Godwin is 33 years old. He is married with two kids who are currently in school. Godwin is a dealer in electrical and electronic parts like speakers, transistors, transformers, screw drivers, wires, television cords, antennas, etc. He also provides repairs and servicing works for his customers. He buys his supplies from importers at wholesale prices and sells to his customers at retail prices. He requests the loan to enable him procure increased stock of electrical and electronic parts. He hopes to increase his savings to expand his shop to include refrigerators and parts. He belongs to the community group called Evergreen Trust Group. In this group, members agree to guarantee for each other as a social collateral to repay the loan.