Janet K. is forty one years old. She is married and has four children who are currently in school. She is a very hardworking woman, who is able to combine numerous household demands with pressure from her business. She sells smoked fish in one of the busy local markets. Many homes enjoy her fish because it has a good taste and is moderately priced. She wants to use the loan to buy an increased stock of assorted fish to make increased sales and income to support her children’s education and business. She belongs to the community group called Shepherd Trust Group. Members guarantee one another as social collateral to access loans.