At her homestead are living one brother, one sister and two grandchildren. The brother and sister are also working on the farm. Ruth is part of a study circle group of the Cotton Association of Zambia as well as member of the Magoye Dairy Cooperative in Mazabuka. She grows 2 hectares of cotton. In the study circle group she learned how to improve the production. She uses the manure of the cows on the land. The challenge is the price of cotton, which was very low in the 2012-2013 season. Her study circle group has a savings and loan scheme. Within the group they closely monitor where loans are used for. It is very important to screen at the members homestead on the agricultural production, then the group is more sure that loans are paid back. The group started in June 2012 with 35 members. Now the group has 15 members, because some members had too little income from their farm for savings. The Cotton Association of Zambia has 38 credit and savings associations, their target is to have 60 associations. It is envisaged that farmers in the Mumbwe area would have mobilised at least US$ 98,000 through their own resources by the end of December 2013 under this scheme. The Cotton Assocation will start there their own ginnery.