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Bo Bra Pa Group
In this Group: Bernice, Elizabeth, Susana, Augustina, Theresa, Akosua, Lydia, Afia, Dora
Bernice is forty-six years old. She is married and has given birth to five children. Bernice is a trader. She trades in cereals – rice.

Bernice is the leader of a trust bank group called “Bo bra pa”, meaning “Live a moral life”. Bernice is seated first on the left. The group members are hard working. Most of them are traders, food vendors and or farmers. They buy their raw materials, wares or goods from Kumasi and sometimes from nearby communities and sell at the local market square. Some of them trek to other towns to sell on their market days as well.

The members have been in business for a number of years and have amassed a great deal of experiences in their businesses. However, their dream of expanding their businesses has not yet been realized. They are therefore requesting the loan to procure more goods to expand their businesses. The members of the group guarantee for one another as social collateral to access the loan. It is their desire to give their children a good education.

Additional Information

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Ghana

  • $3,500
    Average annual income
  • 39
    View loans »
    Ghana Loans Fundraising
  • $11,582,250
    Funds lent in using Kiva
  • 1.5
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Bo Bra Pa Group's $3,150 loan helped a member to buy more rice to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 7, 2009
Jul 15, 2009
Currency Exchange Loss:
Mar 4, 2010