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Nyame Nhyira Group
In this Group: Mary, Afia, Charles, Emelia, Peter, Agartha
Mary is 40 years old. She is married and has three children. They are all boys and are in school. Her husband is a trader who works hard to support his wife in talking care of the home. She sells food items such as maize, rice, plantain, cassava etc. She has been in this business for over fifteen years now. She says she sells at the market square during their market days. She wants a loan to increase her working capital so that her dream of buying goods in bulk can be achieved. In this way, she can supply to a large number of customers to increase her market size, hence increasing her profit margin to care for her children.

She is the leader of a trust bank group called ‘Nyame Nhyira’ which literary means God’s Blessing. She is the one sitting in front in the group photograph. Most of the members of this group are petty traders, food vendors and/or farmers. In this group, members guarantee for one another as social collateral to access the loan and peer pressure to repay the loan.

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
  • 35
    View loans »
    Ghana Loans Fundraising
  • $11,958,450
    Funds lent in using Kiva
  • 1.5
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Nyame Nhyira Group's $2,150 loan helped a member to buy foodstuffs for resale.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jul 7, 2009
Jul 20, 2009
Currency Exchange Loss:
May 19, 2010