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Son Of Man Group
In this Group: Francis, Monica, Sophia, Grace , Prince, Yaa, Mercy, Yvonne, Ophelia, Gladys
Francis is a 43-year-old trader. He is married with eight children. Seven of them are schooling and his last is still nursing. For two years, he has sold used clothes in the local market in his community where he lives. He also sells by hawking during the market days in his surrounding communities. His major business challenge over the years has been obtaining funds to scale up the business. He has a lot of marketing experience and is very confident that the loan would enable him to achieve remarkable business progress. He wants to use the loan to buy more bales of used clothes to serve his customers. He hopes to save enough money to support his children's entire schooling.

He is the leader of a trust bank group called ‘Son of Man’. He is the one in the middle 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 there is 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
  • 33
    View loans »
    Ghana Loans Fundraising
  • $11,960,950
    Funds lent in using Kiva
  • 1.5
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Son Of Man Group's $3,475 loan helped a member to buy more bales of used clothes.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jul 16, 2009
Aug 1, 2009
Currency Exchange Loss:
May 30, 2010