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All Shall Pass Group
In this Group: Gladys , Patience, Comfort, Grace, Regina, Grace, Philomena, Esther, Salomey
Gladys, seated in front in this photo, is 34 years old, married and the mother of four kids who are currently in school. She operates a clothing shop and has sold jeans, blouses and skirts, women's slippers, headscarves and all kinds of clothing for men and women for the past four years. She has funding constraints in running her business. She is seeking a loan to inject more working capital into the business to scale up the progress of her shop. It is her belief that the loan will grant her the resources to improve both the quality and the quantity of her inventory. With the loan, she plans to purchase jeans, ladies wear, headscarves and slippers.

Gladys is the leader of a trust bank group called ‘All shall pass.’ Most of the members of this group are small traders, food vendors and/or farmers. In this group, members guarantee for one another as social collateral to access the loan and provide 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
  • 25
    View loans »
    Ghana Loans Fundraising
  • $11,557,625
    Funds lent in using Kiva
  • 1.5
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of All Shall Pass Group's $3,600 loan helped a member to purchase jeans, ladies wear and slippers.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jul 16, 2009
Aug 1, 2009
Currency Exchange Loss:
May 23, 2010