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Som Nyame Yie Group
In this Group: Cecilia, Felicia, Janet, Rita, Hannah, Yaa
Cecilia is 42 years old. She is married and the mother of six children. Currently, all her children are in school. She has five boys and one girl and she is able to cater for them through the support of her husband who is a gold miner.

Cecilia owns and operates a grocery shop and sells items like rice, sugar, vegetable oil, bottled water, body and hair creams, skimmed powdered milk, etc. in the area where she lives. She deems it a big opportunity to expand her business to include other items frequently demanded by customers.

With her 22 years' experience, she wants to use the loan to buy more bags of rice, bags of sugar, cartons of vegetable oil, boxes of body and hair creams, etc. to increase her inventory. She hopes to improve sales to enable her to save more for the children's education.

She is the leader of a trust bank group called ‘Som Nyame Yie’ which literary means ‘serve God well’. 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
  • 26
    View loans »
    Ghana Loans Fundraising
  • $11,565,250
    Funds lent in using Kiva
  • 1.5
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Som Nyame Yie Group's $2,000 loan helped a member to buy more bags of rice, bags of sugar, cartons of vegetable oil, boxes of body and hair creams, etc.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jul 16, 2009
Aug 1, 2009
Currency Exchange Loss:
May 25, 2010