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So Aba Pa Group
In this Group: Charity, Mary, Helen, Grace, Diana
Married with five children, four in school and one a trader, Charity is 41 years old. She supports her husband in providing for the household through the sale of used clothing. Used clothing has a very big market in Ghana, as brand new clothes are very expensive for the economically active poor. She has been in this business for the past five years, making her sales through ‘hawking’, which is door-to-door sales. Charity wants to use the loan to buy more bales of used clothing to increase her inventory to meet customer demand, as in the Christmas season parents buy used clothing for their children. She believes this loan will help her to save for her children’s future and also to rent a store to trade.

The leader of a trust bank group called ‘So Aba Pa,’ which means ‘Bear good fruits,’ Charity is the one seated in the group photograph. Most of the members of this group are petty traders, food vendors and farmers. The group members provide social collateral for one another to access the loan, and utilize peer pressure to ensure repayment of 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
  • 38
    View loans »
    Ghana Loans Fundraising
  • $11,982,275
    Funds lent in using Kiva
  • 1.4
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of So Aba Pa Group's $1,975 loan helped a member to purchase more bales of used clothes.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 5, 2009
Nov 10, 2009
Currency Exchange Loss:
Jun 15, 2010