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St. Paul Group
In this Group: Janet, Lucy, Vincentia, Rebecca, Cynthia, Sarah, Wiametor, Agnes
Janet is forty-nine years old. She is married and has given birth to six children. In the photo, Janet is on the far right.

Janet owns and manages a grocery store. She is the leader of a trust bank group called "St Paul." The members of this group are mostly traders and food vendors. They work to support their spouses to provide for their families. They buy their raw materials, wares, and goods from other towns and, sometimes, from nearby communities and sell them in the local market square. The members have been in business for a long time and have acquired much experience in their businesses.

It is in light of this that they are requesting a loan to buy more goods to expand their businesses. The members of the group guarantee for one another as social collateral to access the loan. They want to give their children the best of education they can afford.

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
  • 41
    View loans »
    Ghana Loans Fundraising
  • $11,736,650
    Funds lent in using Kiva
  • 1.4
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of St. Paul Group's $2,675 loan helped a member to purchase groceries in bulk.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Nov 16, 2009
Dec 1, 2009
Currency Exchange Loss:
Sep 2, 2010