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Vine Group
In this Group: James, Esther, Ama, Akua, Matilda, Charllot, Agnes, Emelia , Aba, Mary, Sarah
James, who works as a trader, is 41, married, and the father of three. All his children are in school. He is a very resourceful father in caring for his children. He supports them through the sale of used shoes. Used shoes are a very big market in Ghana as brand new clothes are very expensive for the economically active poor. Moreover, second-hand shoes are seen as having quality and durability compared to new ones found in stores.

Therefore selling of used shoes has created market for many Ghanaians like James. He takes his stock from Greater Accra of Ghana and has been in business for four years now. He wants to use the loan to buy more shoes to increase his inventory. He believes this loan would help him to save more for his children’s education and also to rent a store to trade in.

He is the leader of a trust bank group called ‘Vine’. He is the only man in the group photograph. Most of the members of this group are small traders and food sellers. 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
  • 38
    View loans »
    Ghana Loans Fundraising
  • $11,603,250
    Funds lent in using Kiva
  • 1.4
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Vine Group's $4,375 loan helped a member to buy used shoes in bulk.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Dec 28, 2009
Jan 6, 2010
Currency Exchange Loss:
Sep 2, 2010