Hawa Gull Group
She and her family live in the Old Road community, and she sells at the Old Road Joebar Market located in the downtown part of Monrovia. Hawa’s business is the sale of dry goods. She buys at wholesale and sells at retail to customers. Hawa has been running this business for more than 7 years and hopes to own a shop to serve more customers.
Hawa started selling with funds that were given to her by her husband. Her most challenging times are when her goods remain too long and get spoiled. With the help of her husband and the susu group (community savings club) that she joined, she is able to buy quality goods and sell them to her customers to encourage them to continue buying from her.
Hawa needs this loan to purchase more foodstuff, such as peppers, bouillon cubes, salt, okra, etc., to add to her business. She dreams of owning a shop and building a house for her family.
In the photo that accompanies this profile, Hawa is the one holding the sign.
The Local Enterprise Assistance Program (LEAP) is Liberia's largest and oldest continuously operating microfinance institution, with 13 branches across the country. Founded in 1994, the non-profit organization has survived periods of civil war and severe socio-economic hardship. LEAP seeks to help rebuild post-conflict Liberia through its group and individual loans to micro- and small-scale entrepreneurs, and puts emphasis on lending to women.
Note on LEAP:During routine partner monitoring, Kiva learned that LEAP's delinquency data may be understated due to technical problems with their reporting software. Because this report is key to our analysis of the risk of this partner, delinquency or default rates on loans to this partner may be higher than we expect. For further details, see LEAP’s partner page on Kiva.
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.
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Success!! The loan was 100% repaid