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Sika Man Trust Bank Group
In this Group: Akua, Hagar, Susana, Matilda, Yaa, Millicent, Cecilia, Adwoa, Emmanuel, Grace, Sam
Emmanuel is a 44-year-old, married, and the father of two children. His children are six and eight years old. He works hard to provide for his family. His wife is a seamstress and their common dream is to be able to support all their children through quality education to enrich their future lives.

Emmanuel has been operating a pharmaceutical shop for ten years now to help sustain his family. He sells various medicines ranging from antibiotics to pain killers, blood tonic, etc. to people in his community, usually as first aid to treat common ailments such headache, malaria, fever, etc. He plans to invest the loan to purchase assorted pharmaceutical drugs and medicines to meet demand. He also dreams of opening a branch of his shop in another community to serve the people there.

Emmanuel is currently the leader of a trust bank group called “Sika Man” (translated as "Money Man", made up of twelve members. The other members are engaged in trades such as bread-baking, sale of 'kenkey' (a traditional dish made of maize dough), foodstuffs, soap manufacturing, etc. The group believes in respect for one another, commitment, hard work and punctuality.

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
  • 44
    View loans »
    Ghana Loans Fundraising
  • $11,732,750
    Funds lent in using Kiva
  • 1.4
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Sika Man Trust Bank Group's $3,150 loan helped a member to purchase pharmaceutical drugs and medicines in bulk.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 16, 2010
Jun 30, 2010
Currency Exchange Loss:
Dec 18, 2010