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Nyame Wo Yenho Do(Ankyernyin) Group
In this Group: Edith , Margaret , Joyce , Eunice , Veronica , Agnes
Joyce (with her hand raised) is the leader of a six member group at Ankyernyin, Takoradi, in the Western Region of Ghana. She is married and has five children. Her husband is an electrician. She has received senior high level of education. Joyce has been selling provisions such as milo, milk and sugar for 15 years. She uses her income to assist her partner in the payment of utility bills and other household expenses. Joyce will use the loan to purchase stock (provisions) for resale. With the new profits from her expanded business, she plans to reinvest back into her business for further growth.

Additional Information

Important Information About CRAN

Please note that Kiva considers loans to this Field Partner, CRAN, to be particularly HIGH RISK. This organization has had very serious delinquency problems brought about by problems with its credit methodology, local environmental shocks including a depletion of local fisheries in its core area of operation (Cape Coast and the Central Province), and insufficient follow up with late clients. Lenders to this business should be aware that there is an increased risk of not getting repaid on this loan due to the challenges facing the Field Partner.

CRAN's creditors - including Kiva - have entered into a new Restructuring Agreement (For more information, please see CRAN's Field Partner profile: ). Kiva will extend its ongoing policy of allowing CRAN to continue to raise funds on the Kiva website. New funds raised will be used to make repayments on older CRAN loans via Kiva’s standard net billing process.

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

  • $2,643
    Average annual income
  • 17
    View loans »
    Ghana Loans Fundraising
  • $10,998,925
    Funds lent in using Kiva
  • 1.5
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Nyame Wo Yenho Do(Ankyernyin) Group's $1,600 loan helped a member to purchase stock (provisions) for resale.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 29, 2011
Jul 22, 2011
Currency Exchange Loss:
Nov 23, 2011