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Miracle Group
In this Group: Naomi, Naomi, Doris, Gladys, Ethel, Victoria, Esther, Felicia, Getty, Lawrence, Lucy
This group is made up of 11 female members, ranging in age from 24 to 56 years old. The group has been working together for three years. Seven of the members are married with children, two are married without children, and one member is single with one child. The group sells fish, eggs, electrical appliances, provisions, clothing, yams, and plastic chairs. These items are displaced in the photograph. They all live in the same neighborhood so they know each other very well. This is their first loan cycle with Kiva partner ID-Ghana. They need a total amount of 3,250 GHS to improve their business.

Naomi is a 40-year-old married woman with 4 children and lives with her family in Teshie. She works as part of the group and sells yams and provisions. She has been doing this job for two years with a monthly profit of 90 GHS. She uses part of her earnings for family expenses and the remaining part for reinvestment. Naomi will use her portion of the loan to buy more yams and provisions from the market to supply the customers in Teshie.

Additional Information

About ID Ghana

ID Ghana is a microfinance NGO that provides financial and social services to underserved urban communities in Accra. ID Ghana’s socially-oriented business model provides clients with a number of social services, including financial literacy training, group discussions led by peer educators on health and nutrition education, child schooling, basic medical services, and counseling and legal services for women victims of violence.

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
  • 35
    View loans »
    Ghana Loans Fundraising
  • $11,982,275
    Funds lent in using Kiva
  • 1.9
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Miracle Group's $1,700 loan helped a member to buy more provisions and yams to sell to customers.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Aug 3, 2012
Aug 24, 2012
Currency Exchange Loss:
Feb 15, 2013