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Star Group
In this Group: Joyce, Grace, Naomi
Star group is formed by 3 women who have been together for 4 years. They sell cooking utensils, cutlery sets, vegetables and tilapia fish. They started taking loans from ID-Ghana in 2010 and have been consistent and loyal. They meet every Wednesday to discuss business issues.

Joyce is a 43-year-old vegetable seller who is married to a 45-year-old butcher. She has 5 children who are schooling. She helps her husband financially to cater for their children. She took 200 Ghana cedis as her 1st loan and 700 Ghana cedis on her 3rd loan. She repaid all loans without default and now she needs 1000 Ghana cedis to buy more onions, tomatoes, cabbages, carrots and garden eggs (small eggplants). She sometimes helps her husband to sell in the market. Her monthly profit is 120 Ghana cedis which she uses part for reinvestment and part to help her husband.

The group members need a total amount of 2100 Ghana cedis to be able to expand their businesses.

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
  • 37
    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 Star Group's $1,100 loan helped a member to buy more onions, tomatoes, cabbages, carrots and garden eggs (small eggplants) to sell to her customers.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 17, 2012
Aug 27, 2012
Currency Exchange Loss:
Mar 15, 2013