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Future Group
In this Group: Happy , Jambia, Alley, Monica, Diana
Future group is made up of five women who are aged between 33 and 53 years. They sell items like provisions, maize, fish and eggs and have been meeting together in the same neighborhood for two years.

Happy is 54 years old. She is a provisions and maize (corn) seller who is single but has three daughters, all in school. They live together in a family house. She operates her business at her residence in a wooden structure. She sells from 7:30 am to 9:00 pm and business is good in its current location. This is her 5th loan cycle with ID-Ghana and she is requesting 1,200 Ghana Cedi to buy more maize, potatoes, Milo, rice, sugar, biscuits, toffees and milk. She is standing at the back with a white sleeveless top in the photograph.

She was given a previous loan of 1,000 Ghana Cedi in her 4th loan cycle and she finished paying it back on the 25th of September 2012. After ten years working experience, she believes ID-Ghana loans are good, flexible and reliable for traders like her and her group members.

She is therefore focusing on her children education for now and taking on a building project on her own with the support of Kiva.

The group needs 3,950 Ghana Cedi to improve the standards of 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
  • 38
    View loans »
    Ghana Loans Fundraising
  • $11,732,750
    Funds lent in using Kiva
  • 1.9
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Future Group's $2,100 loan helped a member to buy more maize, potatoes, Milo, rice, sugar, biscuits, toffees and milk.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 5, 2012
Oct 15, 2012
Currency Exchange Loss:
May 17, 2013