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Joe Group
In this Group: Jonathan, Gladys
This group is made up of two partners Jonathan and Gladys. They have been together from 2010.

Gladys is a 42 year old trader, married to Israel, 53 years old, and they have children. She has been with ID Ghana for the past two years and doing very good with both her business and family. She has been selling cosmetics and ladies bags for seven years. She hawks from Mondays through to Saturdays, a routine she has gone through with her mother but with her savings thanks to ID Ghana, she was able to build a store where she now sells.

Thanks to ID Ghana’s training on savings, she has made it this far. She has been able to, thanks to this business and with the help of her husband, to educate their children up to the high school level.

Jonathan deals in electrical parts.

This is Gladys's 5th loan and she needs GHS 950 to buy more cosmetics to sell to her customers. They need a total amount of GHS 1,250 to buy more goods to sell to their customers in the community.

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
  • $11,967,750
    Funds lent in using Kiva
  • 1.9
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Joe Group's $675 loan helped a member to buy more goods to sell to customers.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Nov 17, 2012
Dec 17, 2012
Currency Exchange Loss:
Aug 17, 2013