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Yom Group
In this Group: Agnes, Ajo
This group is comprised of two members: Agnes and Ajo. They sell charcoal and gari, respectively. They have been taking out loans together since 2007.

Agnes, age 45, sells charcoal to earn an income. She has been with ID Ghana for the past six years and her business is doing very well. She has been engaged in this business for 15 years now and works Mondays through Saturdays, a routine she has learned from her mother. She is grateful for ID Ghana’s training on savings, and feels that she would not have made it this far without it.

This is her eleventh loan. She is requesting GHS 1,500 in order to buy bags of charcoal to offer for sale to her customers.

Together, Agnes and Ajo are requesting a total amount of GHS 2,200, which they will use 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
  • 28
    View loans »
    Ghana Loans Fundraising
  • $11,565,250
    Funds lent in using Kiva
  • 1.9
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Yom Group's $1,175 loan helped a member to buy bags of charcoal to offer for sale.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Jan 31, 2013
Feb 19, 2013
Currency Exchange Loss:
Jul 17, 2013