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Joana's Group
In this Group: Joana, Florence
Joana's group is a group with two members who live together. They sell maize, foodstuffs and vegetables.

The leader of the group, Joana, is 41 years old. She is married to Patrick and has two children, both of whom are still dependent and are going to school.

Joana herself attended school to the secondary level, and it is nearly eight years since she started her business selling maize from home. She does this in order to provide for her own needs and those of her children. She buys from suppliers in a market in Ghana.

In order to improve customer satisfaction, Joana is requesting 1,400 GHS (Ghana cedis) along with the other member of the Joana's group. This loan will help her to meet customer demand and make a bigger profit.

They need a total amount of 1,900 GHS to be able to meet customers' needs.

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
  • 39
    View loans »
    Ghana Loans Fundraising
  • $11,582,250
    Funds lent in using Kiva
  • 1.9
    Ghana Cedis (GHS) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A portion of Joana's Group's $1,000 loan helped a member to buy more maize to sell to customers.
99% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 21, 2013
Listed
Apr 20, 2013
Currency Exchange Loss:
Possible
Ended:
Nov 17, 2013