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Joe's Group
In this Group: Joseph, Victoria, Rosemary
Joe's Group is made up of three traders who are in the sales of cement, bed sheets, wigs, cream, and yams. The members include Joseph, Victoria, and Rosemary.

Joseph is 43 years old. He is an energetic and cheerful person. He is married and has three children. His wife Rosemary sells yams. For years, he has been involved in the sale and supply of cement and bed sheet to the people of Teshie. The building and renovation of houses in Teshie is very high which makes this business very lucrative to Joseph. He wants to develop his business and thus increase revenue. He plans to use the income to invest in his children's education.

He is asking for a loan to buy cements and bed sheets to sell to customers.

They need a total amount of 1,100 GHS to be able to buy enough goods and sell to customers.

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
  • $11,982,275
    Funds lent in using Kiva
  • 2.0
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Joe's Group's $575 loan helped a member to buy cement and bed sheets to sell to customers.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Apr 1, 2013
May 3, 2013
Currency Exchange Loss:
Sep 17, 2013