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Bernice's Group
In this Group: Merley, Salomey, Henritta, Bernice, Beatrice, Hannah
Bernice's group consists of some married women and one widow. These women are, on average, 48 years old and have children. They all live in extended traditional families in the neighborhood of Teshie, in the greater Accra region.

The members of the group know one another through family, neighborhood and friendship ties. They sell doughnuts, 'gari' (made from cassava tubers, it is similar to potato flour), rubber bowls, sachet water, jeans and cassava dough. They are on their fifth group loan with ID-Ghana.

Bernice is a 39-year-old jeans seller. She is planning to buy two bales of used clothing from wholesalers in Accra. She will resell her merchandise to a retail customer base consisting of both men and women.

She is expecting to make an average monthly profit of GHC 100, which will be used to meet the needs of her family. A part of her profits will also be reinvested in her business.

They need a total of GHC 3,600 to be able to expand 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
  • 34
    View loans »
    Ghana Loans Fundraising
  • $11,960,950
    Funds lent in using Kiva
  • 2.0
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Bernice's Group's $1,825 loan helped a member to buy jeans and sell them to customers.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 9, 2013
May 27, 2013
Currency Exchange Loss:
Dec 17, 2013