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Joyce's Group
In this Group: Irene , Joyce
This is Joyce’s group, made up of two hardworking, responsible women; and they are part of a main group called Peace.

Joyce, 38, is married to a photographer and they have three children who are at the ages of 16, 12, and 5, and are all schooling. Joyce decided to go into selling of clothing materials because people of Teshie prefer to sew their own dresses rather than buying second-hand clothing which makes her trade very profitable.

She desires to own a very big clothing materials store as this will earn her more profits. The loan sought will be used to buy clothing materials, and in this way, offer her customers better service. She needs GHC 1,300 to be able to expand her business.

The two women need GHS 2,500 to be able buy more goods and serve customers better.

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
  • 41
    View loans »
    Ghana Loans Fundraising
  • $11,736,650
    Funds lent in using Kiva
  • 2.0
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Joyce's Group's $1,250 loan helped a member to buy clothing materials.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
May 30, 2013
Jun 14, 2013
Currency Exchange Loss:
Jan 17, 2014