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Patience's Group
In this Group: Patience, Patience, Joyce, Ashorkor
Joyce is married, 31 years old, who finished elementary school, She has two children who are students, She sells lining, materials and wax-print, She started this business offering the products door to door and she has eight years of experience, She has the support of her husband who is a carpentry worker.

She represents a group and requests a loan that will allow her to buy more products, so that she can offer more variety and satisfy the needs of her customers, In the future she wishes to see a successful business with more working capital to do wholesale selling.

The rest of the group members sell products like fish, plastic products and cooking oil. They are requesting for a total loan amount of GHS 3,700 to improve 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
  • 26
    View loans »
    Ghana Loans Fundraising
  • $11,565,250
    Funds lent in using Kiva
  • 2.0
    Ghana Cedis (GHS) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A portion of Patience's Group's $1,850 loan helped a member to buy and sell lining, materials and wax-print to customers.
98% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 4, 2013
Jul 12, 2013
Currency Exchange Loss:
Mar 17, 2014