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Joana M. is forty two years old. She has four children and is separated from her husband. The children are in school.

Joana enjoys selling and she is motivated to work hard because she dreams of a better future for her children. She owns and operates a grocery shop and sells items like rice, sugar, vegetable oil, bottled water, body and hair creams, and skimmed powdered milk. However, she is constrained from meaningful progress by a lack of capital.

She is requesting a loan to buy more rice, sugar, vegetable oil, and body and hair creams to increase her profits. She believes the loan will enable her to realize her dream. She is a member of the community group called Halleluya Trust Group. In this group, members guarantee and assist one another to repay their loans.

Joana appears in the photo with one of her children.

About Ghana

  • $3,500
    Average annual income
  • 26
    View loans »
    Ghana Loans Fundraising
  • $11,565,250
    Funds lent in using Kiva
  • 1.2
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Joana to buy more groceries to sell.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Aug 29, 2008
Aug 15, 2008
Currency Exchange Loss:
May 15, 2009