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Janet's Group
In this Group: Adjeley, Naomi , Janet , Joyce
Janet's Group was inaugurated on September 12, 2011. It is composed of four women who run revenue-generating businesses with the goal of increasing their financial capacity. The women have all been living in the same neighborhood. Their main work involves small-scale commerce (i.e., cosmetics, underwear, second-hand clothing, and fish).

Janet (standing at the far right in the photograph) is the featured borrower of the group. She is 37 years old, married, and the mother of two children (one girl and one boy). Janet has nine years of experience selling cosmetics. She purchases her products from the wholesale market and sells to customers in the community.

She intends to take this loan of GHS 1,500 to expand her business by purchasing large quantities of cosmetics products to resell to customers.

The profits from her business will enable her to help out her husband in covering family-related expenses.

Janet's Group needs a total amount of GHS 4,000 to buy enough goods to resell 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
  • 34
    View loans »
    Ghana Loans Fundraising
  • $11,967,750
    Funds lent in using Kiva
  • 2.2
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Janet's Group's $1,850 loan helped a member by purchasing large quantities cosmetics products to resell to customers.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 3, 2013
Oct 18, 2013
Currency Exchange Loss:
May 17, 2014