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Emelia's Group
In this Group: Emelia , Esther
This group is made up of two people who live in the same neighborhood. The group representative is Emelia (on the left in the photo), who is 56 years old. Emelia did not go to school. She is a widow, with two children, both in school.

Emelia is financially responsible for her children, who live with her. Emelia pays for all the expenses of their household.

This is why she has been selling smoked fish from her home for 10 years now. She has asked for a loan to buy two cartons of fish at a cold store in Ghana.

In order to strengthen her business, Emelia joined the other member of her group in requesting this seventh loan of GHS 1,600 from the field partner ID-Ghana.

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
  • 39
    View loans »
    Ghana Loans Fundraising
  • $11,582,250
    Funds lent in using Kiva
  • 2.2
    Ghana Cedis (GHS) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A portion of Emelia's Group's $750 loan helped a member to buy two cartons of fish to sell.
94% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 10, 2013
Listed
Oct 24, 2013
Currency Exchange Loss:
Possible
Ended:
Jun 17, 2014