Lydia sells fruits drinks (standing on the left with a sample in her hand) in order to be able to help her family with her work. She has been doing this job for 11 years and still counting. She is 37 years old, married and has one child. She is doing work because she wanted to be self-sufficient before she married. Lydia is requesting this loan in order to purchase more fruit drinks to sell to customers, because she has lots of orders and customers she wants to satisfy. She and Linda, who is a wigs and hair products seller, need GHS 2,200 in total to improve their businesses. They are grateful for the opportunity they are getting.
About ID GhanaID 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.
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