In God Group
The group representative, Rebecca (the woman standing on the left in the photo), is 34 years old. Rebecca received an education up to the primary school level. Rebecca is married to a man named Christian whom she lives with. The couple has one dependent child. Together, the couple meet the costs for their household expenses.
In order to meet these expenses, Rebecca sells various skirts, tops and straight dresses through hawking. She has done this for the last six years. Rebecca gets her supplies from a market in Ghana. In order to further strengthen their buying power and better satisfy client demand, Rebecca and the other members of the In God Group are requesting their third loan from ID-Ghana. Their previous loans were repaid in full.
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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