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With God Group
In this Group: Rose, Emelia, Beatrice, Helina
This group consists of four members who work by selling slippers, rice, groceries, yams and macaroni. They have been group mates, repaying loans and maintaining savings for four years. The group members are residents of the Teshie-Accra, Ghana. The group's sixth loan would be used to expand their businesses. They are involved in a variety of activities and together they have a solid foundation to guarantee the loan. The members are clear on collective loan guarantees, how to track their income, and savings. They are empowered, hardworking, and determined women.They will hold each other responsible for repayment of the loan.

Beatrice is the featured borrower. She is 72 years old, a widow, and has one dependent child. All her other children are grown up. Beatrice sells groceries and this loan will enable her to invest in her business. Her 25-year work experience has strengthened her to strategically keep her in business. She is standing on the far left in the photograph. She has received training on problems such as drugs and crime, and also provision of health subsidies.

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
  • 3.1
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of With God Group's $1,200 loan helped a member to buy groceries and sell to customers.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
May 22, 2014
Jun 17, 2014
Currency Exchange Loss:
Jan 17, 2015