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Twer Nyame Group
In this Group: Comfort, Kwame, Cecilia, Kwesi
Comfort is a member of the Twer Nyame group. She is 66 years old and has three children. Her eldest child is 25 years old and is a school teacher, while her middle child is 24 years old and is currently in the Ghanian National Service. Her youngest child is only 3 years old. Comfort lives with her family in the Asebu Abura Amankesee district in the Central Region of Ghana.

Comfort has been a farmer for the past decade. She grows oranges, limes, sugarcane and coconuts on a nine-acre farm and now has a contractual agreement with a local company who will buy her crops wholesale. Comfort also bakes and sells bread to supplement the income she gets from her agricultural business.

During the wet season, the rain makes it difficult for Comfort to work on the farm, and is especially damaging to the sugarcane and oranges. A recent epidemic has also destroyed her coconut crops. In addition to the harsh natural conditions, Comfort also faces a challenge in meeting the high cost of transporting her oranges because they are grown on a piece of land that is further away.

In spite of all these difficulties, Comfort is determined to expand her business. A loan will allow her to purchase seeds and cover the transport and labor costs for weeding, pruning and harvesting her crops. Comfort thanks all her micro-lenders for their generous financial support.

Additional Information

More information about this loan

This loan will allow ASA to reach a group of farmers mainly specializing in lime and orange growing in Ghana. Due to lack of funding for harvesting, farm clearing and transportation, farmers have in the past incurred huge losses with mature fruits going to waste. This loan will finance existing farmers with mature crops of lime and orange trees to pay for labor and transportation to the buyers/processors. ASA will collaborate with the farmers' association and create agreements with industrial juice processors to buy directly from the farmers and guarantee income for loan repayment. Repayments will be deducted from farmer harvest revenue and paid to ASA initiative directly. By supporting this loan you are providing opportunity to farmers in Ghana.

About ASA Initiative:

ASA Initiative is a Micro Finance Institution based in Cape Coast, Ghana, and operating in the Central Region of Ghana.

They target loan products to several sectors, with the majority of loans classified as general small business loans. They have also added a mixture of higher-impact and higher-risk loans that could be expanded through Kiva funding, including green loans and agriculture loans.

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
  • 38
    View loans »
    Ghana Loans Fundraising
  • $11,598,000
    Funds lent in using Kiva
  • 3.4
    Ghana Cedis (GHS) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A portion of Twer Nyame Group's $1,900 loan helped a member to buy seeds and hire laborers for weeding, pruning, harvesting and transporting her crops.
3% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Oct 2, 2014
Jul 18, 2014
Currency Exchange Loss: