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Crusade Group
In this Group: Yaa, Beatrice
These ladies are part of Crusade Group and they are beginning its sixth loan cycle with ID-Ghana. It is made up of two members who are into the sale of charcoal, rice and cooking oil. The loan that they will take out will benefit the small businesswomen, including Yaa. Yaa says that she joined ID-Ghana three years ago at the invitation of a friend who is a client of the institution. Right now, she has a business selling charcoal, which she has done for the past 18 years.

The loan Yaa will take out now is to increase capital by buying more bags of charcoal at wholesale and sell to customers at retail. This work allows her to generate resources for her family, since she is married and has one dependable child.

When asked what she likes about ID-Ghana, Yaa says she likes the training, the savings and the health programs offered by the institution.

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
  • 22
    View loans »
    Ghana Loans Fundraising
  • $11,440,650
    Funds lent in using Kiva
  • 3.3
    Ghana Cedis (GHS) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A portion of Crusade Group's $1,000 loan helped a member to buy more bags of charcoal at wholesale and sell to customers at retail.
99% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Jul 4, 2014
Jul 18, 2014
Currency Exchange Loss:
May 17, 2015