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Universal Group
In this Group: Gladys, Robert, Faustina, Comfort
The group Universal is composed of four persons, who reside in the same town. They are into cosmetics, provisions, soft drinks, fresh fish and plastics items.
The group’s representative, named Gladys who is 46, married with children who go to school. She lives together with her children and husband. The couple jointly cover the household expenses.

For nearly five years, Gladys has been selling cosmetics out of her house. She gets her supplies at a market in Ghana.

Seeking to satisfy her customers and grow her revenues, Gladys and the other members of the group universal are requesting a fifth loan from ID-Ghana. The previous loans were indeed paid back.

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
  • 33
    View loans »
    Ghana Loans Fundraising
  • $11,972,825
    Funds lent in using Kiva
  • 3.5
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Universal Group's $1,075 loan helped a member to buy more cosmetics and sell to customers.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Jul 10, 2014
Jul 26, 2014
Currency Exchange Loss:
Mar 17, 2015