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Pajo Metal Works Group
In this Group: Paul, Ebenezer, Matilda
Paul is the group leader of Pajo Metal Works. He is 47 this year and happily married with five children. His children are 26, 20, 18, 14 and 8 years old, respectively. All five of them are currently attending school. Paul lives with his family in Cape Coast, the regional capital of the Central Region of Ghana.

Paul owns a welding company. He has been in business for the past 20 years. He is the founder of the company and has built the company up from scratch. Today, he has five permanent employees and more than 10 part-time workers. His company manufactures a whole range of products, including housing features and household appliances. His company is even able to remodel scrapped cars.

Paul is beloved by the local community and has earned the endearing nickname "Opoman" for the Opoman canopy that he had invented. Prior to this invention, Ghanaians in his community used natural materials such as bamboo and palm leaves to build makeshift shelters for outdoor events such as funerals and soccer matches. These lacked structural integrity and did not provide adequate shelter in rain; in fact, when the rain came, people would abandon the shelter and run away! An extremely enterprising and creative man, Paul designed a cost-effective canopy comprising a metal framework with a waterproof canvas. This product was immensely well-received by consumers. Even then, he did not remain content with this breakthrough and has continually improved this product based on consumer feedback. He has since furnished the design with fluorescent light and electric fans, allowing these temporary shelters to provide not only safety, but also utility and comfort.

Paul's most recent endeavor is the manufacturing of clean-cook stoves (a.k.a the Elsa Stove) that utilise waste-products, such as palm-kennel shells, as fuel. This stove is the product of a research project by the African, Caribbean and Pacific (ACP) Group of States and sanctioned by the European Union (EU). He is now applying for a micro-loan to purchase raw materials such as metal plates, as well as the equipment needed for precise welding. Paul is very ambitious and excited about this product. He has secured an agreement with local distributors and plans to sell these stoves to consumers in the entire Central Region, and eventually expand the market to the whole country. Your loan will go a long way, not just in helping Paul achieve his ambitions, but also in providing Ghanians with a safer means of cooking that is free of indoor and outdoor pollution and reduces deforestation.

Additional Information

More information about this loan

This loan focuses on financing trained artisans to produce and sell a new clean energy cook stove known as ELSA Stove. This Stove was recently developed by the Cape Coast Technical institute with support from University of Udine Italy under an international program known as BeBi project. The stove uses Biochar pellets produced locally by communities using locally available materials such as sawdust waste and palm oil kernel husks. Besides sale of stoves, the other financing opportunity will target entrepreneurs willing to produce and sell biochar pellets for the ELSA stoves as well as pelletizer machines fabricated locally. By supporting this loan you are helping grow a local industry around green technology.

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
  • $11,732,750
    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 Pajo Metal Works Group's $3,950 loan helped a member to purchase raw materials and machines for manufacturing clean-cook stoves.
50% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Oct 3, 2014
Jul 31, 2014
Currency Exchange Loss: