Last updated May 11, 2012 

Partner Description:


ID Ghana is a microfinance NGO that provides financial and social services to underserved urban communities in Ghana. With five branches throughout Accra, the organization has a loan portfolio of over USD$1 million and about 9,300 active clients, including about 6,200 borrowers.

ID Ghana offers two main types of loan products: individual loans for micro-entrepreneurs, and group loans that allow clients to borrow individually with no group liability. The latter is designed to extend capital to very poor individuals who lack collateral. In addition to loans, the organization offers clients voluntary health insurance and remunerated savings accounts, as well as services that facilitate savings. These options are tailored to the poor and very poor clients.

ID Ghana’s socially-oriented business model also provides clients with a number of non-financial services. These include 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. 

Committed to transparency and client protection principles, ID Ghana has demonstrated its ability to operate self-sufficiently without increasing interest rates. Its partnership with Kiva will help strengthen its social mission by adding a new source of flexible, risk-tolerant capital.

You can learn more about ID Ghana and its programs on its Facebook page. Check in regularly for updates!


Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva May 11, 2012 Oct 12, 2005
Total Loans $1,285,900 $575,063,750
Amount of raised Inactive loans $0 $304,725
Number of raised Inactive loans 0 278
Amount of Paying Back Loans $460,450 $119,196,175
Number of Paying Back Loans 366 125,162
Amount of Ended Loans $825,450 $455,562,850
Number of Ended Loans 680 580,593
Delinquency Rate 0.93% 3.45%
Amount in Arrears $1,943 $2,701,152
Outstanding Portfolio $208,061 $78,368,672
Number of loanDelinquent 27 11,379
Default Rate 0.05% 1.08%
Amount of Ended Loans Defaulted $396 $4,937,756
Amount of Ended Loans $825,450 $455,562,850
Number of Ended Loans Defaulted 11 15,266
Currency Exchange Loss Rate 2.55% 0.07%
Amount of Currency Exchange Loss $32,767 $406,266
Refund Rate 0.00% 0.78%
Amount of Refunded Loans $0 $4,479,350
Number of Refunded Loans 0 5,008

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 90.61% 74.23%
Average Loan Size $358 $419
Average Individual Loan Size $554 $657
Average Group Loan Size $1,438 $1,824
Average number of borrowers per group 4.2 8
Average GDP per capita (PPP) in local country $2,643 $3,440
Average Loan Size / GDP per capita (PPP) 13.56% 12.17%
Average Time to Fund a Loan 6.75 days 5.51 days
Average Dollars Raised Per Day Per Loan $53.08 $75.90
  Average Loan Term 5.8 months 10.24 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 1 286,267
  Journaling Rate 0.13% 42.42%
  Average Number of Comments Per Journal 0.00 0.08
  Average Number of Recommendations Per Journal 0.00 1.94

Borrowing Cost Comparison (based on 2013 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Portfolio Yield 59.00% 53.00% 33.54%
  Profitability (return on assets) 9.9% 0.3% -1.15%
  Average Loan Size (% of per capita income) 11.00% 13.00% 41.59%

Country Fast Facts

Field Partner Staff

Bright Antwi
John Kofi Djagbo
Stephen Dugbazah
Mark Kissi
Eric Korankye
Godknows Kporha
Benjamin Sackey
Abu Sidiq
Michael Tweneboah