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 $1,358,225 $586,255,450
Amount of raised Inactive loans $0 $599,025
Number of raised Inactive loans 0 533
Amount of Paying Back Loans $468,675 $119,653,275
Number of Paying Back Loans 379 126,432
Amount of Ended Loans $889,550 $466,003,150
Number of Ended Loans 734 592,740
Delinquency Rate 0.86% 3.40%
Amount in Arrears $1,814 $2,667,913
Outstanding Portfolio $210,380 $78,383,347
Number of loanDelinquent 26 10,426
Default Rate 0.08% 1.15%
Amount of Ended Loans Defaulted $743 $5,337,667
Amount of Ended Loans $889,550 $466,003,150
Number of Ended Loans Defaulted 17 16,806
Currency Exchange Loss Rate 3.35% 0.08%
Amount of Currency Exchange Loss $45,553 $480,684
Refund Rate 0.00% 0.77%
Amount of Refunded Loans $0 $4,495,225
Number of Refunded Loans 0 5,039

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 90.38% 74.17%
Average Loan Size $355 $418
Average Individual Loan Size $555 $656
Average Group Loan Size $1,422 $1,827
Average number of borrowers per group 4.2 8
Average GDP per capita (PPP) in local country $2,643 $3,432
Average Loan Size / GDP per capita (PPP) 13.42% 12.19%
Average Time to Fund a Loan 7.21 days 5.58 days
Average Dollars Raised Per Day Per Loan $49.20 $75.03
  Average Loan Term 5.85 months 10.3 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 1 292,639
  Journaling Rate 0.12% 42.38%
  Average Number of Comments Per Journal 0.00 0.08
  Average Number of Recommendations Per Journal 0.00 1.89

Borrowing Cost Comparison (based on 2013 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 59% PY 53.00% PY 33.64% PY
  Profitability (return on assets) 9.9% 0.3% -1.40%
  Average Loan Size (% of per capita income) 11.00% 13.00% 41.35%

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