Kiva conducts regular, ongoing monitoring of all Field Partners, but only posts status updates here in response to relevant, major changes at the partner.

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 $5,840,900 $1,342,243,800
Amount of raised Inactive loans $0 $1,129,300
Number of raised Inactive loans 0 1,461
Amount of Paying Back Loans $657,750 $147,423,550
Number of Paying Back Loans 680 194,726
Amount of Ended Loans $5,183,150 $1,193,690,950
Number of Ended Loans 4,780 1,537,959
Delinquency Rate 2.98% 10.51%
Amount in Arrears $9,401 $9,735,701
Outstanding Portfolio $220,294 $92,639,883
Number of Loans Delinquent 166 57,667
Default Rate 0.14% 1.76%
Amount of Ended Loans Defaulted $7,052 $21,037,796
Number of Ended Loans Defaulted 148 51,424
Currency Exchange Loss Rate 1.27% 0.39%
Amount of Currency Exchange Loss $74,216 $5,195,382
Refund Rate 0.00% 0.59%
Amount of Refunded Loans $0 $7,939,025
Number of Refunded Loans 0 7,847

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 91.29% 76.42%
Average Loan Size $290 $394
Average Individual Loan Size $420 $609
Average Group Loan Size $1,270 $1,762
Average number of borrowers per group 4.5 7.7
Average GDP per capita (PPP) in local country $3,500 $5,773
Average Loan Size / GDP per capita (PPP) 8.30% 6.82%
Average Time to Fund a Loan 6.44 days 7.13 days
Average Dollars Raised Per Day Per Loan $45.09 $55.26
  Average Loan Term 6.72 months 11.35 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 143 796,440
  Journaling Rate 2.86% 43.15%
  Average Number of Comments Per Journal 0.00 0.03
  Average Number of Recommendations Per Journal 0.00 0.80

Borrowing Cost Comparison (based on 2016 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 48% PY 53.00% PY 25.24% PY
  Profitability (return on assets) 11.6% 0.3% -1.43%
  Average Loan Size (% of per capita income) 11.00% 13.00% 12.96%

Country Fast Facts

Field Partner Staff

DANIEL AGBOGAH
Bright Antwi
Cederic Appah
Ewuraesi Crankson
John Kofi Djagbo
Stephen Dugbazah
Mark Kissi
Eric Korankye
Benjamin Sackey
Abu Sidiq
Michael Tweneboah