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Happy Group
In this Group: Deborah, Doris, Rebecca, Jennifer, Grace, Francisca, Mavis, Elizabeth, Faustina, Elizabeth
Deborah O., 25 years old, is married and the mother of a child, who attends school. Deborah is an achiever and works tirelessly to help her husband provide food for the family. Because of her hard work, she was elected the group leader. The group was given the name ‘Happy’ trust bank. She is the one sitting in front in the group photograph.

Deborah prepares and sell cakes to her customers. She mostly vends her wares at the community market. Most of her fellow group members are also petty traders in the market. She is requesting the loan to buy a bulk supply of goods in order to enhance her profit. She dreams of providing better care for her child from the increased business proceeds. In her group, members guarantee for one another as social collateral to access the loan and support each other in repaying the loan.

Additional Information

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
  • 13
    View loans »
    Ghana Loans Fundraising
  • $12,276,225
    Funds lent in using Kiva
  • 1.5
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Happy Group's $3,475 loan helped a member to buy stock in bulk for her cake vending business.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jul 7, 2009
Jul 20, 2009
Currency Exchange Loss:
May 19, 2010