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Adom Wowim Group
In this Group: Lawrence, Victoria, Rachel, Atogobono, Felicia, Hannah, Rose, Florence, Margaret, Zariatu, Elizabeth
Lawrence T. is 25. He is married and has two beautiful girls who are in school. He works hard to provide for his children. He is an auto mechanic in his community. He started providing maintenance for his clients five years ago and acquired his skills from his competent master in Kumasi. Because of his rich experience he has attracted lots of customers who come to his garage to service their cars. His only challenge is that he pre-finances most of the work before his customers pay him. He said this has helped him maintain lots of customers. With the loan he wants to buy engine parts like jack plugs, gaskets, etc.

He is the leader of a trust bank group called ‘Adom wowim’. He is the only male and is sitting in front in the group photograph. Most of the members of this group are petty traders, food vendors and/or farmers. In this group, members guarantee for one another as social collateral to access the loan and for peer pressure to repay 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
  • 20
    View loans »
    Ghana Loans Fundraising
  • $12,634,025
    Funds lent in using Kiva
  • 1.5
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Adom Wowim Group's $3,750 loan helped a member to buy auto parts.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jul 7, 2009
Jul 20, 2009
Currency Exchange Loss:
May 18, 2010