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Liberty Group
In this Group: Regina, Charllote, Patrick, Anthony , Isaac
Regina is 38 years old. She is married and the mother of three children. She has two girls and one boy and all are currently in school. For five years, she has been a baker and uses flour for her production. In spite of the challenges she faces, she bakes bread, cake, meat pie, plantain chips, etc., and sells them to her customers. She supplies them by herself in the market center to her customers and people also take bulk delivery from her. Her only problem now has to do with adequate funds to buy raw materials as prices are going up. She requests loan support to remain in business. With the loan, she believes she can provide for her family and most especially her children education.

She is the leader of a trust bank group called ‘Liberty’. She is the one in the middle 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 there is 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
  • 26
    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 Liberty Group's $1,875 loan helped a member to buy baking materials like bags of flour, sugar, margarine, yeast and firewood, etc.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jul 16, 2009
Jul 24, 2009
Currency Exchange Loss:
May 25, 2010