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Everything By God Group
In this Group: Elizabeth, Naomi, Cecilia, Janet, Faustina, Vida
Elizabeth is 32 years old. She is married and the mother of one child who is currently in school. She owns and operates a grocery shop where she sells items like sugar, vegetable oil, bottled water, skimmed powdered milk and biscuits in her neighborhood. She lives with the husband and her dear child.

With the loan, she wants to purchase more crates of assorted drinks, bags of sugar, cartons of vegetable oil, boxes of biscuits etc. to increase her inventory. She hopes to increase her savings to support her children in school. She believes that with her four years of experience, she can make good use of the loan.

She is the leader of a trust bank group called "Everything by God." She is the one squatting in the group photograph. Most of the members of this group are small traders, food vendors and/or farmers. In this group, members guarantee for one another as social collateral to access the loan and provide 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
  • 25
    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 Everything By God Group's $2,150 loan helped a member to buy grocery products.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jul 16, 2009
Aug 1, 2009
Currency Exchange Loss:
May 25, 2010