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Joy Group
In this Group: Veronica, Mary, Regina, Monica, Bertha, Gladys, Lydia
Veronica is sixty years old. She is divorced and has give birth to five children, all now out of school. She lives with her husband and children in a rented apartment in a town called Wiawso, a commercial and farming town in the Western Region of Ghana.

Veronica is a trader, trading in textiles. She is the leader of a trust bank group called Joy and the group members are engaged either in farming or trading activities. They sell in their local market and nearby communities and sometimes trek to nearby community markets. They want a loan to buy goods in bulk to expand their businesses.

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
  • $12,268,050
    Funds lent in using Kiva
  • 1.5
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Joy Group's $2,400 loan helped a member to buy more stock for her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 1, 2009
Sep 19, 2009
Currency Exchange Loss:
May 18, 2010