A loan of $1,975 helped a member to purchase more bales of used clothes.


So Aba Pa Group's story

Married with five children, four in school and one a trader, Charity is 41 years old. She supports her husband in providing for the household through the sale of used clothing. Used clothing has a very big market in Ghana, as brand new clothes are very expensive for the economically active poor. She has been in this business for the past five years, making her sales through ‘hawking’, which is door-to-door sales. Charity wants to use the loan to buy more bales of used clothing to increase her inventory to meet customer demand, as in the Christmas season parents buy used clothing for their children. She believes this loan will help her to save for her children’s future and also to rent a store to trade.



The leader of a trust bank group called ‘So Aba Pa,’ which means ‘Bear good fruits,’ Charity is the one seated in the group photograph. Most of the members of this group are petty traders, food vendors and farmers. The group members provide social collateral for one another to access the loan, and utilize peer pressure to ensure repayment of the loan.

In this group: Charity, Mary, Helen, Grace, Diana


Loan details


Lenders and lending teams



Loan details