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Yehowa Neme Hwefo Group
In this Group: Agnes, Regina, Stella
Agnes is 49 years old. She is married and the mother of four children. All her children are currently independent. She works hard to support the husband and take care of their home.

Agnes produces and sells palm oil. Palm oil is produced from palm-nut fruits. The palm oil is processed through various stages to obtain the palm oil which is used to prepare many local dishes, like fried fish, local soaps and pastries. She produces and supplies the oil to food vendors who use it to prepare their meals. She also sells the palm fruits to those who need them for further processing. However, her production is on the low side because she doesn't have enough money to afford a processing machine. She wants to use the loan to buy more bags of palm fruits. She believes the loan will enable her to save more for her children's education. She would be grateful for your assistance.

Agnes is the leader of a trust bank group called "Yehowa Neme Hwefo," which means "God is my provider." She is sitting in the middle in the group in the photograph. The members of this group are small traders, food vendors, and 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
  • 1.4
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Yehowa Neme Hwefo Group's $1,200 loan helped a member to buy palm oil and palm nuts fruits in bulk.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 5, 2009
Nov 10, 2009
Currency Exchange Loss:
Jun 15, 2010