A loan of $4,375 helped a member to buy used shoes in bulk.


Vine Group's story

James, who works as a trader, is 41, married, and the father of three. All his children are in school. He is a very resourceful father in caring for his children. He supports them through the sale of used shoes. Used shoes are a very big market in Ghana as brand new clothes are very expensive for the economically active poor. Moreover, second-hand shoes are seen as having quality and durability compared to new ones found in stores.

Therefore selling of used shoes has created market for many Ghanaians like James. He takes his stock from Greater Accra of Ghana and has been in business for four years now. He wants to use the loan to buy more shoes to increase his inventory. He believes this loan would help him to save more for his children’s education and also to rent a store to trade in.

He is the leader of a trust bank group called ‘Vine’. He is the only man in the group photograph. Most of the members of this group are small traders and food sellers. In this group, members guarantee for one another as social collateral to access the loan and peer pressure to repay the loan.

In this group: James, Esther, Ama, Akua, Matilda, Charllot, Agnes, Emelia , Aba, Mary, Sarah


Loan details


Lenders and lending teams



Loan details