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Salvation Group
In this Group: Aba, Araba, Aba, Victoria, Jamiratu, Amina, Grace, Elizabeth, Aba, Josephine
Aba is 38, married, and has two children, both of whom are in school. She lives with her family at Cape Coast in the Central region of Ghana. She has been a baker for six years who uses flour for her production. In spite of the challenges she faces, she bakes bread, cake, meat pie, chips, etc. and sells at retail to her customers. She sells by herself in the market center, and people also take bulk delivery bread from her.

Her only problem now has to do with adequate funds to buy raw materials as prices are going up. She requests a loan support to remain in business. With the loan she believes she can provide for her family and most especially her children's education.

Aba is the leader of a trust bank group called ‘Salvation’. She is the one sitting second from left 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 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
  • 16
    View loans »
    Ghana Loans Fundraising
  • $12,268,050
    Funds lent in using Kiva
  • 1.4
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Salvation Group's $3,950 loan helped a member to buy ingredients for food production.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Dec 28, 2009
Jan 6, 2010
Currency Exchange Loss:
Sep 2, 2010