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Joy Trust Bank Group
In this Group: Augustina, Akua, Agnes, Sarah, Rebecca, Kwesi, Paulina*, Janet
* not pictured
Akua is a 47-year-old woman who describes herself as trustworthy. She is married to a cocoa farmer and has 6 children between the ages of 9 and 25 years old. Akua and her husband hope to provide their children with a good education and build a home for their family. For the past 25 years, Akua has operated a business selling vegetables and fruit. Akua also manufactures local soap for washing clothes. She will use the loan to purchase more vegetables and fruit such as tomatoes, garden eggs (or eggplant), and also buy more ingredients for her soap-making business.

Akua is currently the leader of the group named 'Joy Trust Bank Group'. She believes she was elected as the group leader because she is a good organizer. There are 9 members in this group. The other members include 'kenkey' food processors, soap manufacturers, and maize traders. 'Kenkey' is a local dish prepared from maize, cooked and eaten with pepper sauce and fish. They plan to use the loan to buy food ingredients and other stock to grow their business and be able to adequately support their families.

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
  • $12,270,275
    Funds lent in using Kiva
  • 1.4
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Joy Trust Bank Group's $1,925 loan helped a member to purchase vegetables and fruits in bulk.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Apr 19, 2010
May 14, 2010
Currency Exchange Loss:
Nov 12, 2010