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Happy Day Trust Bank Group
In this Group: Victoria, Diana, Martha, Janet, Margaret, Adisa
Martha is currently the group leader of 'Happy Day Trust' bank group made up of 6 members. Martha is clearly a hard worker. She is 52 years old and sells bales of used clothes to customers in her community. She also engages in farming to supplement her income. Martha has been operating her business for 30 years and is eager to be taking out this loan. She plans to invest the loan to purchase bales of assorted used clothes for adults and children to meet customers’ demand. Used clothes are most patronized since brand new ones are expensive for the majority of low income people. This has created a market for many women like Martha.

Martha is a widow and she is the mother of three children from age 8-20 years. She says that she dreams of being able to generate enough profits that she will be able to improve her children's education.

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
  • 29
    View loans »
    Ghana Loans Fundraising
  • $12,522,425
    Funds lent in using Kiva
  • 1.4
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Happy Day Trust Bank Group's $1,275 loan helped a member to purchase used clothes in bales.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
May 12, 2010
Jun 10, 2010
Currency Exchange Loss:
Nov 12, 2010