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Jay-To Group
In this Group: Janet, Emelia
Jay-to is a group of two women who are traders. They sell slippers and soft drinks: Coca-Cola, Fanta, Sprite and Malta Guiness. Janet and Emelia come from Nungua in Accra.

Janet operates a drinking bar at her home, whereas Emelia, the slippers seller, hawks between Teshie and Nungua. Emelia is 49 years old and single, with two children. Janet is 44 years old and married, with two children. Both have been selling these products for 12 years now.

This is their third loan cycle with ID-Ghana. They have repaid previous loans successfully, and they need 1,400 Ghana cedis to be able to expand their businesses. They will pay back this loan in full.

Additional Information

About ID Ghana

ID Ghana is a microfinance NGO that provides financial and social services to underserved urban communities in Accra. ID Ghana’s socially-oriented business model provides clients with a number of social services, including financial literacy training, group discussions led by peer educators on health and nutrition education, child schooling, basic medical services, and counseling and legal services for women victims of violence.

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
  • 2.0
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Jay-To Group's $725 loan helped a member to buy more soft drinks to meet customer demand.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Jul 5, 2012
Jul 26, 2012
Currency Exchange Loss:
Jan 15, 2013