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Focus Group
In this Group: Margaret, Christiana, Charity, Esther
This group is called Focus and is made up of 4 women. They are always reminded by their group name to stay in focus all the time. They sell the following items: provisions, palm oil, ice chests, saucepans, rice, maize and snails. They took their first loan in 2010.

Esther is a 49-year-old foodstuff seller married to a 53-year-old security guard who works with one of the security companies in the country. They have no children. She specifically sells maize, rice and meat from the forest. She sells from morning to evening and Monday to Saturday.

She was given 850 Ghanian cedis in her 4th loan cycle which she used to buy two bags of maize (corn), one bag of rice and two baskets of snails. She now needs 1,100 Ghanian cedis to buy four bags of maize (corn), two bags of rice, 4 baskets of snails and smoked grasscutter. She has been reinvesting her profit into her business.

This group needs a total of 3,300 Ghanian cedis to be able to meet customer demand.

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
  • 14
    View loans »
    Ghana Loans Fundraising
  • $12,268,050
    Funds lent in using Kiva
  • 1.9
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Focus Group's $1,750 loan helped a member to buy four bags of maize (corn), two bags of rice, 4 basket of snails and smoked grasscutter.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Sep 7, 2012
Sep 23, 2012
Currency Exchange Loss:
May 17, 2013