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Emelia is fifty-eight years old, the mother of three children, and a widow. She sells beads to her customers in the community. All the children are grown and take care of themselves.

She has been in business for the past twenty years, and is still doing very well, thanks to ID Ghana, which trained her on how to talk to customers and how to keep her business running in the right direction.

She chose this business because it has been a sort of family business that she learned from her mother, as she was growing to adulthood. She buys beads in the market at wholesale prices and sells at retail prices. She has displays of some of her bead products in the photograph.

She joined ID Ghana in 2010 and, to her amazement, has taken five cycles of loans. She is requesting an amount of 1,000 Ghana cedis to expand her business and buy more goods to sell to her customers. In her fourth cycle, she received 850 cedis, which was used for the same purpose. She makes enough to take care of herself.

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.

About Ghana

  • $3,500
    Average annual income
  • 29
    View loans »
    Ghana Loans Fundraising
  • $12,522,425
    Funds lent in using Kiva
  • 1.9
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Emelia to buy more beads to sell to customers.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Oct 19, 2012
Dec 1, 2012
Currency Exchange Loss:
Jun 17, 2013