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Emma Group
In this Group: Emmanuel, Francisca
The Emma Group is made up of two partners, namely Emmanuel and Francisca, both residing at Glefe in Dansoman. They have been together since 2008 and are doing very well. Both sell CDs and Lacoste T-shirts.

Emmanuel is a 29-year-old CD seller. This has been his work for the past seven years and he is doing very well. Because of his integrity and frankness, all his customers trust him. He has been with ID Ghana for the past five years and wants to stay with the organisation for all his life.

He has taken eight loans and has fully repaid all. On his 9th loan, he is requesting 800 GHS to help him meet the demand from his customers.

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
  • 13
    View loans »
    Ghana Loans Fundraising
  • $12,270,275
    Funds lent in using Kiva
  • 1.9
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Emma Group's $600 loan helped a member to buy more movie CDs and DVDs to sell.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Feb 14, 2013
Mar 11, 2013
Currency Exchange Loss:
Aug 17, 2013