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Emmanuel's Group
In this Group: Emmanuel , Cynthia
Emmanuel, a 41-year-old married father of two children aged 12 and 7, operates a drinking bar where he sells Sprite, Muscatela, fruit drinks, Malta Guinness, Coca-Cola, etc. everyday from 7 a.m. to 12 p.m. He has been in business for the past nine years.

Emmanuel wants to use this loan to purchase 15 crates of assorted soft drinks. A client of ID-Ghana for four years, this will be his seventh loan with them, and his second with Kiva.

Cynthia is 39 years old and sells men's and women's underwear. She is Emmanuel's wife.

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
  • 29
    View loans »
    Ghana Loans Fundraising
  • $12,522,425
    Funds lent in using Kiva
  • 2.1
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Emmanuel's Group's $1,950 loan helped a member to purchase 15 crates of assorted soft drinks such as Sprite, fruit drinks, Malta Guinness, Coca-Cola, etc.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Jul 18, 2013
Jul 31, 2013
Currency Exchange Loss:
Feb 17, 2014