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Georgina's Group
In this Group: Georgina, Gladys, Lydia, Emmanuel
This group has been in existence since the inauguration of the microfinance branch in Teshie in 2010. They are on their eighth loan cycle. The group is comprised of women and a man who all live in the same neighborhood. They get along well with one another and are united by good group spirit. They are essentially involved in small retail business. They are into jewelry, water, gari, charcoal, maize, milk and Milo [a brand of malted milk].

Georgina (standing second from right in the photo) is the group's featured borrower. She is 37 years old, single, has no children but two dependents. She is actively involved in the sale of jewelry, water from a reservoir and gari (a local food made from cassava), which she buys in bulk quantity from the wholesale market.

With her new loan amount of 2,800 cedis, Georgina will buy three bags of gari and 1,500 cedis' worth of jewelry. She will use the rest to pay water suppliers. Georgina will use her profits to take care of her two dependent children's educational needs as well as her own needs.

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
  • 34
    View loans »
    Ghana Loans Fundraising
  • $12,524,950
    Funds lent in using Kiva
  • 2.1
    Ghana Cedis (GHS) = $1 USD
A portion of Georgina's Group's $2,925 loan helped a member to buy and sell jewelry, water from a reservoir and gari (a local food made from cassava), which she buys in bulk quantity from the wholesale market.
Repayment Term
9 months (Additional Information)
Repayment Schedule
Aug 22, 2013
Sep 2, 2013
Currency Exchange Loss:
Oct 2, 2013