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Joyce's Group
In this Group: Joyce , Doris
Doris was born in 1968 but is still determined to work until she gets her dream in life. She is a member of this group, which is located in the southern part of Teshie-Ghana. She has so far borrowed four loan cycles from ID-Ghana through its Teshie branch and has now applied for a loan of GHS 800 to be able to boost her business by buying soft drinks (Fanta, Coca-Cola), cooking oil and noodles. She is an enterprising lady who has seen her business grow from one level to another since 2000. Her clients are mainly people from the nearby locality and the locals of Teshie. Doris is hard working and honest and this has helped her a lot to grow the business despite the challenges of inflation and competition. She believes that the profit from the business will help her achieve her dream in life.

The other colleague sells fish and together they need a total amount of GHS 1800 to improve their businesses.

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
  • 20
    View loans »
    Ghana Loans Fundraising
  • $12,631,950
    Funds lent in using Kiva
  • 2.1
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Joyce's Group's $850 loan helped a member to buy soft drinks, cooking oil and noodles for her business.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Aug 30, 2013
Sep 9, 2013
Currency Exchange Loss:
Apr 16, 2014