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Ernestina's Group
In this Group: Ernestina, Cynthia, Mariana
Ernestina is 38, married and has three dependent children. She is a very brave and enterprising woman and has been able to make the most out of her work as a saleswoman selling cosmetics.

This is the second loan that Ernestina is applying for. She will invest it in the purchase of the cosmetics her stock for resale. The most important thing for her right now is to overcome the financial crisis she is faced with and establish her business. This loan will be a great way to achieve this. Aside from Ernestina, there are two other group members who will invest this loan in their businesses by buying mineral water and plates.

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
  • 35
    View loans »
    Ghana Loans Fundraising
  • $12,522,450
    Funds lent in using Kiva
  • 2.4
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Ernestina's Group's $600 loan helped a member to purchase cosmetics to increase her stock for resale.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Dec 13, 2013
Jan 9, 2014
Currency Exchange Loss:
Jul 17, 2014