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God's Hand Group
In this Group: Beauty, Rubben, Gladys
These members are part of the group called 'God's Hand'. The group is made up of three women, all of whom are married, and who on average are 30 years old and have two children. They live in traditional families in the Dansoman neighborhood in the city of Accra. They know one another through neighborhood, friendship, and business ties.

To strengthen their financial capacity in order to better run their businesses, they joined ID-Ghana, a micro finance institution, with whom they are on their eighth loan. The previous two loans were repaid back properly. This group of women sells wigs, rice and groceries.

Beauty is the wig-selling young lady who will use her loan to buy GHS 3,000 worth of wigs to sell to her customers.

She will buy from the wholesalers in Accra. She makes her sales in a container close to her house.

She plans to make a very big profit from this loan cycle, which will be reinvested in the businesses and used to repay back the loan.

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
  • 14
    View loans »
    Ghana Loans Fundraising
  • $12,268,050
    Funds lent in using Kiva
  • 2.4
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of God's Hand Group's $1,675 loan helped a member to buy wigs to sell to her customers.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Jan 31, 2014
Feb 6, 2014
Currency Exchange Loss:
Jul 17, 2014