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In this Group: Beauty, Gifty
Biako Ye is a group consisting of two members, both of whom are women. These entrepreneurs are very humble, hardworking and responsible people with good manners and lots of enthusiasm to improve their lives. They are selling provisions and wax prints.

One of the members is Gifty, who was selected as the featured borrower of this group. Gifty is a 33-year-old lady living with her husband and her children, who are attending school. She runs a wax prints shop to help her husband financially. She sells wax prints in her shop at the market. She has developed a very good relationship with her customers in the city. Gifty has a plan to make her shop bigger and keep multiple things in her shop to satisfy her customers. She also wants to purchase the items for her shop in bulk directly from the wholesalers. For this reason, she has requested a loan to purchase items like assorted wax prints and sell to customers.

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
  • $12,624,300
    Funds lent in using Kiva
  • 3.0
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A portion of Biako Ye Group's $1,000 loan helped a member to purchase items like assorted wax-prints and sell to customers.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Jun 20, 2014
Jul 15, 2014
Currency Exchange Loss:
Mar 17, 2015