A loan of $1,075 helped a member to buy more cosmetics and sell to customers.


Universal Group's story

The group Universal is composed of four persons, who reside in the same town. They are into cosmetics, provisions, soft drinks, fresh fish and plastics items. The group’s representative, named Gladys who is 46, married with children who go to school. She lives together with her children and husband. The couple jointly cover the household expenses. For nearly five years, Gladys has been selling cosmetics out of her house. She gets her supplies at a market in Ghana. Seeking to satisfy her customers and grow her revenues, Gladys and the other members of the group universal are requesting a fifth loan from ID-Ghana. The previous loans were indeed paid back.

In this group: Gladys, Robert, Faustina, Comfort
*not pictured



Loan details


Lenders and lending teams



Loan details