Mariam is a 42 year old woman whose husband is based in Germany. Their three children live with her at Madina Estate close to Accra. Her first child is 29, followed by the second 19 and the last 5. The first is a trader; the second is in Senior High School Form 2 and the last in Kindergarten. Her husband remits her every month to help with the upkeep of the children. He also visits Ghana at least twice a year so as to spend sometime with the family.Mariam comes from Tamale in the Northern region of Ghana. She migrated to Accra to trade. On her arrival, she lived with a cousin at Achimota and soon started selling baby clothes. She later got married and then joined her husband at Madina. It was after she had their 3rd child, her hu
sband travelled outside the country for greener pastures.
After selling babies’ wares for some years, she decided to change to plastic bowls since some friends advised she would make more money. She has been selling the bowls for about 6 years now and usually open her shop at 7:00 am and closes at 6:00 pm.
Mariam got to know about ID-Ghana when she needed a loan to enable her expand and diversify her business. A friend of hers who happened to be a partner of ID-Ghana introduced her to Benjamin Egyir, a credit officer at the Madina branch. She was educated on the procedures of the organisation and was given her first loan on the 7th, June 2007.
With her first loan of GH¢ 120, she was able to increase her stock. Her subsequent loans of GH¢ 220, GH¢ 400 and GH¢ 700 received on 25th, October 2007, 28th, February 2008 and 3rd, July 2008 re-spectively, enabled her to include kitchen knives, cutlery set and glasses to her stock.
Before taking the loan from ID-Ghana, her turnover used to be about GH¢ 50 a day. Currently, with the diversification and expan-sion of her business, there has been great increase in her sales. Her turnover now ranges between GH¢ 80 and GH¢ 150. On the whole, the loan has been very beneficial to her. She now has no difficulty paying her children fees even when her husband doesn't send money down. She is able to take better care of them, thanks to ID-Ghana. Her future plans are to educate her two children still in School to the tertiary level and to build a house for them.
sband travelled outside the country for greener pastures.After selling babies’ wares for some years, she decided to change to plastic bowls since some friends advised she would make more money. She has been selling the bowls for about 6 years now and usually open her shop at 7:00 am and closes at 6:00 pm.
Mariam got to know about ID-Ghana when she needed a loan to enable her expand and diversify her business. A friend of hers who happened to be a partner of ID-Ghana introduced her to Benjamin Egyir, a credit officer at the Madina branch. She was educated on the procedures of the organisation and was given her first loan on the 7th, June 2007.
With her first loan of GH¢ 120, she was able to increase her stock. Her subsequent loans of GH¢ 220, GH¢ 400 and GH¢ 700 received on 25th, October 2007, 28th, February 2008 and 3rd, July 2008 re-spectively, enabled her to include kitchen knives, cutlery set and glasses to her stock.
Before taking the loan from ID-Ghana, her turnover used to be about GH¢ 50 a day. Currently, with the diversification and expan-sion of her business, there has been great increase in her sales. Her turnover now ranges between GH¢ 80 and GH¢ 150. On the whole, the loan has been very beneficial to her. She now has no difficulty paying her children fees even when her husband doesn't send money down. She is able to take better care of them, thanks to ID-Ghana. Her future plans are to educate her two children still in School to the tertiary level and to build a house for them.
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