2 "Onipa Nua" groups ("mutual solidarity" in Twi) were given an appointment in the meeting room of Kaneshie market for their loans granting.
First, the Training Officer, Eva Ankrah, opened the meeting with a speech on the loan terms and the conduct of the meeting, the beneficiaries have already received extensive training on how to manage a loan and about the Onipa Nua methodology, it is just a reminder.
Then the General Manager of IDG, Stephen Dugbazah, told them that respecting their commitment is essential to continue to evolve with IDG. Then, Agnes Osei, MIS assistant, announced the identity verification and explained the contract and repayment schedule.
Animation techniques help keep the attention of the beneficiaries during these meetings. For example, one trainer says “Hello?” and all beneficiaries must reply to continue the meeting. The speaker can make it two successive times to be sure to interrupt the private discussions of partners.
After the presentations and reminders of procedures, credit applications already filled with an ID picture and approved by the operation department are distributed to group members while Agnes checked with the ID card that it is indeed the right person. Partners are then asked to join the desk so that the loan officer can take their thumbprints as well as the group leader’s (1 Onipa Nua partner is appointed by other members as a group leader) on this same form and to give them the amount granted.
Money is recounted by the credit officer before being given to the partner who checks once again, that the amount is the same as the one on the form. For some who are unsure about counting correctly, it’s one of the staff members who do the check, teaching them along the way.
When the amount is received, partners go back to their income generating activities. Once a week, they will have to assist to the group meeting located near their residential or business area to repay the credit. They can also deposit savings with ID-G (remunerated at 5% p.a.) and they all receive training on various topics such as registration to the National Health Insurance Scheme (NHIS) or the importance of saving.
S.A.