Gbawe Entrepreneurs Network, Ghana

by Paajaf Foundation

I am writing to provide you with an update to PAAJAF's projects and to let you know a few changes we are making in the short term to help our projects and beneficiaries.

We were visited by Helen at GlobalGiving UK, as a project evaluator to help us to make improvements to our projects and give us advice on how we can support the people in the Gbawe community better with our limited resources and funds. Helen gave us some great feedback, you can read about it here

Together, we have decided that in the short term, due to our very limited funds and resources, that we will be retiring 3 of the projects from GlobalGiving and focusing all of our efforts on Help Underprivileged Children In Ghana and sponsoring the fantastic children featured on our website.

We are determined and committed to providing scholarship support to the children identified in our community and will be participating the the September Fundraiser at GlobalGiving.

You have helped us on our incredible journey, and we hope to continue with your support in the future. If you have any questions, please feel free to contact me at I am more than happy to answer any queries you have.

You can stay updated on the PAAJAF Foundation's latest news via Facebook


Micro-loans would help women to start trades
Micro-loans would help women to start trades

We sincerely thank you for your donations to this project during the June Bonus Day! 

In June, we have been seeking out new partnerships to revitalise our project to assist impoverished women in Ghana to access working capital, receive training and start new businesses.

Myself and our board Secretary (Mr. Amponsah) met with the Operations Manager and Projects Manager from the Hopeline Institute at PAAJAF's office at the The Church of the Pentecost. At the meeting Hopeline requested PAAJAF to submit a board's resolution to work with them, which we have done. It is our aim to work together and receive support from Hopeline. We will keep you informed of progress.

The Hopeline Institute assists the marginalized populations of Accra, Ghana, especially women, by offering training in microfinance management and preventative health. Please see more about them at their website

As a project, we have also created a suite of new policies to implement including a background check form so that participants can provide references and to perform basic name and address checks, an affadavit and group lending agreement which clearly shows how the micro-loans and repayments are planned. This will assist in the monitoring and evaluation of micro-loans. 

Gbawe Community and challenges faced
Gbawe Community and challenges faced

It is with sadness that the project has been put on hold due to personal difficulties that one of the Networkers is facingfrom hospital treatment and high levels of unreliability of repaying the loans from 3 Networkers.  The micro-loans are provided by Sinapi Aba Trust in Ghana who are aware of the situation.

Two of the networkers have run away and as Project Leader, I took personal responsibility to repay their loans from my small salary from my church office where I work.   Every Thursday, I chase the Networkers at their respective homes to collect their repayment money then forward it to the loan officer from Sinapi Aba Trust.

The method of collecting the repayment of micro-loans is under urgent review and the micro-loans provided to defaulting group members have been suspended. The project will prepare more stringent loan contracts that participants must sign, the vetting process for the participants will be reviewed and changed to account for stricter background checks. We have been fortunate to have a volunteer Development Manager to help the project to work on this.

Do you have experience of providing micro-loans in a community? We would appreciate sharing learning with you. Contact me at

Thank you for bearing with us during this time.

Doris uses her loan to sell fruit
Doris uses her loan to sell fruit

The Lifelong Initiative Network (LIN) project helps to improve living standards by providing micro funding, business management training and the spirit of entrepreneurship.

In partnership with Sinapi Aba Trust, in November 2012 PAAJAF provided a total of $1950 in micro-loans to help 7 local unemployed youth and women to start new businesses. Another seven women have also been registered for loans in January 2013 – we will feature their news in our next update.

“How happy I am! As a recipient of Lifelong Initiative Network loan!  I was unemployed so this loan is going to give me hope and put smiles into my children education and family. I am going to use this loan of $200 to buy soap (Omo) and in future to open a shop.” - Millicent, age 31

Your donations support youth and women to receive business training from a facilitator to help Networkers manage their finances and improve trading skills.

The long-term aim of the project is to fund a thrift store, for new entrepreneurs to sell items and end poverty in the community. We are calling for help to support and raise awareness of this project - Email us at to give us a helping hand!

Three LIN Networkers want to share personal journey with you…

Why do you want to join Lifelong Initiative Network, Doris?

 “I am a petty trader and I trade in selling oranges, apples and bananas. I didn’t have money to invest in this trade so I couldn’t buy large amounts in stock, so that I can get some forms of income to take care of my children and support my husband. So when I heard about this LIN project, I decided I have to join, that is why I am here , the network would helps me to invest in my business so that I can be able to pay my wards schools fees”~ Doris

Evelyn is a 50 year old woman who trades in pito with a monthly income about $40. She has received her first loan of $350 through the network which is payable in 5 months time.  Her goal is to invest the money received into her selling maize and pito.  She can buy in large quantity and would be able to look after her dependants.

 “I trade in Pito, I think the Lifelong Initiative Network (LIN) is a program that would help the women in Gbawe Community. I heard about this program from a friend who is a member of the network and about PAAJAF – That the organization supports children and women.  So I decided to join the network if I could received any assistance so that I can look after my family” ~ Evelyn

The micro-loans through the LIN project are supporting the long-term unemployed to start new trades; Priscilla aged 24 says “I was unemployed. I am going to use the loan of $350 to start a petty trade by selling second-hand clothing this will help me to look after my son and my family. After the repayment of this loan, I want to apply for another loan that can help me to open a shop.”

The story has featured in media channels Vibe Ghana, Modern Ghana and Microfinance Nigeria.

Thank you for your support.

Millicent - How Happy I am!
Millicent - How Happy I am!
November micro-loan recipients
November micro-loan recipients


LIN brings together local business women
LIN brings together local business women

We're pleased to bring you an update about our meeting. The Lifelong Initiative Network (LIN) creates job opportunities particularly for women. Through LIN they will learn business skills and are given support to sustain jobs. Women will also be able to access the necessary stock and resources they need.

We have been meeting with a group of women in our community and giving them education about the LIN programme. We have contacted a micro-finance organisation based in Accra to help support the women.

The women are from poor backgrounds and are struggling to find employment. As of today we have 20 networkers. The current members range from age 25 to 50 and we are starting to fill application forms for those that want to join LIN.  

Meet some of the LIN networkers...

Juana is aged between 28 - 30 and is a second-hand clothing dealer with a month income about $50, she has joined Lifelong Initiative Network so that she can get support to expand her trade.

This is also the same for Millicent who sells fish on table as a petty trader and Doris, a jewelry seller aged 25.

Do you want to help a young woman like Juana grow her business? contact us at

Long-term goal

Our long term goal is to operate a thrift store. We generously receive items in-kind from abroad, to help us with our welfare projects. The thrift store would receive stock and sell items to local entrepreneurs in a micro-enterprise framework. All proceeds from thrift store sales will be invested back into PAAJAF education and welfare projects. Local entrepreneurs will be able to create jobs and sustain employment for local people. 

This is how the micro-enterprise framework will work;

1)    We receive donations in kind (clothes, shoes)

2)    The thrift store will sell clothing, shoes and other small household items at a very reasonable price to local entrepreneurs

3)    Shops establish a network - the Lifelong Initiative Network (IFIN) this will create jobs for local people, ending the poverty cycle

All the sales income will finance and sustain PAAJAF's projects and to support unemployed youth, women and local entrepreneurs.  It will also help to ship and pay handling charges of container of goods to PAAJAF and operating the thrift store. We will keep you updated on our progress towards our long term goal!



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Organization Information

Paajaf Foundation

Location: Mallam-Accra, Greater Accra - Ghana
Website: http:/​/​
Project Leader:
Philip Appiah
Gbawe, Accra Ghana

Funded Project!

Combined with other sources of funding, this project raised enough money to fund the outlined activities and is no longer accepting donations.

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