SHI- Fund 200 Women's Micro-Credit Loans in Ghana

by Self-Help International

Confession of a Husband

“I am an indirect beneficiary of your program,” confessed Antwi, husband of Akosua. “And I will be forever grateful!”  This was the happy confession Self Help staff heard from Antwi when visiting Worapong, Ghana last December.

 Antwi’s wife, Akosua, is on her third micro-credit loan from Self Help. She sells kose, a popular kind of doughnut prepared from cowpea and usually eaten in the morning with porridge. Akosua reports the loans have helped her start-up and expand her cocoa farm and pay for improvements to her food vending business. “The loans have  indirectly helped my entire family,” says Akosua.

 Akosua invested some of her micro-credit loan profits in her husband’s firewood business. According to Antwi, the couple is anticipating a profit this year. The funds helped buy a chainsaw which, in turn, allows Antwi to cut more wood, enabling him to produce and sell more lumber. “We will be able to build a new house for our family this year,” says Antwi.

Antwi is so appreciative of Self Help’s micro-credit loan program that he has occasionally made the 20 mile trek to Kumasi to make the loan payment for his wife.

 Worapong is a small farming community located outside of Kumasi. Except for the elementary and Jr. High schools, the village is very primitive with no electricity or running water.

 Being able to produce and sell firewood and kose in the village benefits the entire community. 


Torrential rainfalls caused the Offin River to spill over its banks near Abompe, Ghana earlier this year.  The flooded river submerged the road linking Asugya to Abompe, the only thoroughfare for local villagers. 


But the extreme weather didn’t stop Linda, a micro-credit loan trainee, from crossing the flooded river in an old, leaky canoe with her 4 month old daughter to attend the Self Help International micro credit meeting in Abompe.


“Linda is very diligent about attending the training sessions Self Help sponsors,” says Benjamin Kusi, project officer of the training program.  Before women are granted micro-credit loans from Self Help they must successfully complete a 6-month training program teaching basic business guidelines  and healthy, day-to-day living strategies.


Traveling through extreme, weather-related conditions to attend these sessions is common, explains Kusi. The woman are so grateful for the opportunity to learn how to improve their lives and provide a better lifestyle for their children.


Linda will graduate from the training program in February, 2012 and will be eligible for a micro-credit loan at that time.


 “It is satisfying to see the confidence and progress these women experience through the training program and financial support from Self Help, “ continues Kusi. “Their lives are literally transformed.”


Afia with her daughter, coal pot and frying pan.
Afia with her daughter, coal pot and frying pan.

Young Mother Grateful for a Micro Credit “Legacy.”

Afia, a 22 year-old, single mother, did not know how she was going to support herself and her new “bouncy” baby girl. She was forced to leave a seamstress apprenticeship in the nearby town of Kumasi when she discovered she was pregnant.

After moving back home with her mother to Kyereyaase, a farming community in Ghana, Afia became discouraged with the lack of opportunities. “I became frustrated and confused as a single parent with virtually no support from anyone,” she says.

Help came from a knowledgeable and familiar source.  Afia’s mother, a successful micro credit beneficiary herself, suggested Afia attend a Self Help sponsored training workshop designed to teach Kyereyaase women how to diversify their businesses. The training focused on how to make pastries, meat pie, doughnuts and plantain chips.

Shortly after the training, Afia’s mother decided to give her daughter start-up money with profits from her successful business funded by Self Help. With GH50 ($33), Afia was able to begin preparing and selling pastries in her community. Ten days after starting her business she was able to buy a frying pan and coal pot.

Today Afia spends about $13 a day and receives between $17 and $20 a day, more than a 30% profit!  “Today I am thankful to God and Self-Help for the opportunity given me to enable me to help myself,” says Afia

Erica and Jessica
Erica and Jessica


Erica gives hope to Jessica

Akua Erica, 37 and a mother of three, became a beneficiary of Self-Help's Ghana Micro Credit program in 2009. She was a hairdresser and had witnessed improvement the program had made in the lives of her community members.

One late afternoon in 2009 she pleaded with the leader of Adom group who allowed her into their group. Erica used her loan to purchase wig/weave-on, which attracted more customers to her salon. Her savings went up in a matter of months and living conditions of her family also improved. She has taken 3 loans so far. Today Erica and her family no longer live in a single room. They live in a chamber and a hall (2-room apartment). She purchased a good used double door refrigerator which she plans to use to sell ‘ice-water’. In recounting benefits derived from becoming a member of the program this is what she had to say;

 “ greatest joy from joining the program is my ability to provide health care and support for Jessica..”  Jessica is Erica’s second child, 4 years old and suffers from Autism. Erica and her baby move from one health center to another in search of a cure. “ first Jessica could not do a thing on her own, but now she is able to feed herself...I am confident she will continue to improve....”

Agnes with screw press
Agnes with screw press

Agnes Jaka, 70 is a farmer and palm oil producer living in Bomfa, Ghana. In 2007 Agnes decided to expand her farming to include animal husbandry. She saw this as an opportunity to further develop her farming practices and add another source of income.

In February of 2008 Self-Help trained Agnes on animal care and gave her a loan of 140 cedis (US$127.30). Agnes purchased 2 female sheep and a ram. Each female gave birth to a lamb. Agnes was excited to see the progress her farm was quickly making. Unfortunately illness struck in 2009 and only the ram survived. Agnes had no choice but to sell the ram in order to pay off her loan. She was determined to get back on her feet and find success.

In 2010 Self-Help granted Agnes a loan to buy a screw press to improve her palm oil processing. The screw press has increased her production, decreased processing time, and allowed her to rent the equipment to other farmers. This success has allowed Agnes to pay off her screw press a month ahead of time. She is grateful to Self-Help for a new opportunity. Agnes said, “Given the opportunity, I would like to receive a loan to buy a digester so I can stop using mortar and pestle which is laborious and time consuming”.

Self-Help stands by its beneficiaries helping them to find success, new opportunities and sustainability.

Palm oil fruit before processing
Palm oil fruit before processing


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Organization Information

Self-Help International

Location: Waverly, IA - USA
Project Leader:
Nora Tobin
Executive Director
Waverly, IA United States