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

by Self-Help International
Sep 5, 2012

More Women in Ghana Acquire Cell Phones

Farmer utilizing her cell phone
Farmer utilizing her cell phone

Beposo is a farming community in rural Ghana. It has no electricity but thankfully has a borehole for water. In 2011, nine women from this community benefited from Self-Help International’s micro credit program, receiving loans for petty trading and agro processing.

After two loans the beneficiaries saw positive changes in their lives, the most notable being the purchase of cell phones by four women.  In Ghana, cell phones can be purchased for $20-25.  The number of beneficiaries using cell phones has more than doubled in the past couple of years, with approximately 3 in 5 beneficiaries now using the devices.

  1. The use of cell phones is common among beneficiaries that specialize in trading because of the enhanced communication they provide with important trading partners. Without cell phones  they could travel several kilometres. without meeting their customers. Cell phones have provided them with the knowledge of when their trading partners will be available, saving precious time and energy while making their business more efficient.

The Women Behind the Phones

Some of the cell phones look attractive and expensive, but are still reasonable to purchase, as in the case of Elizabeth. Elizabeth is a hairdresser who has eyes for beautiful things and is doing well with her loans.

In front of Elizabeth are items for her hair dressing business such as wigs, hair cream and rollers. She tells Self-Help the phone makes it easier to schedule appointments with her clients. She tells clients, “…my cell phone number is written in front of my case I am in the next village you just buzz me…” Instead of missing appointments, Elizabeth can communicate with her clients to let them know her whereabouts. Her cell phone can provide the vital link she needs to her clients, enabling her business to grow.

Cell phones aren’t just for trading businesses and emergencies, for Maame Adwoa her phone is a lifeline to her daughter who is in a teacher training college in the city. Maame is a farmer, whose participation in the micro credit program has improved her business, making it possible to send her children to a good school in the city.

The Challenge

There is no electricity in most villages, so how do they charge the batteries on their new cell phones without missing business calls? When batteries run down the phones are sent to nearby community with electricity, which will charge the phone for the fee of 50p (26 cents). Sometimes a phone sent in to be charges is either stolen or swapped. The search for a solution is still continuing. 

Hair Dresser contacting customers
Hair Dresser contacting customers
Mother contacting her daughter at boarding school
Mother contacting her daughter at boarding school


  • Jennifer Afdahl Rice
    Jennifer Afdahl Rice There are solar chargers available for cell phones now. Has this been explored?
    • 3 years ago
    •  · 
  • Miriam E
    Miriam E Thanks for this informative update and great photos--it makes the project seem even more real and meaningful. May you prosper, as well as the women you are helping!
    • 3 years ago
    •  · 
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Organization Information

Self-Help International

Location: Waverly, IA - USA
Website: http:/​/​
Project Leader:
Nora Tobin
Executive Director
Waverly, IA United States