This last week I have started to meet borrowers and feel the reality they face. It is a reality full of difficulties and challenges, in which a small amount of money can make the difference to the person that receives it, his family and his community.

ID Ghana has a different approach to microfinance, they call it “Onipa Nua”. It is based on group relationships. What they do is forming 15 to 40 people groups (95% of members are women) and they are trained in different abilities: saving, convive, how to manage a business, loaning, health…and many more areas that help them build a successful group up.

Once groups are formed and leaders are elected,  (this can take several months), they are ready to start saving and borrowing money. This is how a “Onipa Nua”is born.

Each member of the “Onipa Nua” is only responsible for his loan, and does not guarantee other members´ loans. However, as in these countries “your problems are also your neighbors and friends´ problems”, the compromise borrowers have with their loan is total, and under any circumstance they want to let other members down.

Onipa Nua´s members are extremely aware of the importance of a loan and what it implies, this is why they just borrow what they need, and if it is necessary, they stop eating rather than stop paying back their weekly fee.

When you see this, it gives you goosebumps. You feel again those values that are not fashionable anymore, like compromise, effort and honesty.

This reminds you that what is worth in life is what you achieve following those principles.