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Paulina O. is married and has 2 children. She has received an education through Junior High School. Paulina sells groceries and foodstuffs at Frami near Abura, which she has done for 10 years. While Paulina works as a petty trader, her husband is employed as a farmer.

Paulina uses her income to pay for household expenses and to help her husband when there is any other need. She will use the loan as additional capital to enable her to buy more foodstuffs for re-sale. With the new profits from her expanded business, Paulina plans to reinvest for the expansion of her trade.

Additional Information

Important Information About CRAN

Please note that Kiva considers loans to this Field Partner, CRAN, to be particularly HIGH RISK. This organization has had very serious delinquency problems brought about by problems with its credit methodology, local environmental shocks including a depletion of local fisheries in its core area of operation (Cape Coast and the Central Province), and insufficient follow up with late clients. Lenders to this business should be aware that there is an increased risk of not getting repaid on this loan due to the challenges facing the Field Partner.

CRAN's creditors - including Kiva - have entered into a new Restructuring Agreement (For more information, please see CRAN's Field Partner profile: ). Kiva will extend its ongoing policy of allowing CRAN to continue to raise funds on the Kiva website. New funds raised will be used to make repayments on older CRAN loans via Kiva’s standard net billing process.

About Ghana

  • $3,500
    Average annual income
  • 41
    View loans »
    Ghana Loans Fundraising
  • $11,460,400
    Funds lent in using Kiva
  • 1.4
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Paulina additional capital to enable her to buy more foodstuffs for re-sale.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Apr 8, 2009
Apr 23, 2009
Currency Exchange Loss:
Dec 24, 2009