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Efua B. sells smoked fish and gari (couscous-like grain made from grated cassava) at Elmina, which she has been doing since 1989. To smoke her fish, she goes to the seashore to buy fresh fish from the seamen. She comes home with the fish, cleans or dresses them, and drains the water that comes from washing the fish. She prepares her traditionally-made oven with firewood to smoke her fish for sale.

Efua is married and has no formal education. Her husband is a fisherman. Efua uses her income to help her husband pay utility bills and for their apartment. Efua will use this loan to buy more fish to smoke and gari to sell. With the profits from her expanded business, Efua plans to save to build.

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
  • 34
    View loans »
    Ghana Loans Fundraising
  • $11,967,750
    Funds lent in using Kiva
  • 1.4
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Efua to buy fish to smoke and gari to sell.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Sep 22, 2009
Oct 12, 2009
Currency Exchange Loss:
Aug 18, 2010