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Salamatu A. sells cosmetics, lace materials, thread, needles, handkerchiefs, baby diapers, and provisions such as milk, soap, and minerals. Salamatu is married and has three children ages 15, 6 and 3 years old. Her husband is an electrician but his income is low. Salamatu works very hard. To help with the family finances, she also sells shoes and mineral water. Her store is located at Moree Junction, about 5km from Cape Coast.

She is also a member of a lending group called “Emmanuel Traders Group” located on the Yamoransa – Accra highway.

Salamatu is asking for a loan of US $800 to fill her store with cosmetics, shoes, baby dresses, minerals, lace materials, thread, and provisions such as milk, milo, soap, and bags of rice. She intends to pay the loan back within seven months.

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
  • 23
    View loans »
    Ghana Loans Fundraising
  • $11,565,250
    Funds lent in using Kiva
  • 1.0
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped Salamatu to fill her store with cosmetics, shoes, baby dresses, and provisions such as milk, milo, soap, and pepsodent.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Dec 20, 2007
Dec 6, 2007
Currency Exchange Loss:
Aug 3, 2008