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Efua M. is single and has 2 children. She has been educated up to senior high school. Efua has been selling palm oil, which she helps prepare, in Abrafo, near Abura, for 5 years. She is responsible for paying for her children's food, school fees and needed learning materials.

Efua's loan will be used to buy a larger quantity of palm fruits to increase her sales. She hopes to use the new profits from her business to continually expand it by reinvesting most of the profit. She will use some of the money to repay her loan and make sure her children are well and receiving a good education.

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
  • 36
    View loans »
    Ghana Loans Fundraising
  • $11,958,450
    Funds lent in using Kiva
  • 1.5
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Efua to buy a larger quantity of palm fruits.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Dec 17, 2010
Jan 13, 2011
Currency Exchange Loss:
Jun 10, 2011