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Patience O. is a 29-year-old single mother who supports her 2 young children. She is a trader who sells children’s clothing at the local market. Currently, she fills her basket with clothes and heads off to the market to sell her products to local customers, but she would one day like to have her own shop in which to sell her clothes. She is requesting $325 to buy children’s clothing, such as dresses, jeans and shirts. In addition, Patience is also a member of a lending group called “Everlasting Grace Association” which consists of 14 women in Cape Coast, Ghana.

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
  • $11,736,650
    Funds lent in using Kiva
  • 1.0
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Patience to buy children’s clothing, such as dresses, jeans and shirts.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Feb 27, 2008
Feb 13, 2008
Currency Exchange Loss:
Sep 25, 2008