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Muniratu cooks food to sell at a village called Ayensudu near Elmina. Some of the foods she cooks are "banku" (fermented maize dough), "wakye" (beans and rice), and plain rice with tomato sauce, spicy black pepper, etc. Given the loan, she will acquire additional tomatoes, beans and rice to enable her to cook in large quantities for resale.

Munirato is presently living with four dependents and as a responsible parent she assists her spouse to provide the daily needs of her family. Any profit accruing from her increased income will be used to build a restaurant.

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
  • 35
    View loans »
    Ghana Loans Fundraising
  • $11,967,750
    Funds lent in using Kiva
  • 1.8
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Muniratu to acquire additional tomatoes, beans and rice to enable her to cook in large quantities for resale.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Apr 19, 2012
Apr 11, 2012
Currency Exchange Loss:
Sep 27, 2012