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Perpetual is an itinerant petty trader at Asebu near Cape Coast. She sells ladies' and children's dresses, underwear, jeans and shoes, which she has done for 2 years now. She is married and her husband is a farmer. She uses her income to help her husband to pay their utility and accommodation bill.

Perpertual will use her loan to purchase more ladies' and children's dresses, jeans and shoes to sell. With the new profit from her expanded business Perpetual wishes to acquire a shop to sell her goods out of.

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
  • 38
    View loans »
    Ghana Loans Fundraising
  • $11,588,250
    Funds lent in using Kiva
  • 1.9
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Perpetual to purchase more ladies' and children's dresses, jeans and shoes to sell.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
May 2, 2012
May 24, 2012
Currency Exchange Loss:
Sep 16, 2012