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Adjoa is a baker who bakes bread for sale. In the photo, she is tending to her oven, making sure it is the right temperature to bake bread. She has been in the baking business for 10 years now. Adjoa lives together with her husband and four children at Ayensudu, near Elmina.

Adjoa will use her loan to purchase flour, sugar and cooking oil for her bakery. With the new profits, she will buy a modern type of oven to make her work easier. With this new oven, she will not need to put so much effort into regulating the temperature.

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
  • 34
    View loans »
    Ghana Loans Fundraising
  • $11,960,950
    Funds lent in using Kiva
  • 1.9
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Adjoa to purchase flour, sugar and cooking oil for her bakery.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 29, 2012
Jul 13, 2012
Currency Exchange Loss:
Nov 21, 2012