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Millicent is an artisan who specializes in beaded jewelry. She would like to buy terracotta beads, agates and other kinds of beads for her jewelry.

Millicent has been selling through NOVICA since early 2012. This is her story:

"I come from a family with a long tradition of bead-making. I loved to sit at my grandmother's feet, watching her thread the old heirloom family beads passed on for more than eight generations. She'd hold out the strands when she was done, saying, 'My dear granddaughter, come and try it on.' They were always beautifully made. In 1994, I started designing and crafting bead accessories. It gives me great pleasure when I see my jewelry worn and appreciated."

"I appreciate your assistance. Thank you so much! May God bless you."

Use the link below to view Millicent's beaded jewelry on the NOVICA site:

Additional Information

Important information about Novica

Novica is an e-commerce website that allows artisans around the world to sell unique, high-quality goods directly to consumers. It also offers small loans to help artisans in the developing world start and grow their businesses. It’s possible to buy goods created by the artisans you help fund on the Novica website.

Repayments on Novica loans are tied to artisan revenue. This means that if an artisan has a good month, they will pay back more -- or less during slower months. To accommodate this, all repayments on this loan are due at the end of the loan term. Any repayments received before this deadline will be considered pre-payments, but will still be distributed to lenders as usual.

Because Novica is not a microfinance institution, Kiva’s risk rating system is not applicable. Kiva has conducted onsite due diligence, and Kiva’s Investment Committee approved the organization as a partner. Novica offers artisans loans at 0% interest.

About Ghana

  • $3,500
    Average annual income
  • 42
    View loans »
    Ghana Loans Fundraising
  • $11,732,750
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $200 helped Millicent to purchase an assortment of beads for her jewelry.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Nov 6, 2012
Oct 11, 2012
Currency Exchange Loss:
Jul 1, 2013