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Lydia lives together with the husband, who is a farmer, and 4 children at AdumBandu, near Takoradi. She operates the grocery shop in the picture above. She sells items like powdered milk, coffee, pepper, canned tomatoes, and canned fish. Lydia has been involved in this business for 4 years. She uses her income to assist her husband to pay their utility bills.

Her loan will be used to purchase groceries like milk, powdered milk, tomatoes, cooking oil, canned fish, and food items to satisfy her customers. She hopes to use the new profits to expand her business.

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
  • 33
    View loans »
    Ghana Loans Fundraising
  • $11,973,075
    Funds lent in using Kiva
  • 1.9
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Lydia purchase groceries like milk, powdered milk, tomatoes, cooking oil, canned fish, and other items.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Oct 3, 2012
Nov 6, 2012
Currency Exchange Loss:
May 18, 2013