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Margaret operates the grocery shop shown in the picture above. She sells groceries and household items like tissue paper, sanitary towel, diapers, powdered milk, toffees, biscuits, and more at Cape Coast. She is married and has 4 children. Margaret has been in this business for some years now. She uses her income to assist her husband in paying their utility bills. Her loan will be used to buy milk, powdered milk, canned tomatoes, cooking oil, canned fish, and other varieties of groceries to satisfy her customers' demands. 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
  • 32
    View loans »
    Ghana Loans Fundraising
  • $11,960,100
    Funds lent in using Kiva
  • 1.9
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Margaret buy groceries to satisfy her customers' demands.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 9, 2012
Nov 22, 2012
Currency Exchange Loss:
Jul 17, 2013