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Joyceline operates a chop bar (a small restaurant on the side of the road) in Emissa Krom, near Cape Coast. She has received no formal education. She is divorced and has four children. Joyceline has owned her chop bar for quite a few years. She is responsible for taking care of her children (feeding/clothing them, paying their school fees, etc.), as well as taking care of herself. She also pays for other household expenses such as utility bills. Her loan will be used to buy ingredients in bulk for the dishes she makes at her chop bar. She hopes to use the new profits from her business to continue to care for herself and her children.

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
  • $11,967,750
    Funds lent in using Kiva
  • 1.9
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Joyceline to buy ingredients in bulk for the dishes she makes to sell at her small roadside restaurant (chop bar).
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Nov 5, 2012
Dec 3, 2012
Currency Exchange Loss:
Mar 15, 2013