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Joyce
Joyce is married and has four children. She has no schooling. Joyce sells provisions and mineral drinks at Wegbe, Hohoe, Ghana, as she has done for six years. Her husband is a businessman. Joyce uses her income to pay utility bills for the home. Joyce will use the loan to purchase more mineral drinks, soap, and canned tomatoes. Joyce plans to save the new profits from her expanded business and use the savings for expansion work at her shop.

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: http://www.kiva.org/partners/91 ). 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
  • 37
    View loans »
    Ghana Loans Fundraising
  • $11,603,250
    Funds lent in using Kiva
  • 1.9
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Joyce to purchase more mineral drinks, soap, and canned tomatoes to sell in her store.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 21, 2012
Listed
Dec 23, 2012
Currency Exchange Loss:
Possible
Ended:
May 18, 2013