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Gifty is single but has one child. She has received schooling through to junior high school.

Gifty operates a beauty salon at Akpafu, Hohoe. She has done this job for the past 7 years. Gifty uses her income to pay for her only child's upbringing and cater to her younger siblings.

Gifty will use the loan to purchase hair relaxers, pomade, hair spray, and more rollers, since her customers have increased. With the new profits from her expanded business, Gifty intended to introduce the selling of cosmetics.

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
  • 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 $275 helped Gifty to purchase hair relaxers, pomade, hair spray, and more rollers.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Nov 24, 2012
Jan 1, 2013
Currency Exchange Loss:
May 18, 2013