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Perpetual is a petty trader; she trades in ladies' accessories, like earrings and necklaces, in Ankaful, near Abura. She has been in this business for 4 years now. Perpetual is a widow and has 2 children. As a single parent, she uses her income to feed, cloth, and pay for her children’s school fees. Perpetual needs this loan to purchase a variety of ladies' accessories to increase her sales. With the new profits, Perpetual will 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
  • $11,973,075
    Funds lent in using Kiva
  • 1.9
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Perpetual to purchase a variety of ladies' accessories to increase sales.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Dec 21, 2012
Jan 16, 2013
Currency Exchange Loss:
May 18, 2013