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Joyce
Joyce sells cement at Ankyeryim near Takoradi which she has done for 20 years. She is married with seven dependents. She uses her income to assist her husband in the general upkeep of their home. Joyce will use her loan to purchase more bags of cement to sell. With the new profit she will expand her cement 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: 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

  • $2,643
    Average annual income
  • 8
    View loans »
    Ghana Loans Fundraising
  • $10,839,425
    Funds lent in using Kiva
  • 1.9
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Joyce to purchase more bags of cement to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 31, 2012
Listed
Jan 30, 2013
Currency Exchange Loss:
Possible
Ended:
Aug 19, 2013