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Esi is married to a farmer. She uses her income to help her husband pay the general household expenses, as well as to save for a rainy day. Esi is a middle school graduate, and currently she sells charcoal, in her village of Nyame Bekyere (near Cape Coast). With over two years of experience in this trade, Esi sees an opportunity to expand her enterprise further. Nevertheless, she does not have the working capital necessary to increase her stock levels. Therefore, she will use her loan to buy more bags of charcoal to sell, indirectly helping her boost her overall sales. Esi wants to make her business self-sustainable, as soon as possible. As a result, she plans to channel the new profits from her expanded business back into her charcoal enterprise.

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
  • 26
    View loans »
    Ghana Loans Fundraising
  • $11,565,250
    Funds lent in using Kiva
  • 1.9
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Esi to buy more bags of charcoal to sell.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Mar 7, 2013
Mar 30, 2013
Currency Exchange Loss:
Aug 17, 2013