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Even though Emmanuel grew up in poverty without an education, this has not stopped him from fulfilling his dream of achieving a better life for himself and his family. Currently, Emmanuel is an entrepreneur. He sells sugarcane and works as a driver in Ekumfi-Twa (near Cape Coast). His business enterprises have grown substantially since he began seven years ago. He uses the income from his businesses to help his wife raise their two children. Emmanuel has identified that there are growing demands among consumers for his product and services. Nevertheless he is unable to meet their needs due to limited inventory capacity. Thus he aims to use his loan to purchase more sugarcane to sell as well as more fuel for his car. With the new profits from his expanded business, Emmanuel wants to buck the trend by ensuring that all his children will be given the opportunity to further distance their family from poverty.

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
  • 22
    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 $275 helped Emmanuel to purchase more sugarcane to sell as well as more fuel for his car.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Mar 27, 2013
Apr 13, 2013
Currency Exchange Loss:
Aug 17, 2013