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James is married and has 5 children. He has never received any basic schooling even though he wishes he had been to school. James sells locally made sandals in Hohoe market to make ends meet, which he has done for the past 11 years. His wife is a petty trader. James uses his income to pay for all the financial needs of his home and other close relatives. James will use the loan to purchase varieties of sandals and introduce the sales of male and children sandals as well. With the new profits from his expanded business, James intends to save the profit and give a better education to his children.

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
  • 34
    View loans »
    Ghana Loans Fundraising
  • $11,960,950
    Funds lent in using Kiva
  • 2.0
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped James to purchase varieties of sandals and introduce the sales of male and children sandals as well.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Mar 26, 2013
Apr 29, 2013
Currency Exchange Loss:
Aug 17, 2013