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Torsu Juliana, a married mother of four, has been a food vendor in Likpe Bakua, Hohoe for the past year. She started her doughnut business when she realized her husband, a farmer, needed extra income and their children's schooling was becoming a problem.

Juliana, who uses her income to feed the family, has requested this loan to purchase bags of flour, a gallon of oil, and sugar to make fried doughnuts to sell in her locality. She plans to use the new profits arising from her expanded business to introduce the sale of other pastries.

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
  • $11,710,625
    Funds lent in using Kiva
  • 2.0
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Juliana to purchase bags of flour, a gallon of oil, and sugar to make fried doughnuts to sell in her locality.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Apr 2, 2013
May 5, 2013
Currency Exchange Loss:
Oct 19, 2013