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Frank is a wood-carver from Ghana who specializes in African masks and sculptures. He would like to invest in the purchase of raw materials such as wood, aluminum plate, sandpaper, paints and brushes.

Frank has been selling through NOVICA since 2005. This is his story:

"I have exhibited my work in the United States and in Germany. I used to assist a master carver at his workshop and I used to ask him so many questions! His answer was always the same: 'Just learn – this is a good skill to have.' I now have apprentices under my care. I think I have a sense of intuition with this art, and whenever it comes, I take advantage of it and put it to work.

"I thank the sponsors for their support and for this microcredit. I pray that they keep on with this initiative, which they are offering to some of us."

Use the link below to view Frank's wood sculptures and African masks on the NOVICA site:

Additional Information

Important information about Novica

Novica is an e-commerce website that allows artisans around the world to sell unique, high-quality goods directly to consumers. It also offers small loans to help artisans in the developing world start and grow their businesses. It’s possible to buy goods created by the artisans you help fund on the Novica website.

Repayments on Novica loans are tied to artisan revenue. This means that if an artisan has a good month, they will pay back more -- or less during slower months. To accommodate this, all repayments on this loan are due at the end of the loan term. Any repayments received before this deadline will be considered pre-payments, but will still be distributed to lenders as usual.

Because Novica is not a microfinance institution, Kiva’s risk rating system is not applicable. Kiva has conducted onsite due diligence, and Kiva’s Investment Committee approved the organization as a partner. Novica offers artisans loans at 0% interest.

About Ghana

  • $3,500
    Average annual income
  • 22
    View loans »
    Ghana Loans Fundraising
  • $11,565,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Frank to purchase raw materials such as wood, aluminum plate, sandpaper, paints and brushes.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jun 6, 2013
May 6, 2013
Currency Exchange Loss:
Jan 17, 2014