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Joyce
Joyce is a small-scale "gari" seller. Gari is a traditional Ghanaian snack that is made from starched powdered cassava and rice. She primarily sells her gari in Nakwa (near Cape Coast). She has had some form of formal education, as she is a junior high school graduate. She is married and has six children. Her husband is a fisherman.

Joyce has been preparing and selling gari for close to two years. Her income is used to help her husband pay the utility bills and their children’s school fees. She plans on using her loan to purchase an increased quantity of cassava, thus allowing her to meet rising customer demand. She hopes to use the profits from her enterprise to fulfill her dream of mounting a gari stand, hence helping her sell from a fixed location in the future.

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: http://www.kiva.org/partners/91 ). 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

  • $2,643
    Average annual income
  • 30
    View loans »
    Ghana Loans Fundraising
  • $11,015,925
    Funds lent in using Kiva
  • 2.2
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $200 helped Joyce to purchase an increased quantity of cassava, thus allowing her to meet rising customer demand.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 19, 2013
Listed
Sep 24, 2013
Currency Exchange Loss:
Possible
Ended:
Dec 17, 2013