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Adwowa is a small scale baker who bakes bread and sells it in Wakrom (near Cape Coast). She has had some form of formal education as she is a primary graduate. She is married and has 6 children. Her husband is a farmer.

Adwowa has been working as a baker for close to 8 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 bread, thus allowing her to meet the rising customers demands.

She hopes to use the profits from her enterprise to fulfill her dream of buying a bread 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: ). 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
  • 41
    View loans »
    Ghana Loans Fundraising
  • $11,736,650
    Funds lent in using Kiva
  • 2.2
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Adwowa to purchase more bread, thus allowing her to meet the rising customers demands.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Aug 27, 2013
Oct 5, 2013
Currency Exchange Loss:
Jan 20, 2014