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Joyce
Joyce K. is married and has 3 children. She has received schooling through Senior High. Joyce sells baby dresses and cooking utensils at Abura, which she has done for over 5 years. Her husband is a commercial driver.


Joyce uses her income to help take care of the family's financial needs. Joyce will use the loan to purchase baby dresses and cooking utensils for sale. With the new profits from her expanded business, Joyce plans to reinvest to expand the business further.

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

  • $3,500
    Average annual income
  • 44
    View loans »
    Ghana Loans Fundraising
  • $11,470,775
    Funds lent in using Kiva
  • 1.2
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $875 helped Joyce purchase baby dresses and cooking utensils for re-sale.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Monthly
Disbursed:
Sep 12, 2008
Listed
Aug 29, 2008
Currency Exchange Loss:
Covered
Ended:
May 15, 2009