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James B.
James B. A. is married and has 2 children; they live in Elmina. He has received schooling through first degree level. James is a chemical seller but a teacher by profession. His monthly income as a teacher is not enough to meet the family's financial needs so he had to engage himself in the selling of chemicals after teaching to earn additional income, which he has done since 2002. His wife is a merchant.

James uses his income to pay for the children's school fees and utility bills. James will use the loan to add to his capital to increase the chemicals at the store to meet his ever-increasing customers' needs. With the new profits from his expanded business, James plans to pay for his children's schooling.

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
  • 44
    View loans »
    Ghana Loans Fundraising
  • $11,732,750
    Funds lent in using Kiva
  • 1.2
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped James B. to add to his working capital to increase the chemicals at the store.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Sep 30, 2008
Sep 16, 2008
Currency Exchange Loss:
May 15, 2009