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Benjamin S. is married and has 2 children. He has received senior high education. Benjamin sells phone credit cards and does 'unit transfer'. He also sells art work such as beads and also owns a grocery store at Pedu in Cape Coast, which he has done since 2005.

Benjamin S.'s wife is a businesswoman. Benjamin uses his income to pay for rent and utility bills and also for his children's school fees. Benjamin will use the loan to add to his capital to increase his stock for re-sale. With the new profits from his expanded business, Benjamin plans to reinvest for the expansion of the business.

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
  • 36
    View loans »
    Ghana Loans Fundraising
  • $11,958,450
    Funds lent in using Kiva
  • 1.1
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Benjamin to add to his capital to increase stock for re-sale.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Oct 6, 2008
Sep 22, 2008
Currency Exchange Loss:
Jun 15, 2009