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Gifty
Gifty M. is married and has 2 children. Her husband works at the post office. Gifty has achieved a senior high level of education.


Gifty sells groceries like sugar, rice, biscuits, and soap at Santoadze near Elmina. She has been selling groceries since 2002. She is responsible for feeding her family and paying the utility bills.


Gifty will use her loan to buy more groceries to sell to her ever-increasing customer base. She plans to reinvest the new profits back into her grocery business so that she can increase sales and eventually increase her income.

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
  • 20
    View loans »
    Ghana Loans Fundraising
  • $11,220,300
    Funds lent in using Kiva
  • 1.2
    Ghana Cedis (GHS) = $1 USD