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Grace A. is married and has 4 dependents. She has received a junior high education. Her husband is a military officer.

Grace sells charcoal, which is a popular fuel for those who cannot afford to buy gas. She sells the charcoal at a place popularly called Air Force, near Shama. She has been selling charcoal since 1994. She is responsible for paying the family's utility bills and other expenses.

Grace will use her loan to buy more charcoal for sale, since demand for it is very high. She hopes to use the new profits from her business to support her children's education.

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
  • 1.2
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Grace to buy more charcoal for sale, since demand is very high.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Nov 24, 2008
Nov 22, 2008
Currency Exchange Loss:
Jul 15, 2009