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Maliyama S. manufactures palm kernel oil for sale. This type of oil is used for a variety of things, including the making of soap, at Abura. Maliyama has received no formal education. She is married and has 5 dependents; her husband is a farmer.

Maliyama has been manufacturing palm kernel oil for sale since 2000. She assists her husband in the paying of utility bills and the children's school fees. Her loan will be used to increase her capital to enable her buy more palm fruits for the production of the palm kernel oil on a larger scale. She hopes to use the new profits from her business to reinvest back into the business to increase her profit margin.

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
  • 34
    View loans »
    Ghana Loans Fundraising
  • $11,710,625
    Funds lent in using Kiva
  • 1.2
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Maliyama to buy more palm fruits for the production of the palm oil on a larger scale.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Dec 22, 2008
Dec 20, 2008
Currency Exchange Loss:
Aug 15, 2009