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Florence F. sells clothing and cosmetics at Ankaful near Elmina. Florence has received junior high education. She is married and has 1 child. Her husband works in arts and crafts. Florence has been selling clothing and cosmetics since 2006. She is responsible for helping her husband pay rent, utility bills, and other basic expenses of the family.

Her loan will be used as additional capital to enable her to buy more clothing and cosmetics for re-sale. She hopes to use the new profits from her business to reinvest back into the business to increase her profit margin so as to meet the financial needs of her family.

The items she has in hand are samples of the kind of goods she sells.

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
  • 39
    View loans »
    Ghana Loans Fundraising
  • $11,582,250
    Funds lent in using Kiva
  • 1.3
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Florence additional capital to enable her to buy goods for re-sale.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Dec 29, 2008
Jan 18, 2009
Currency Exchange Loss:
Aug 15, 2009