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Patience S. is married and has 1 child. She has received schooling through junior high. Patience sells used clothing at Elmina, which she started not too long ago. Her husband is a commercial driver. Patience uses her income to pay for housekeeping expenses since her husband takes care of the family's financial needs.

Patience will use the loan as additional capital to enable her increase the sale of used clothing to meet the increase in demand by her custumers. With the new profits from her expanded business, Patience plans to develop a plot of land which she bought with her husband to put up their family house.

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
  • $11,967,750
    Funds lent in using Kiva
  • 1.4
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Patience increase the sale of used clothing to meet the increase in demand by her costumers.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Jan 29, 2009
Feb 15, 2009
Currency Exchange Loss:
Dec 24, 2009