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Naomi T. has been selling bags, towels and rubbers and other items at Agona, near Elmina since 1985.

Naomi is married with two children and has received a junior high education. Her husband works as a lecturer. She is responsible for supporting her husband in paying rent, utility bills and other basic expenses of the family.

Her loan will be used to increase her sales to meet the increase in demand by her costumers. She hopes to use the new profits from her business to reinvest, with the goal of expanding her trade.

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
  • 35
    View loans »
    Ghana Loans Fundraising
  • $11,958,450
    Funds lent in using Kiva
  • 1.4
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Naomi buy bags, towels and other items to sell.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Mar 27, 2009
Mar 24, 2009
Currency Exchange Loss:
Dec 24, 2009