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Francis specializes in wood carvings, and also works with leather. He would like to stock up on raw materials for use at his workshop.

Francis has been selling through NOVICA since 2003. This is his story:

Francis comes from a family of traditional wood carvers. "While at school, funding was becoming a difficulty, so during weekends and vacations I would visit my father's workshop and assist him by carving some products for sale. The realization eventually dawned on me to stay on, work on my own designs, and display my own woodcarvings. I opened a new workshop, which my sister and a cousin manage, and together we preserve the family legacy."

"I want to thank you all for your support. Your generous assistance enables us to produce the best art works for customers around the world."

Use the link below to view Francis' carvings and leather crafts on the NOVICA site:

Additional Information

Important information about Novica

Novica is an e-commerce website that allows artisans around the world to sell unique, high-quality goods directly to consumers. It also offers small loans to help artisans in the developing world start and grow their businesses. It’s possible to buy goods created by the artisans you help fund on the Novica website.

Repayments on Novica loans are tied to artisan revenue. This means that if an artisan has a good month, they will pay back more -- or less during slower months. To accommodate this, all repayments on this loan are due at the end of the loan term. Any repayments received before this deadline will be considered pre-payments, but will still be distributed to lenders as usual.

Because Novica is not a microfinance institution, Kiva’s risk rating system is not applicable. Kiva has conducted onsite due diligence, and Kiva’s Investment Committee approved the organization as a partner. Novica offers artisans loans at 0% interest.

About Ghana

  • $3,500
    Average annual income
  • 32
    View loans »
    Ghana Loans Fundraising
  • $12,634,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Francis to purchase raw materials.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
At end of term
Aug 3, 2012
Jun 30, 2012
Currency Exchange Loss:
Jan 19, 2013