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Ghanaian artisan Samuel specializes in making hand-carved African masks and sculptures. He would like to invest in the purchase of quality wood and paints, and also to cover labor costs.

Samuel has been selling through NOVICA since 2000. This is his story:

"I used to work as a messenger in a bank, but I realized I could do much better things with my life so I decided to go into arts, especially carving. I did not really undergo any actual training, but started carving bit by bit and sometimes sought help from my other colleagues. Sometimes I assisted them too. Eventually I became very skilled in carving and I then decided to settle for full time carving and depend solely on my own ideas to carve. Now I have assistants and I also train other carvers."

"Thanks to all of you for taking part in this microcredit. You encourage me to continue with my craft."

Use the link below to view Samuel's hand-carved wood art 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
  • $12,527,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Samuel to invest in the purchase of quality wood and paints, and also to cover labor costs.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Mar 12, 2013
Feb 5, 2013
Currency Exchange Loss:
Oct 17, 2013