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Morin Bernard
This customer is 35 years old, married, and a father of four children between the ages of two and eight.
In 2009, after losing his job, he ventured into pastry-making to provide for his family. To open the business, he purchased an artisan oven, cake and bun pans, flour and flavorings. His potential clients are schoolchildren, middle and high-school students, and the market's salespeople. His daily sales vary between 7,500 and 50,000 XAF.
When the loan is granted, he will purchase two 50-kilo bags of flour, 50 liters of peanut oil, a 50-kilo bag of sugar, baking powder and yeast, salt, 50 kilos of margarine, and a 50-liter container of milk.
In the long run, he wants to open a modern pastry shop, to modernize his equipment and to open a tea room. With the profits, he will take care of his family.
View original language description ↓

Client de 35 ans, marie et pere de 4 enfant dont l'age varie entre 2 et 8 ans.En 2009 ayant perdu son emploi, il se lance dans la patisserie pour subvenir au besoin de sa famille.Il avait achete un four artisanal, des moules a cake et brioches , de la farine et des condiments pour l'ouverture.
Ses potentiels clients sont les eleves,les collegiens et lyceens et les vendeurs du marche.
Ses ventes sont de 7500 a 50.000 frs par jour.

A l'octroi de son pret il va acheter 2 sacs de farine de 50 kg,50 l d'huile d'arachide,sac de 50kg de sucre, de la levure chimique et levure patissiere , du sel, 50kg de margarine et un sac de 50kg de lait.

A la longue , il veut ouvrir une patisserie moderne ,moderniser ses equipements et ouvrir un salon de the et avec ses benefices , il prendra soins de sa famille.

Additional Information

Important Information

About HOPE Congo S.A.: HOPE Congo S.A. is a start-up microfinance institution located in Brazzaville, Republic of the Congo. As of 2009, the Republic of the Congo was the 136th-ranked country in the United Nations Development Programme’s Human Development Index. The average life expectancy is in the low 50s and food insecurity poses a constant threat to ordinary people’s well-being. Through the creation of community banks, HOPE Congo provides credit, savings, and training for entrepreneurs in Brazzaville. With their services, they aim to nourish a culture of saving and an independent community of responsible and self-sustaining entrepreneurs.

About Congo (Rep.)

  • $6,600
    Average annual income
  • 0
    View loans »
    Congo (Rep.) Loans Fundraising
  • $2,281,600
    Funds lent in using Kiva
  • 462.5
    Communauté Financière Africaine Francs BEAC (XAF) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Morin Bernard to buy two bags of flour, 50 kilos of sugar, 25 kilos of margarine, salt, sugar and 50 liters of peanut oil.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jul 14, 2011
Aug 9, 2011
Currency Exchange Loss:
Dec 17, 2011