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Yao Novinyo
Yao Novinyo E., age 42, is a disabled man who is married and the father of two children, both of whom are in school. He has difficulty meeting the needs of his family since he lacks the necessary fund to finance his business despite strong customer demand. With this loan, he wishes to acquire 10 cartons of wine, 8 cartons of whiskey, and 3 cartons of gin to meet the demand and to earn more in support of his family.

Translated from French by Dan Kuey, Kiva volunteer.

Monsieur Yao Novinyo E. est un handicapé âgé de 42 ans marié et père de 02 enfants tous à l’école. Il subvient difficilement aux besoins de sa famille puisqu’il ne dispose pas de fonds nécessaire pour financer son activité malgré la forte demande. Il désire avec ce crédit acquérir 10 cartons de vins, 08 cartons de whisky et 03 cartons de gin pour répondre à la demande et gagner plus pour supporter sa famille.

Additional Information


FECECAV is a cooperative union registered in 1997. Its mission is to serve the financial needs of local people who have been excluded from the traditional financial system. It serves more than 50,000 members in the Plateau and Maritime regions of Togo. FECECAV is a not-for-profit organization.

About Togo

  • $1,500
    Average annual income
  • 13
    View loans »
    Togo Loans Fundraising
  • $8,894,800
    Funds lent in using Kiva
  • 443.2
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Yao Novinyo to buy 10 cartons of wine, 8 cartons of whiskey, and 3 cartons of gin.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 2, 2008
Jan 18, 2008
Currency Exchange Loss:
Feb 15, 2009