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Ella Flore Charby
Ella Flore Charby, age 39, is divorced and the mother of three children, aged 6 to 21. Lacking support to pursue her university studies, she started retailing food products six years ago. Her sales are very high : on average, she collects XOF 30'000 to 80'000 (ca US$ 60 to 160) every day.

She will use her loan to bolster her stock by buying 40 handbags. She takes good care of her customers and has a good reputation at the market. She gets her supplies from other providers in the city. With her profits, she wants to put money away to in the end open a clothing store. She's a good mother and she's thinking about purchasing a lot to build a house.
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Cliente âgé de 39 ans, divorcé et mère de trois (3) enfants dont l’âge varie entre 21 ans et 06 ans. N’ayant pas de soutient pour poursuivre ses universitaires, elle se lance dans le commerce en détail des produits alimentaires depuis 6 ans.
Ses ventes sont considérables ; elle encaisse en moyenne 30 000 à 80 000 F par jour. A l’octroie de se prêt ; elle va renforcer le stock de sa marchandise en achetant 40 sacs à main.
Avec un bon accueil des clients, la cliente à une bonne réputation dans le marché ; elle s’approvisionne auprès des autres fournisseurs de la place
Avec les bénéfices de ses ventes, elle pense épargner et à la longue pour ouvrir une boutique d’habillement. Comme une bonne mère de famille, elle pense acheté un terrain et y construire.

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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.

Please note that this Field Partner does not meet all of the minimum criteria for partnership with Kiva. HOPE Congo is a start-up MFI that is being fully backed by the HOPE International with an institutional guarantee. Because Kiva lenders are fully protected against institutional failure by the guarantee agreement, Kiva felt it was appropriate to override our minimum criteria in order to access this new market.

About Congo (Rep.)

  • $2,250
    Average annual income
  • 0
    View loans »
    Congo (Rep.) Loans Fundraising
  • $2,177,650
    Funds lent in using Kiva
  • 459.9
    Communauté Financière Africaine Francs BEAC (XAF) = $1 USD