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Adjo Bernadette
Adjo Bernadette is a 41-year-old woman who is married to a driver. She has three children, of whom two are in school. The first-born is 20 years old, and the last is 7. Adjo Bernadette has been working as a retailer grocer since 2002. She makes her sales out of a store. She buys the goods in Lomé, the capital of Togo. At the moment, her main difficulties are a drop in sales and theft.

Adjo Bernadette has requested her first loan cycle at WAGES to buy some grocery items. She wants to save her extra profits. In the next few years, she would like to open a large store. With the profits, she says she plans to improve her family’s living conditions.
View original language description ↓
Adjo Bernadette est une femme âgé(e) de 41 ans. Elle est mariée å un chauffeur. Elle a 03enfants, dont 02 à l’école. Le premier a 20 ans et le dernier a 07 ans.
Adjo Bernadette travaille comme revendeuse de produits d’alimentation générale depuis 2002. Elle vend à ses clients dans une boutique. Elle achète les produits à Lomé. Au moment, sa difficulté principale est de la mévente et le vol.
Adjo Bernadette a requis son premier cycle de prêt à WAGES afin d’acheter des produits d’alimentation générale. Elle veut épargner les profits supplémentaires.
Dans les prochaines années, Adjo Bernadette voudrait ouvrir une grande boutique. Elle dit qu’avec les profits, Elle prévoit améliorer les conditions de vie de la famille.

Additional Information

About Women and Associations for Gain both Economic and Social

This loan is administered by Women and Associations for Gain both Economic and Social (WAGES), Togo’s second-largest microfinance institution. Along with a wide range of savings and loan products, WAGES offers its clients training programs in basic literacy, health care (HIV/AIDS and malaria), and business-related subjects (business management, marketing, accounting). You can show your support for WAGES by joining its lending team!

About Togo

  • $1,700
    Average annual income
  • 3
    View loans »
    Togo Loans Fundraising
  • $8,706,700
    Funds lent in using Kiva
  • 473.6
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Adjo Bernadette to buy grocery items.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 26, 2011
Oct 1, 2011
Currency Exchange Loss:
Jun 15, 2012