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Noklouman Group
In this Group: Maria, Mariama, Tayebatou, Tchilalo, Amietou, Djamilo, Abatani, Irène, Mounira
Maria is 51 years old. She is married to a farmer and they have five children in their care. Only the oldest two go to school. Maria works as a farmer, like her husband, but she essentially grows maize and beans.

She got involved in agriculture in 1998 and five people assist her with her farming duties.

This is Maria's first loan with WAGES. This loan will help her to buy working tools.

With the additional profits that she will generate, she plans to save and increase the surface area of her arable land.

Maria is the leader of the NOKLOUMAN group, which consists of women who are all involved in the cultivation of maize and rice.
View original language description ↓
Madame maria est âgée de 51ans. Elle a pour mari un cultivateur et ils ont 05 enfants en charge. Les deux premiers seuls sont scolarisés. Elle exerce la même activité que son conjoint et elle est plus basée dans la culture du mais et du haricot. C’est en 1998 qu’elle a démarré l’activité et 05 personnes l’aident dans l'exécution de ses tâches. Elle est à son premier crédit de WAGES et ce prêt lui servira d’acheter des outils de travail. Avec les profits supplémentaires, elle veut épargner et augmenter sa superficie cultivable. Elle est la responsable du groupement nommée NOKLOUMAN constitué de femmes qui sont toutes dans la culture du mais et du riz.

Additional Information

More information about this loan

This loan is part of a special WAGES program for groups of Togolese farmers and livestock breeders, offering financing at a lower interest rate in addition to relevant training. The reduced interest rate is designed to hit a sweet spot, empowering clients in rural Togo to capture significant, impactful profits and become more financially stable after three credit cycles. WAGES is working with the Togolese government, Veterinarians Without Borders and the African Institute for Economic and Social Development to make this program possible. By supporting this loan, you're extending opportunity in a country where 70% of the population works in agriculture but financing options remain scarce.

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!

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Togo

  • $1,500
    Average annual income
  • 2
    View loans »
    Togo Loans Fundraising
  • $8,894,800
    Funds lent in using Kiva
  • 506.1
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD