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Etoile Du Matin Group
In this Group: Ritha, Louisanne, Josilia, Jeancelot, Margalie, Ginette, Manouchka, Joceline, Marie, Annalia
Ritha is the coordinator of the 'Etoile du Matin' group. She lives in the Siberie region of Haiti where electricity is rare and water is scarce.

Ritha has been running her business for the past 10 years. She would like to use this loan to invest in buying a range of products (clothing, cosmetics, shoes, ladies' accessories, etc).

The other members of this group need a loan for their businesses which include selling food and charcoal. Ritha says that her dream is to build a nice house.
View original language description ↓
Ritha est la coordinatrice de son groupe Etoile Du Matin. Elle habite dans la région de SIBERIE d’Haïti où de l’électricité est rare et de l’eau est très limitée.

Ritha a dirigé son commerce de produits alimentairess pendant les 10 dernières années. Ritha voudrait utiliser cet emprunt pour investir de produits divers (pour acheter des vêtements, cosmétiques, chaussures, accessoires pour les femmes, etc.)

Des autres membres Du groupe ont besoin d’un emprunt pour tels commerces comme vendre des produits alimentaires et du charbon. Ritha dit que son défi principal est manque d’acheteurs constants a cause du chômage. Ritha dit que son rêve est la construction d’une belle maison

Additional Information

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 Haiti

  • $1,300
    Average annual income
  • 1
    View loans »
    Haiti Loans Fundraising
  • $2,025,500
    Funds lent in using Kiva
  • 42.1
    Haiti Gourdes (HTG) = $1 USD

Success!! The loan was 100% repaid

A portion of Etoile Du Matin Group's $1,775 loan helped a member to buy clothing, cosmetics, shoes, etc.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 30, 2012
Dec 27, 2012
Currency Exchange Loss:
Jun 17, 2013