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Kossiwa Nicole

Mrs. Kossiwa Nicole A. was born in Lomé on 14 January 1970. She is married and has four children. To meet the needs of her family, she started a business selling pagne cloth and jewelry. She buys pagne cloth and jewelry at wholesale prices at the grand market in Lomé, and re-sells them in the district where she lives, Adidogomé.

Her clientele has grown, and to meet this increasing demand, she is asking for her first loan in order to enlarge her stock with 50 sets of pagne cloth and 10 sets of jewelry.

Translated from French by Vilas Menon, Kiva Volunteer



Madame A. Kossiwa Nicole est née à Lomé le 14 janvier 1970 à Lomé. Elle est mariée est mère de quatre enfants. Pour subvenir au besoin de sa famille, elle se lance dans le commerce de pagne et de bijoux. Elle achète des pagnes et des bijoux au prix du gros au grand marché de Lomé qu’elle revend dans son quartier de résidence Adidogomé.

Sa clientèle a grandi et pour faire face à cette demande croissante elle sollicite ce premier crédit pour accroître son stock de 50 pièces de pagnes et 10 bijoux.

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
  • 1
    View loans »
    Togo Loans Fundraising
  • $8,592,450
    Funds lent in using Kiva
  • 418.8
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD