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Update on Julienne

A retailer of kitchen utensils and 'pagnes' (the colorful cloth of western Africa), Julienne has a 29-year-old child who is no longer in school. Julienne is 46 years old. She is taking out her second WAGES loan to purchase some kitchen utensils and 'pagne' cloth to resell to customers and to make a profit. Her purchases are made at the Grand Marché at and the Autonomous Port of Lomé. With the profits she will make from her sales, she wants to build a store in front of her house and take care of her family.
View original language description ↓
Revendeuse d’ustensiles de cuisine et de pagnes à domicile, Julienne a un enfant âgé de 29ans qui ne va plus à l’école. Elle est âgée de 46ans. Elle fait son second crédit à WAGES pour acheter des ustensiles de cuisine et des pagnes afin de revendre aux clients et tirer de bénéfice. Ses achats se font au Grand marché et au Port autonome de Lomé. Avec les profits qu’elle va tirer de ses ventes, elle veut construire une boutique devant sa maison et prendre soin de sa famille.

Previous Loan Details

Julienne sells kitchen utensils and pagnes (traditional cloths) from her home. Her husband is a nurse and she has a 28 year old child who no longer goes to school. She is 45 years old. She is requesting her first loan from the microfinance institution WAGES so that she can buy kitchen utensils an... More from Julienne's previous loan »

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!

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Togo

  • $1,500
    Average annual income
  • 3
    View loans »
    Togo Loans Fundraising
  • $8,854,875
    Funds lent in using Kiva
  • 489.9
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD