Yawo is 49 years old and married to a retailer. He has five children, of whom three attend school. The oldest is 12 and the youngest two months old.
Yawo has been working as a gardener and retailer since 2001. He sells fertilizer to all comers at his garden. He buys his goods in Lomé. At the moment his principal difficulty is running out of stock.
Yawo has requested his second loan from WAGES in order to buy fertilizer and seeds to sow. He wants to reinvest in his business. In the coming years, Yawo would like to grow his business and also the size of his garden. He says that with the profit, he intends to take care of his family.
Yawo est un homme âgé de 49 ans. Il est marié å une revendeuse. Il a 5 enfants, dont 3 à l’école. Le premier a 12 ans et le dernier a 02mois. Yawo travaille comme jardinier revendeur depuis 2001. Il vend des engrais pour tous clients dans son jardin. Il achète les produits à Lomé. Au moment, sa difficulté principale est la rupture de stock. Yawo a requis son second crédit de WAGES afin d’acheter des engrais, des graines à semer. Il veut réinvestir dans l’activité. Dans les prochaines années, Yawo voudrait agrandir son commerce et la taille de son jardin. Il dit qu’avec les profits, il prévoit de prendre soin de sa famille.
Previous Loan Details
Yawo is a 48-year-old man, married to a retailer. He has four children, three of whom attend school. The eldest is eleven years old and the youngest is one.
Yawo has been working as a retail gardener since 2001. He sells fertilizer to all comers in his garden. He buys his products in Lome and ...
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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.