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Es Rayons De Bord-De-Mere Group
In this Group: Bertheleine, Annerose, Annerose*, Marieanne, Jodelin, Arry, Manouchecca, Iveline, Naderge, Petitfrere, Floricie*, Eugene, Mariecarmene, Yffonise*, Marcienne, Nadege, Inecia*, Frantzdy, Modeline, Delivrance, Oravien, Delivranciamilie, Manise*, Charitina, Mariella
* not pictured
Bertheleine is the coordinator of the Les Rayons de Borddemere group. She is a retail merchant. She lives in the Bord-de-Mere region of Haiti where electricity is scarce and water is very limited. Bertheleine has been running her business selling various products for the past 12 years.

Before starting this business Bertheleine was a seamstress. She wants to use this loan to invest in various products. She hopes that this loan will help her expand her food products business.

Other active group members need a loan for retail businesses such as charcoal, clothing, shoes among others. Bertheleine said that her main challenge is to become a great retail merchant. She says her main goal and dream is to own a large business with her own funds and by the grace of God.
View original language description ↓
Bertheleine est la coordonnatrice de son groupe Les Rayons de Borddemere. Elle es une commercante. Elle habite dans la région Bord-de-Mere d’Haïti où de l’électricité est rare et de l’eau est très limité. Bertheleine a dirigé son commerce de Produit Divers pendant 12 années.

Avant de commencer ce commerce Bertheleine était un couturiere. elle voudrait utiliser cet emprunt pour investir dans le produit divers. Elle espère que cet emprunt l’aidera à agrandir son business de Produit Alimentaire.

Des autres membres militant ont besoin d’un emprunt pour tels commerces comme charbon, vetement, chaussures, entre autre. Bertheleine dit que les défis principal c'est devenus une grande commerçante. Elle dit que son but principal et son rêve c'est possède un gros business avec son fond et par la grâce de Dieu.

Additional Information

More information about this loan

This loan is designed for a borrower or group of borrowers in Haiti. Esperanza is one of the few MFIs currently working in the northeast region of the country. Through lending, the organization aims to stimulate economic growth and opportunity in a country that has suffered debilitating crises, including political instability, natural disasters and poverty. Esperanza lends primarily to groups of women who cross-guarantee each other's loans. They also receive financial literacy courses and health services. 

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
  • 0
    View loans »
    Haiti Loans Fundraising
  • $1,960,675
    Funds lent in using Kiva
  • 43.4
    Haiti Gourdes (HTG) = $1 USD

Success!! The loan was 100% repaid

A portion of Es Rayons De Bord-De-Mere Group's $5,525 loan helped a member buy various items such as shoes, cosmetics, etc.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 31, 2013
Aug 28, 2013
Currency Exchange Loss:
Feb 21, 2014