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Justine F. got married to a teacher with whom she had three children. She also looks after a little brother and three sisters, who are in apprenticeships. Her husband’s salary cannot cover the bills, so she is compelled to help him with income from selling ice water and fruit juice. She has had this business, which she names «Espérance» (Hope), for five years and has been doing well in it. She is a very disciplined woman with regards to management and has proven to be honest and trustworthy by successfully repaying an initial loan of $250 without a problem.

She is requesting another loan, in the amount of $550, which will allow her to acquire sugar, fruit, and other ingredients for making juice and ice water. The success of her plans will augment her production and therefore increase her income for the welfare of her family.

Translated from French by Daniel Kuey, Kiva Volunteer

Madame F. Justine s’est mariée à un enseignant avec qui elle a trois (03) enfants et a à sa charge 1 petit frère et 3 sœurs en apprentissage. Le salaire de son mari ne pouvant pas couvrir les charges, elle est dans l’obligation de contribuer en aidant son mari avec les revenus de vente d’eau glacée et du jus de fruit. Cela fait 5 ans qu’elle exerce ce commerce qu’elle maîtrise assez bien. Elle est femme très rigoureuse en matière de gestion et a fait preuve de femme d’honnêteté et de confiance à travers son premier crédit de $250 obtenu et régulièrement remboursé sans incident.

Elle sollicite un second crédit de $550 qui va lui permettre de s’acheter du sucre, fruits, et autres matières qui entrent dans la fabrication du jus et de l’eau glacée. La réalisation de projet augmentera sa production et de facto accroîtra ses revenus pour le mieux-être de sa famille.

About Togo

  • $1,500
    Average annual income
  • 5
    View loans »
    Togo Loans Fundraising
  • $9,031,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $550 helped Justine to buy sugar and fruit to make fruit juice and to sell ice water.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Feb 10, 2007
Jan 26, 2007
Currency Exchange Loss:
Nov 29, 2007