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Femmes Vertueuses 1 Group
In this Group: Sthela Kevine, Pauline, Marina, Francoise, Hortense, Hardy, Nadege, Angelique
Sthela, age 39, is married with 4 children, ages 4 to 19 years. All 4 of her children are attending school. She also provides for her niece. She is representing the Femmes Vertueuses 1. Sthela is an ice cream maker in a local market. She makes the ice cream and sells it daily. She has had this business for 3 years. Sthela also has a side business where she sells clothes, sandals and toys. She is selling toys only for the Christmas season. She will use the loan to buy milk and sugar for her ice cream, and clothes, sandals and toys for her other business. Her business strategy is to be friendly and helpful to customers. She also provides chairs for those who buy ice cream from her. Sthela has received 2 previous loans from HOPE Congo, Kiva's partner. She has a good repayment record. She hopes to make a lot of money one day so that she can help her family and friends with their needs.

Additional Information

Important Information

About HOPE Congo S.A.: HOPE Congo S.A. is a start-up microfinance institution located in Brazzaville, Republic of the Congo. As of 2009, the Republic of the Congo was the 136th-ranked country in the United Nations Development Programme’s Human Development Index. The average life expectancy is in the low 50s and food insecurity poses a constant threat to ordinary people’s well-being. Through the creation of community banks, HOPE Congo provides credit, savings, and training for entrepreneurs in Brazzaville. With their services, they aim to nourish a culture of saving and an independent community of responsible and self-sustaining entrepreneurs.

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 Congo (Rep.)

  • $6,600
    Average annual income
  • 0
    View loans »
    Congo (Rep.) Loans Fundraising
  • $2,281,600
    Funds lent in using Kiva
  • 496.9
    Communauté Financière Africaine Francs BEAC (XAF) = $1 USD

Success!! The loan was 100% repaid

A portion of Femmes Vertueuses 1 Group's $5,650 loan helped a member to pay for milk, sugar, clothes, toys and sandals.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Dec 11, 2012
Jan 1, 2013
Currency Exchange Loss:
May 17, 2013