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Ruth Z. is 39 years old, married, and the mother of four children. For years, she has been a hairdresser and retailer of hair extensions to her clientele in Assahoun, a village about 50 kilometers from the Togolese capital of Lomé. With this, her third loan, Ruth hopes to buy more beauty products and hair extensions in order to expand her business and thereby provide for her family.

Translated from French by Jonah Durning-Hammond, Kiva Volunteer.

Ruth Z. est âgée de 39 ans, mariée et mère de 4 enfants. Elle coiffeuse et revendeuse de mèches destinées à ses propres clientes depuis des années à Assahoun, un village situé à environ 50 kilomètres de Lomé, la capitale togolaise. Avec ce troisième crédit, madame Ruth désire acheter plus de produits de beauté et de mèches pour augmenter la capacité de son activité et par là subvenir aux besoins de sa famille.

Additional Information


FECECAV is a cooperative union registered in 1997. Its mission is to serve the financial needs of local people who have been excluded from the traditional financial system. It serves more than 50,000 members in the Plateau and Maritime regions of Togo. FECECAV is a not-for-profit organization.

About Togo

  • $1,500
    Average annual income
  • 11
    View loans »
    Togo Loans Fundraising
  • $9,000,575
    Funds lent in using Kiva
  • 412.2
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Ruth purchase of beauty products and hair extensions to expand business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 29, 2008
Aug 8, 2008
Currency Exchange Loss:
Sep 17, 2009