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Zemstaaba Group
In this Group: Bernadette, Asseta, Mamouna

Update on Zemstaaba Group

Bernadette represents the Zemstaaba group. She is doing well. She is married and the mother of 2 children. The eldest is 20 years old and the youngest, 7. Both of them go to school.

Bernadette has been running a shop for 8 years. She gets her supplies in a large shop in town. Her customers are men and women who live in her area. She would like to buy a can of oil, 2 boxes of soap and 2 bags of rice for resale. She saves her profits in order to strengthen her business. Her goal is to expand her business activities and improve her family's living conditions.
Mme BERNADETTE représente le groupe ZEMSTAABA. Elle se porte bien. Mariée, elle est mère de 02enfants. Le plus âgée a 20ans et le moins âgé a 07ans. Tous vont à l’école.
Mme est gérante d’une boutique depuis 08ans. Elle s’approvisionne dans une grande boutique en ville. Ses clients sont les hommes et femmes du quartier.
Mme veut s’acheter 01bidon d’huile, 02carton de savon et 02sacs de riz pour revendre.
Elle épargne ses bénéfices pour renforcer son activité. Mme ambitionne agrandir son champ d’activité et améliorer les conditions de vie de sa famille.

Previous Loan Details

Mme BERNADETTE is the leader of the group called ZEMSTAABA. She is married and the mother of two children. The older is 19 and the younger is 6 years old. Both go to school and she is responsible for two persons. Bernadette has been selling rice for seven years. She buys her supplies at the ... More from Zemstaaba Group's previous loan »

Additional Information

About Micro Start/AFD

This loan is administered by Micro Start/AFD, Kiva’s first Field Partner in Burkina Faso. Micro Start/AFD’s mission is to improve families' living conditions in general, and those of women in particular, by facilitating access to financial and non-financial services.

Micro Start/AFD is a professional microfinance institution offering financial services, advice, and training. One of the organization’s principal aims is to collect obligatory and voluntary savings that foster clients’ financial independence. Micro Start/AFD also focuses on building female entrepreneurs’ skills in management and business administration and improving the living conditions in its clients’ communities. More information can be found on Micro Start’s Kiva Field Partner Page.

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.

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 Burkina Faso

  • $1,500
    Average annual income
  • 11
    View loans »
    Burkina Faso Loans Fundraising
  • $2,495,200
    Funds lent in using Kiva
  • 491.1
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Zemstaaba Group's $1,175 loan helped a member to buy a can of oil, 2 boxes of soap and 2 bags of rice for resale.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 31, 2013
Jun 16, 2013
Currency Exchange Loss:
May 17, 2014
This photo was used before for a previous loan for Zemstaaba Group. It was first posted on Kiva on May, 2012. Learn More