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Amina is 34 years old. Her husband is a motorcycle taxi driver, he also sells cereals. Amina has 6 children.
Since 1993, Amina has worked as a seller of yams. She sells to customers at a local market, and buys her products in Anié and Sotouboua. Her daughter helps her with sales. Anima is requesting a second loan from WAGES so that she can buy yams. She wants to provide a better future for her children.
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Translated from French by Kiva volunteer anonymized. View original language description.
Amina est une femme âgé(e) de 34ans. Elle est mariée å un conducteur de taxi moto et revendeur de céréales. Elle a 06 enfants. Amina travaille comme revendeuse d’ignames depuis 1993. Elle vend à ses clients dans un marché de la place. Elle achète les produits à Anié et Sotouboua. Sa fille l’aide dans la vente des ignames. Amina a requis son second cycle de prêt à WAGES afin d’acheter des ignames. Elle veut assurer l’avenir de ses enfants.
This loan is administered by Women and Associations for Gain both Economic and Social (WAGES), Togo's second-largest microfinance institution. Along with a wide range of savings and loan products, WAGES offers its clients training programs in basic literacy, health care (HIV/AIDS and malaria), and business-related subjects (business management, marketing, accounting). You can show your support for WAGES by joining its lending team!
Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
A Lending Partner's average loan size is expressed as a percentage of the country's gross national annual income per capita. Loans that are smaller (that is, as a lower percentage of gross national income per capita) are generally made to more economically disadvantaged populations. However, these same loans are generally more costly for the Lending Partner to originate, disburse and collect.
Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
A Lending Partner's average loan size is expressed as a percentage of the country's gross national annual income per capita. Loans that are smaller (that is, as a lower percentage of gross national income per capita) are generally made to more economically disadvantaged populations. However, these same loans are generally more costly for the Lending Partner to originate, disburse and collect.
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