The Adjeniya group is composed of three individuals living in the same area in Sèkandji, in the community of Sèmè-Podji. This is the first time that the group is seeking financing from ALIDé, in order to expand their activities. The group’s representative, by the name of Rafiatou, is the one raising her hand in the photo. Rafiatou was born on June 11, 1966 in Cotonou, the economic capital of Benin, and is married to Karim, a vendor. They have four children, three of whom are still in the couple’s care. Some children are in school. Rafiatou and her husband jointly provide for the family needs. Rafiatou has been living in Sèkandji with her husband and children for almost six years. In order to support herself and improve her quality of life, Rafiatou has been working for about seven years as a vendor of hardware supplies. She stocks up in Nigeria, a country neighboring Benin. With the goal of meeting her customers’ expectations and increasing her working capital and income, Rafiatou, together with her group, is seeking her first loan.
Le groupe ADJENIYA est composé de trois personnes qui vivent toutes dans la même localité à Sèkandji dans la commune de Sèmè-Podji. C'est la première fois que ce groupe sollicite l'aide financier de ALIDé, afin d'élever le niveau de leur activité. La représentante du groupe, du nom de Rafiatou est celle qui a la main levée sur la photo. Rafiatou est née le 11 Juin 1966 à Cotonou, capitale économique du Bénin et est mariée à un démarcheur nommé Karim. Le couple a quatre enfants, dont trois à leur charge. Certains parmi les enfants sont scolarisés. Rafiatou et son mari assurent ensemble les différentes charges de la famille. Depuis près de six ans, Rafiatou vit à Sèkandji avec son mari et ses enfants. Afin de se prendre en charge et d'améliorer son niveau de vie, Rafiatou exerce depuis sept ans environs, comme activité la vente de produits de quincaillerie à Sèkandji. C’est au Nigéria, Etat voisin du Bénin, que Rafiatou s’approvisionne. Dans la quête de la satisfaction de sa clientèle et pour accroître son fonds de roulement et son revenu, Rafiatou sollicite, ensemble avec son groupe, un premier crédit.
Alidé is a Beninese NGO that works to reduce poverty by offering sustainable access to productive loans like this one in addition to savings, training sessions, and social work to low-income families.
Supporters of this loan should be aware that there is some risk of being repaid late. Because the Beninois Ministry of Finance has imposed restrictions on the amount of money Alidé can send to Kiva, the organization can only send monthly repayments in installments smaller than $13,000. This means that some Kiva lenders may receive their repayments late. However, Alidé remains a healthy institution in good standing with its creditors, and Kiva would like to continue working to support its clients. For more information, please refer to Alidé's partner profile page.
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.