The group God Is Great is composed of three individuals who live in the same neighborhood. This is the first time that the group is seeking the financial assistance of Alidé, in order to increase their commercial activity. Oumè Pauline, the representative of the group, is the one with her hand raised in the photo. Oumè Pauline was born in 1970 and is married to a nurse named Joseph. The couple has five children who have all gone to school and live with them. Oumè Pauline helps her husband with household expenses, thanks to the revenues from her work. Oumè Pauline has never gone to school. For twenty years, she has been selling a variety of products (soap, canned food, vegetable oil, spices, etc.) from her home. Oumè Pauline buys these products at Dantokpa, the international market in Bénin. In order to satisfy her customers and increase her income, she is seeking a loan along with the other members of her group.
Le groupe DIEU EST GRAND est composé de trois personnes qui vivent toutes dans le même quartier. 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 Oumè Pauline est celle qui a la main levée sur la photo. Oumè Pauline est née en 1970. Oumè Pauline est mariée à un infirmier du nom de Joseph. Le couple a cinq enfants qui sont tous scolarisés et qui vivent avec eux. Oumè Pauline vient en aide à son mari en assurant avec lui les charges de la maison, grâce au revenu issu de son activité. Oumè Pauline n’a jamais fréquenté l’école. Depuis une vingtaine d’année, Oumè Pauline vend des produits divers (savons, conserves, huile végétale, épices, etc.) à son domicile. Oumè Pauline achète ses produits à Dantokpa, marché international du Bénin. Dans la quête de la satisfaction de sa clientèle et pour accroître son revenu, Oumè Pauline sollicite un crédit, ensemble avec les autres membres de son groupe.
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.