The ALOHAGBE group consists of three members who all live in the same area. The representative of the group, named Mireille-Senami, is the one with the hand raised in the photo. Mireille-Senami was born in 1978 in a city of Benin. She is married to a plumber named Patrick. The couple have three children, all in school and under their care. Mireille-Senami dropped out of secondary school. To provide for her needs and those of her family, Mireille-Senami has been in business for five years selling canned goods, soap, and phone cards. Mireille-Senami stocks up at one of the markets in Benin. In the pursuit of customer satisfaction and to increase her revenues and her income, Mireille-Senami is asking for, with the other members of the ALOHAGBE group, a first loan.
Le groupe ALOHAGBE est composé de trois personnes qui résident toutes dans le même quartier. La représentante du groupe, du nom de Mireille Sènami est celle qui a la main levée sur la photo. Mireille Sènami est née en 1978 dans une ville du Bénin, et est mariée à un Plombier du nom de Patrick. Le couple a trois enfants tous scolarisés et à leur charge. Mireille Sènami a arrêté l'école au cours secondaire. Pour subvenir à ses besoins et à ceux de sa famille, Mireille Sènami mène comme activité depuis cinq ans la vente de conserves, de savons et des cartes de recharges téléphoniques de façon secondaire. Mireille Sènami s’approvisionne dans l’un des marchés du Bénin. Dans la quête de la satisfaction de sa clientèle et pour accroître son chiffre d’affaires et son revenu, Mireille Sènami sollicite, ensemble avec les autres membres du groupe ALOHAGBE, 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.