The Kpenagni 1 group comprises two people who belong to the same family and live in Benin. The group representative is named Raliyatou and is the younger one in the photo. This is the third time this group is seeking financial support through ALIDÉ in order to raise the level of their business. Raliyatou is 26 years old and married to an administrator named Sulkifouli. The couple have one child who is not yet in school but lives in their care. The couple provide for the various family needs together. Raliyatou ended her studies at the university level. For close to four years, she has run a business selling canned drinks in Benin; this allows her to respond to her family's needs without too much difficulty. Raliyatou gets her supplies also in Benin. With the goal of better responding to the needs of her clientele, she wants to strengthen her business and augment the stock of her products. To do this, Raliyatou, together with the second member of the Kpenagni group, is seeking a third loan with ALIDÉ.
Le groupe KPENAGNI 1 est formé de deux personnes qui appartiennent à la même famille et qui vivent au Bénin. La représentante de ce groupe, nommée Raliyatou, est la plus jeune sur la photo. C’est la troisième fois que ce groupe sollicite l’appui financier de ALIDé en vue d’élever le niveau de leur activité. Raliyatou est âgée de 26 ans et est mariée à un gestionnaire nommé Sulkifouli. Le couple a un enfant qui n’est pas encore scolarisé mais qui vit à leur charge. Le couple subvient ensemble aux divers besoins de la famille. Raliyatou a arrêté l’école à l’université. Il y a près de quatre ans que Raliyatou exerce comme activité, la vente de boissons en cannettes au Bénin ; ce qui lui permet de répondre sans grande difficulté aux besoins de sa famille. Raliyatou s’approvisionne également au Bénin. Dans le souci de mieux répondre aux exigences de sa clientèle, Raliyatou désire renforcer son activité et augmenter le stock de ses produits. Pour ce faire, Raliyatou sollicite, ensemble avec le second membre du groupe KPENAGNI 1, un troisième crédit auprès de ALIDé.
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.