The Noussissi group comprises 13 people who know each other through their businesses and attendance at the same market, and all live in the same area in Benin. The representative of the group, named Delphine, is the one with the raised hand in the photo. Delphine is 53 years old and lives in Benin. She is married to an electrician named Vincent. The couple have four children, all in school and still in the care of their parents. To provide for herself and her family, Delphine runs a business selling jewelry and pearls. She gets her supplies at one of the markets in Benin. This is the first time Delphine and the other members of the Noussissi group are seeking a loan with ALIDÉ. This loan will allow them to strengthen their businesses in order to better respond to the demands of their clientele.
Le groupement NOUSSISSI est formé de treize personnes qui se connaissent de part leur activité, fréquentent le même marché et qui habitent toutes dans le même quartier au Bénin. La représentante de ce groupement, nommée Delphine est celle dont la main est levée sur la photo. Delphine est âgée de 53 ans, et vit au Bénin. Delphine est mariée à un électricien du nom de Vincent. Le couple a quatre enfants, tous scolarisés et encore à leur charge. Pour subvenir à ses besoins et à ceux de sa famille,Delphine mène comme activité la vente de bijoux et de perles. Delphine s’approvisionne dans l’un des marchés du Bénin. C’est la première fois que Delphine et les autres membres du groupement NOUSSISSI sollicitent un crédit auprès de ALIDé. Ce crédit leur permettra de renforcer leur activité afin de mieux répondre à la demande de leur clientèle.
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.