The Ayidokpo group is made up of three people who live in the same neighborhood. The representative of this group, whose name is Julienne Assiba, is the one with her hand raised in the photo. It is the first time that this group has sought financial aid from Alidé, and their aim is to increase their business volume. Julienne Assiba is 47 years old and married to an entrepreneur named Raphaël. The couple has four children, all at school and in their care. The couple lives with their children and together provide for the family's needs. Julienne Assiba left school at secondary level. For around five years she has been selling a variety of products (corn, biscuits, telephone recharge cards) as well as selling second-hand clothing as a secondary activity. This business allows her to respond to her family's needs without any great difficulty. Julienne Assiba buys her products in Benin. With a view to responding better to customer demand, she is requesting a first loan from Alidé together with the other members of the Ayidokpo group.
Le groupe AYIDOKPO est formé de trois personnes qui résident dans le même quartier. La représentante de ce groupe, nommée Julienne Assiba, est celle dont la main est levée sur la photo. C’est la première fois que ce groupe sollicite l’appui financier de ALIDé en vue d’élever le niveau de leur activité. Julienne Assiba est âgée de 47 ans et est mariée à un entrepreneur du nom de Raphaël. Le couple a quatre enfants, tous scolarisés et à leur charge. Le couple vit ensemble avec leurs enfants et subvient ensemble aux divers besoins de la famille. Julienne Assiba a arrêté l'école au cours secondaire. Il y a environs cinq ans, Julienne Assiba mène comme activité la vente de divers produits (maïs, biscuits, cartes de recharges téléphoniques) et des friperies de façon secondaire. Cette activité lui permet de répondre sans grande difficulté aux besoins de sa famille. Julienne Assiba achète ses produits au Bénin. Dans le souci de mieux répondre aux exigences de sa clientèle, Julienne Assiba sollicite, ensemble avec les autres membres du groupe AYIDOKPO, un premier 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.