The NONVIGBE group consists of three members who live in the same neighborhood. The representative of the group named Anne Marie is the one with her hand raised in the picture. To raise the level of their business and better meet the demand of their customers, this group is seeking for the second time the financial support of ALIDé.
Anne Marie is married to Donatien, a public servant. She is the mother of three children all attending (or having attended) school, and of whom one remains under her care. She lives together with her children and her husband.
Anne Marie has never been to school. To support herself and her children over the past seven years, her business activity has been to sell corn mush along with donuts (made from wheat flour) in her neighborhood. As an additional activity, Anne Marie buys and sells fruit in her neighborhood. She gets her supplies in Benin.
In order to strengthen their business and better serve their customers, Anne Marie and her group are seeking a credit loan from ALIDé. Their ambition is to increase the level of their business activity.
Le groupement NONVIGBE est composé de trois membres qui vivent dans le même quartier. La représentante de ce groupe du nom de Anne Marie, est celle qui a la main levée sur la photo. Dans le but de rehausser le niveau de leur activité afin de mieux faire face à la demande de leur clientèle, ce groupe sollicite pour une deuxième fois, l'appui financier de ALIDé. Anne Marie est mariée à un fonctionnaire nommé Donatien et est mère de trois enfants tous scolarisés dont un reste à sa charge. Anne Marie vit ensemble avec ses enfants et son mari. Anne Marie n’a jamais été à l’école. Pour subvenir à ses besoins et à ceux de ses enfants, Anne Marie mène comme activité depuis sept ans environs, la vente de bouillie de maïs, accompagnée de beignets (faits à base de la farine de blé) dans son quartier. De façon secondaire, Anne Marie achète des fruits qu'elle vend dans son quartier. Anne Marie s'approvisionne au Bénin. Dans le but de renforcer leur activité et de mieux satisfaire leur clientèle, Anne Marie et son groupe sollicitent un crédit auprès de ALIDé. Leur ambition est d’accroître le niveau de leur activité.
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.