The NONVIGNON2 group is made up of three people who live in the same quarter. This is the third time that the group has sought a loan from ALIDé in order to boost business. The group's leader, Rufine, has her hand raised in the photo. She is 32 years old and lives in the Benin. Rufine has never attended school. She is married to a butcher called Olivier with whom she has two children who attend school. Rufine lives with her husband and children, and the couple work together to see to their family's needs. In order to see to the family's needs, Rufine has sold vegetable oil and canned foods from a quarter in the Benin for the past five years. She sources her goods from the market in the Benin. In order to meet her customers' needs and to boost business Rufine and the other members of the NONVIGNON2 group are seeking a third loan from ALIDé. The first two loans have been successfully repaid.
Le groupe NONVIGNON2 est composé de trois personnes qui résident dans le même quartier. C'est la troisième fois que ce groupe sollicite l'aide financier de ALIDé, afin d'élever le niveau de son activité. La représentante du groupe, du nom de Rufine est celle qui a la main levée sur la photo. Rufine est âgée de 32 ans et vit au Bénin. Rufine n'a jamais fréquenté l'école. Rufine est mariée à un boucher du nom de Olivier. Le couple à deux enfants tous scolarisés et à leur charge. Rufine vit avec son mari et ses enfants. Le couple assure ensemble les charges de la famille. Afin de contribuer aux charges de la famille, Rufine vend depuis cinq ans, de l’huile végétale et des conserves dans un quartier du Bénin. Rufine s’approvisionne dans un marché au Bénin. Dans la quête de la satisfaction de sa clientèle et pour accroître son chiffre d’affaires et son revenu, Rufine sollicite ensemble avec les autres membres du groupe NONVIGNON2, un troisième crédit auprès de ALIDé. Les deux premiers prêts ont été bien remboursés.
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.