MAHUNA Group is made up of three women who live in the same area. The group's representative, named Clarisse, is the one raising her hand in the photograph.
She's 32 years old and married to one Jean Marie. The couple has four children whom they have to support. Some of them attend school.
In addition to their own children, Clarisse and her husband have another child to support. The couple provides for the household together.
Clarisse never attended school, but got trained in hairdressing, a business she's been running for four years and which enables her to provide for herself.
In parallel, Clarisse sells hair extensions and beauty products in her workshop located in her neighborhood. She purchases her supplies in a market in Benin.
This is the third time that Clarisse and the other members of the MAHUNA Group are seeking a loan from Kiva's partner, ALIDé. This loan will enable them to bolster their businesses in order to better meet customer demand.
Le groupe MAHUNA est formé de trois personnes qui résident dans la même zone. La représentante de ce groupe, nommée Clarisse est celle dont la main est levée sur la photo. Clarisse est âgée de 32 ans, et est mariée à un certain Jean Marie. Le couple a quatre enfants, tous à leur charge et dont certains sont scolarisés. En plus de leurs enfants, Clarisse et son mari ont un autre enfant vivant à leur charge. Le couple subvient ensemble aux divers besoins du ménage. Clarisse n'a pas été à l'école, mais a appris la coiffure, activité qu'elle exerce depuis quatre ans et qui lui permet d'assurer ses différentes charges. Parallèlement à cette activité, Clarisse vend des mèches et des produits de beauté dans son atelier situé dans son quartier.Clarisse achète ses produits dans un marché du Bénin. C’est la troisième fois que Clarisse et les autres membres du groupe MAHUNA sollicitent un crédit auprès de ALIDé. Ce crédit leur permettra de renforcer leur activité afin de mieux répondre à la demande de leur clientèle. Les crédits précédents 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.