The GF DJIDJOHO group is made up of ten women who are all friends and who live in the same village. This is the 5th time they have asked ALIDé for financial help, so that they can increase their activity. The group's representative, Sidonie, has her hand raised in the photo. She is 36 years old and is married to a farmer called Marcellin. Sidonie lives with her husband and their 6 children. Some of the children go to school, and the couple is responsible for all of them. Together, Sidonie and her husband meet the household's various expenses. To do that, Sidonie has been growing peppers and corn locally for about ten years. She also sells rice. This allows her to easily contribute to the family's expenses.
Sidonie obtains her supplies at markets in Benin. In order to meet customer demand and to increase turnover and profit, Sidonie, along with the other members of the GF DJIDJOHO group, is asking for a 5th loan. The first 4 have all been properly repaid.
Le groupe GF DJIDJOHO est composé de huit personnes qui sont des amies et vivent dans le même village. C'est la cinquième fois que ce groupe sollicite l'aide financier de ALIDé, afin d'élever le niveau de leur activité. La représentante du groupe, du nom de Sidonie est celle qui a la main levée sur la photo. Sidonie est âgée de 36 ans et est mariée à un cultivateur du nom de Marcellin. Sidonie vit ensemble avec son mari et ses enfants. Le couple a six enfants dont certains scolarisés et tous à leur charge. Les diverses charges de la maison sont assurées par le couple. Pour y parvenir, Sidonie mène comme activité depuis dix ans environs la culture du piment et du maïs dans sa région. De façon secondaire, Sidonie vend du riz. Cette activité lui permet de contribuer sans grande difficulté aux besoins de sa famille. Sidonie s’approvisionne dans l’un des marchés du Bénin. Dans la quête de la satisfaction de sa clientèle et pour accroître son chiffre d’affaire et son revenu, Sidonie sollicite ensemble avec les autres membres du groupe GF DJIDJOHO, un cinquième crédit. Les quatre 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.