JLOMAWOUTON is a group composed of 14 people who live in the same village. They all have an income-generating activity. This is the first time that this group requests a loan from ALIDÉ, in order to increase their business and to better meet the needs of their customers. The group representative, Gisèle, is the one raising her hand on the picture. Gisèle is 31 and is married to a farmer named Roger. The couple takes care of their 4 children. Some of them go to school. They both take care of the family financially. Gisèle never went to school. To support her family, Gisèle has been selling various products (rice, corn, palm oil) in her area. In addition to that, Gisèle processes cassava into cassava flour, which she also sells in her area. Gisèle buys her supplies from Benin. It is the first time that Gisèle and the other members of JLOMAWOUTON are applying for a loan from ALIDÉ. This loan will be used to boost their business.
JLOMAWOUTON est un groupement composé de quatorze personnes qui vivent toutes dans le même village et mènent toutes des activités génératrices de revenus. C’est la première fois que ce groupement sollicite un crédit auprès de ALIDé, afin d’élever le niveau de leur activité et de mieux répondre aux exigences de leur clientèle. La représentante du groupe du nom de Gisèle est celle qui a la main levée sur la photo. Gisèle est âgée de 31 ans et est mariée à un cultivateur du nom de Roger. Le couple a quatre enfants, tous à leur charge. Seulement certains des enfants sont scolarisés. Le couple se partage ensemble les diverses charges de la famille. Gisèle n’a pas fréquenté l’école. Pour subvenir à ses différents besoins et contribuer aux charges familiales, Gisèle vend depuis huit ans environs, divers produits (riz, maïs, huile végétale) dans sa région. Parallèlement à cette activité, Gisèle fait la transformation de manioc en farine de manioc, qu'elle vend également dans sa région. Gisèle s’approvisionne au Bénin. C’est la première fois que Gisèle et les autres membres du groupement JLOMAWOUTON sollicitent un crédit auprès de ALIDé, crédit qui leur servira à rehausser 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.