The MAHOUTIN group is made up of five people who live in the same neighborhood. This is the second time that the group is seeking financial assistance from ALIDé in order to increase their activity. Vidéhou, the group's facilitator, is the woman raising her hand on the photo. Vidéhou is 34 years old and married to a man named Félix. Vidéhou stopped going to school at the secondary level. She lives with her husband and children. Vidéhou and Félix have two children who attend school and whom they financially support. Vidéhou and Félix take care of the various household expenses together. In order to provide for her family, Vidéhou has been selling fabrics and local drinks at her home for three years. Vidéhou buys her merchandise in Benin. In order to satisfy her customers and to increase her turnover and her income, Vidéhou is requesting a second loan, together with the other members of the MAHOUTIN group. The first loan was well repaid.
Le groupe MAHOUTIN est composé de cinq personnes qui résident dans le même quartier. C'est la deuxième 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 Vidéhou est celle qui a la main levée sur la photo. Vidéhou est âgée de 34 ans et est mariée à un certain Félix. Vidéhou a arrêté l’école au niveau secondaire. Vidéhou vit ensemble avec son mari et ses enfants. Le couple a deux enfants tous scolarisés et à leur charge. Les diverses charges de la maison sont assurées par le couple. Pour y parvenir, Vidéhou mène comme activité depuis trois ans, la vente de tissus et de boisson locale à son domicile. Vidéhou s’approvisionne dans une région du Bénin. Dans la quête de la satisfaction de sa clientèle et pour accroître son chiffre d’affaire et son revenu, Vidéhou sollicite ensemble avec les autres membres du groupe MAHOUTIN, un deuxième crédit. Le premier prêt a été bien remboursé.
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.