DJROMAHUTON is a group of four people whose members live in the same neighborhood in Benin and who are from the same family. The group representative, Yèyinou Jacqueline (whose hand is raised in the photo), is 48 years old. Yèyinou Jacqueline is married to a salesman named Emmanuel. The couple has two children, both of whom attend school and who are under their care. Yèyinou Jacqueline lives with her husband and children. The couple shares the household expenses. Yèyinou Jacqueline did not attend school. To meet her different responsibilities, Yèyinou Jacqueline has been selling empty bottles at a market in Benin for three years. Yèyinou Jacqueline stocks up in Benin. In the goals of satisfying her clientele and increase her business, Yèyinou Jacqueline is seeking a second loan with ALIDé with the other members of the DJROMAHUTON group. This loan will help them better meet the needs of their clientele and earn more money. The first loan was properly repaid.
DJROMAHUTON est un groupe de quatre personnes, dont les membres résident dans le même quartier au Bénin et sont issus de la même famille. La représentante du groupe, Yèyinou Jacqueline (dont la main est levée sur la photo), est âgée de 48 ans. Yèyinou Jacqueline est mariée à un revendeur du nom de Emmanuel. Le couple a deux enfants tous scolarisés et à leur charge. Yèyinou Jacqueline vit ensemble avec son mari et ses enfants. Le couple assure ensemble les diverses charges de la maison. Yèyinou Jacqueline n’a pas fréquenté. Pour faire face à ses différentes charges, Yèyinou Jacqueline vend depuis trois ans des bouteilles vides dans un marché du Bénin. Yèyinou Jacqueline s’approvisionne au Bénin. Dans la quête de la satisfaction de sa clientèle et en vue d'élargir son activité, Yèyinou Jacqueline sollicite un deuxième crédit auprès de ALIDé, ensemble avec les autres membres du groupe DJROMAHUTON. Ce crédit leur servira à mieux répondre aux demandes de leur clientèle et à se faire plus de profits. 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.