"Djrado" is a group comprising three people who live in the same area in Benin. The group representative, Dédodede Pierre (whose hand is raised in the photo), is 42 years old. Pierre is married to a woman named Léa. The couple have two children, both of whom are in their care and attend school. Dédodede Pierre lives together with his wife and children. The couple provide for the household together. Dédodede Pierre ended his studies in primary school. To meet his various needs, Dédodede Pierre has sold maize and manioc flour in his area for ten years. On the side, he also sells school supplies. Dédodede Pierre gets his supplies at a market in Benin. With the goal of satisfying his customers and expanding his business, he is seeking a fifth loan with ALIDÉ, along with the other members of the Djrado group. This loan will serve to better respond to the demands of their customers and earn higher profits. The four previous loans were repaid properly.
DJRADO est un groupe de trois personnes, dont les membres résident dans le même quartier au Bénin. Le représentant du groupe, Dédodede Pierre (dont la main est levée sur la photo), est âgé de 42 ans. Pierre est mariée à une certaine Léa. Le couple a deux enfants tous scolarisés et à leur charge. Dédodede Pierre vit ensemble avec sa femme et ses enfants. Le couple assure ensemble les diverses charges de la maison. Dédodede Pierre a arrêté l’école au niveau primaire. Pour faire face à ses différentes charges, Dédodede Pierre vend depuis dix ans du maïs et de la farine de manioc dans sa région. De façon secondaire, Dédodede Pierre vend des fournitures scolaires. Dédodede Pierre s'approvisionne dans un marché du Bénin. Dans la quête de la satisfaction de sa clientèle et en vue élargir son activité, Dédodede Pierre sollicite un cinquième crédit auprès de ALIDé, ensemble avec les autres membres du groupe DJRADO. Ce crédit leur servira à mieux répondre aux demandes de leur clientèle et à se faire plus de profits. 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.