The "Nonvignon" group comprises five people, all of whom live in the same area in Benin. The group representative, Omoboni Marietta (whose hand is raised in the photo), is 36 years old. She is married to a man named Aristide. The couple have three children, all of whom are in their care and attend school. Omoboni Marietta lives together with her husband and children. The couple provide for the household together. Omoboni Marietta ended her studies in secondary school. To meet her various needs, she has sold bags of charcoal in her area for 11 years. She gets her supplies at a market in Benin. With the goal of satisfying her clientele and expanding her business, Omoboni Marietta is seeking a third loan with ALIDÉ, along with the other members of the Nonvignon group. This loan will allow them to better respond to the demands of their clientele and earn higher profits. The two previous loans were repaid properly.
NONVIGNON est un groupe de cinq personnes, dont les membres résident dans le même quartier au Bénin. La représentante du groupe, Omoboni Marietta (dont la main est levée sur la photo), est âgée de 36 ans. Omoboni Marietta est mariée à un certain Aristide. Le couple a trois enfants tous scolarisés et à leur charge. Omoboni Marietta vit ensemble avec son mari et ses enfants. Le couple assure ensemble les diverses charges de la maison. Omoboni Marietta a arrêté l'école au niveau secondaire. Pour faire face à ses différentes charges, Omoboni Marietta vend depuis onze ans des sacs de charbons dans son quartier. Omoboni Marietta s'approvisionne dans un marché du Bénin. Dans la quête de la satisfaction de sa clientèle et en vue élargir son activité, Omoboni Marietta sollicite un troisième crédit auprès de ALIDé, ensemble avec les autres membres du groupe NONVIGNON. Ce crédit leur servira à mieux répondre aux demandes de leur clientèle et à se faire plus de profits. Les deux 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.