Group Ko-jo is composed of three persons who reside in the same area of town. The group representative, named Sèhoue Enagnon Loïse, is raising her hand on the photo.
Sèhoue Enagnon Loïse is 30 years old and lives in Benin. Her education stopped in elementary school. Sèhoue Enagnon Loïse is married to a man named Jean. The couple has on child in their care, who attends school. In addition to their child, the couple takes care of another child. Sèhoue Enagnon Loïse lives together with her husband and children. The couple provides for the household together.
In order to support her family, Sèhoue Enagnon Loïse has been selling fabrics and clothing in Benin for five years. She gets her supplies from a market in Benin. Looking to create customer satisfaction and to increase her sales and revenues, Sèhoue Enagnon Loïse is requesting a loan from ALIDé together with the other members of group Ko-jo.
Le groupe KO-JO est composé de trois personnes qui résident dans le même quartier. La représentante du groupe, du nom de Sèhoue Enagnon Loïse est celle qui a la main levée sur la photo. Sèhoue Enagnon Loïse est âgée de 30 ans et vit au Bénin. Sèhoue Enagnon Loïse a arrêté l'école au niveau primaire. Sèhoue Enagnon Loïse est mariée à un certain Jean. Le couple a un enfant scolarisé et à leur charge. En plus de leur enfant, le couple a un autre enfant à charge. Sèhoue Enagnon Loïse vit ensemble avec son mari et ses enfants. Le couple assure ensemble les divers besoins de la maison. Afin d'assurer les diverses charges de la famille, Sèhoue Enagnon Loïse vend depuis cinq ans des tissus et des vêtements au Bénin. Sèhoue Enagnon Loïse s'approvisionne dans un marché du Bénin. Dans la quête de la satisfaction de sa clientèle et pour accroître son chiffre d'affaires et son revenu, Sèhoue Enagnon Loïse sollicite ensemble avec les autres membres du groupe KO-JO, un crédit auprès de ALIDé.
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.