MAHULOMIN is a group which consists of three women who live in the same neighborhood. Delphine is the facilitator of the group and she is the woman raising her hand in the photo. She is 36 years old, married to a reseller named Vincent. The couple has 5 children who all attend school and who are all their dependents. Besides their own children, they have another child in their care. Delphine lives with her husband and children. The couple jointly takes care of the various household expenses. Delphine never attended school. In order to cope with her various expenses, Delphine has been selling canned food, drinks and other food products from her home. She also sells firewood from home. She buys her goods at a market in Benin. In order to strengthen her business and to better meet her customers' needs, Delphine is requesting a second loan from ALIDé, together with the other members of the MAHULOMIN group. The first loan granted was well repaid.
MAHULOMIN est un groupe de trois personnes, dont les membres vivent dans le même quartier. La représentante du groupe, Delphine (dont la main est levée sur la photo), est âgée de 36 ans. Delphine est mariée à un revendeur du nom de Vincent. Le couple a cinq enfants tous scolarisés et à leur charge. En dehors des cinq enfants, le couple a un autre enfant à leur charge. Delphine vit ensemble avec son mari et ses enfants. Le couple assure ensemble les diverses charges de la maison. Delphine n’est pas allée à l’école. Pour faire face à ses différentes charges, Delphine vend depuis huit ans, des conserves, des boissons et des vivres à son domicile. De façon secondaire, Delphine vend des bois de chauffage à son domicile. Delphine s’approvisionne dans un marché du Bénin. Dans le but de renforcer son activité et de mieux satisfaire aux exigences de sa clientèle, Delphine sollicite ensemble avec les autres membres du groupe MAHULOMIN un deuxième crédit auprès de ALIDé. Le premier crédit consenti 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.