The GBIGBODOTE group consists of three people who live in the same neighborhood. Dopevi Sidonie, age 39, and raising her hand in the photo, is the facilitator of the group. She is married to a man named Dossou. The couple has four children, all in school and all their dependents. Dopevi Sidonie lives with her husband and children and takes care of the various family expenses together with her husband. Dopevi Sidonie has never attended school. For the past ten years, she has been selling food in her neighborhood ("come", a type of food made with fermented maize, and "ablo", made with rice). She buys her supplies at a market in Benin. She is requesting a loan from ALIDé, along with the other members of the GBIGBODOTE group, in order to meet her customers' needs and to increase her turnover and income.
Le groupe GBIGBODOTE est formé de trois personnes qui résident dans le même quartier. La représentante de ce groupe, nommée Dopevi Sidonie, est celle dont la main est levée sur la photo. Dopevi Sidonie est âgée de 39 ans et est mariée à un certain Dossou. Le couple a quatre enfants tous scolarisés et à leur charge. Dopevi Sidonie vit ensemble avec son mari et ses enfants et assure ensemble avec son mari les diverses charges de la famille. Dopevi Sidonie n’a pas fréquenté l'école. Il y a dix ans que Dopevi Sidonie mène comme activité, la vente de nourriture (« come » : aliment fait à base de maïs fermenté et de « ablo » : aliment fait à base du riz) dans son quartier. Dopevi Sidonie s'approvisionne dans un marché du Bénin. Dans la quête de la satisfaction de sa clientèle et pour accroître son chiffre d'affaire et son revenu, Dopevi Sidonie sollicite ensemble avec les autres membres du groupe GBIGBODOTE, 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.