MARIE LOME is a group made up of three people whose members live in the same area. The group's representative, Aïhonsi Catherine (whose hand is raised in the photo) is 43 years old. Aïhonsi Catherine is married to a tiler named Albert. The couple has four children, all in school and in their care. Aïhonsi Catherine has another child in her care besides her children. Aïhonsi Catherine lives together with her husband and children. Together, the couple sees to the various household expenses. Aïhonsi Catherine stopped school at the secondary level. To cope with her various expenses, Aïhonsi Catherine has sold grains and phone recharge cards secondarily at her house for fifteen years. Aïhonsi Catherine stocks up in a market in Benin. With the goal of growing her business in order to be more competitive on the market, Aïhonsi Catherine is asking, together with the other members of the MARIA LOME group, for a sixth loan from Alidé. The past credits were correctly repaid.
MARIA LOME est un groupe composé de trois personnes, et dont les membres résident dans le même quartier. La représentante du groupe, Aïhonsi Catherine (dont la main est levée sur la photo), est âgée de 43 ans. Aïhonsi Catherine est mariée à un carreleur du nom de Albert. Le couple a quatre enfants, tous scolarisés et à leur charge. Aïhonsi Catherine a un autre enfant à charge, en dehors de ses enfants. Aïhonsi Catherine vit ensemble avec son mari et ses enfants. Le couple assure ensemble les diverses charges de la maison. Aïhonsi Catherine a arrêté l’école au niveau secondaire. Pour faire face à ses différentes charges, Aïhonsi Catherine vend depuis quinze ans, des céréales et des cartes de recharges téléphoniques de façon secondaire à son domicile. Aïhonsi Catherine s’approvisionne dans un marché du Bénin. Dans le but d’agrandir son activité pour être plus compétitive sur le marché, Aïhonsi Catherine sollicite ensemble avec les autres membres du groupe MARIA LOME, un sixième crédit auprès de ALIDé. Les crédits antérieurs 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.