The MAHOUMEGNIDAHO group consists of three people who live in the same neighborhood in Benin. The representative of the group, Ahoefa Marie, is raising her hand in the photo. She is 54 years old and married to a man named Toubias. The couple has three children who all attend school. Two of the children are their dependents. Ahoefa Marie lives with her husband and children and takes care of the various family expenses with her husband.
Ahoefa Marie left school at the elementary level. For the past five years, she has been selling maize and kitchen utensils through the distribution system, in order to cover the diverse household expenses. She stocks up at a market in Benin.
In order to meet her customers' needs and to increase her turnover, she and the other members of the MAHOUMEGNIDAHO group are requesting a second loan from ALIDé. The previous loan was well repaid.
Le groupe MAHOUMEGNIDAHO est composé de trois personnes qui résident dans le même quartier au Bénin. La représentante de ce groupe, nommée Ahoefa Marie, est celle dont la main est levée sur la photo. Ahoefa Marie est âgée de 54 ans et est mariée à un certain Toubias. Le couple a trois enfants tous scolarisés, dont deux sont à leur charge. Ahoefa Marie vit ensemble avec son mari et ses enfants et assure ensemble avec son mari les diverses charges de la famille. Ahoefa Marie a arrêté l’école au niveau primaire. Pour subvenir aux diverses charges de la maison, Ahoefa Marie vend depuis cinq ans du maïs et des ustensiles de cuisine par le système de distribution. Ahoefa Marie s'approvisionne dans un marché du Bénin. Dans la quête de la satisfaction de sa clientèle et pour accroître son chiffre d'affaire, Ahoefa Marie sollicite ensemble avec les autres membres du groupe MAHOUMEGNIDAHO, un deuxième crédit auprès de ALIDé. Le crédit reçu antérieurement 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.