Jesukpego is a group comprising three people who live in the same area in Benin. The group representative, named Medessè Rosnelle (whose hand is raised in the photo), is 37 years old. Medessè Rosnelle no longer lives with her husband, but has one child who attends school and is in her care. Medessè Rosnelle lives alone with her child and provides for the household by herself. She did not attend school. To meet her various expenses, she has run a business selling various items (canned goods and soap) door-to-door for close to seven years. She gets her supplies at a market in Benin. With the goal of better responding to the needs of her growing clientele and earning higher profits, Medessè Rosnelle is seeking a second loan with ALIDÉ, together with the other members of the Jesukpego group. The first loan was repaid properly.
JESUKPEGO est un groupe composé de trois personnes qui résident dans le même quartier au Benin. La représentante du groupe du nom de Medessè Rosnelle (dont la main est levée sur la photo), est âgé de 37 ans. Medessè Rosnelle ne vit plus avec son mari, mais a un enfant qui est scolarisé et à sa charge. Medessè Rosnelle vit seule avec son enfant et assure seule les charges de la maison. Medessè Rosnelle n’a pas fréquenté l’école. Pour faire face à ses différentes charges, Medessè Rosnelle mène comme activité la vente de produits divers (des conserves et des savons) de façon ambulante depuis près de sept ans. Medessè Rosnelle s’approvisionne dans un marché du Benin. Dans le but de mieux répondre aux exigences de sa clientèle de plus en plus nombreuses et se faire plus de profit, Medessè Rosnelle sollicite, ensemble avec les autres membres du groupe JESUKPEGO, un deuxième crédit auprès de ALIDé. Le premier crédit 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.