The AÏDOTE group is made up of three people who all live in the same neighborhood. The group's leader, Jocelyne Fidélia, has her hand raised in the photo. She is 39 years old and lives in Benin. Jocelyne Fidélia left school at the secondary level. She is married to a man named Jean. The couple has three children, all of whom go to school and are in their care. Jocelyne Fidélia lives with her husband and children. Together, the couple take care of the household's various needs.
To meet her family's expenses, for the last fifteen years Jocelyne Fidélia has been selling kitchen wares (bowls, basins) and fabric in her neighborhood. She obtains her supplies in Benin, and sometimes in Lomé. In order to satisfy her customers and increase turnover and revenue, Jocelyne Fidélia and the other AÏDOTE members are asking ALIDé for a fourth loan. The three previous loans were fully repaid.
Le groupe AÏDOTE est composé de trois personnes qui résident dans le même quartier. La représentante du groupe, du nom de Jocelyne Fidélia est celle qui a la main levée sur la photo. Jocelyne Fidélia est âgée de 39 ans et vit au Bénin. Jocelyne Fidélia a arrêté l’école au niveau secondaire. Jocelyne Fidélia est mariée à un certain Jean. Le couple a trois enfants tous scolarisés et à leur charge. Jocelyne Fidélia vit ensemble avec son mari et ses enfants. Le couple assure ensemble les divers besoins de la maison. Afin d’assurer les diverses charges de la famille, Jocelyne Fidélia vend depuis quinze ans des produits ménagers (bols, bassines) et des tissus dans son quartier. Jocelyne Fidélia s’approvisionne au Bénin et parfois à Lomé. Dans la quête de la satisfaction de sa clientèle et pour accroître son chiffre d’affaires et son revenu, Jocelyne Fidélia sollicite ensemble avec les autres membres du groupe AÏDOTE, un quatrième crédit auprès de ALIDé. Les trois premiers prêts 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.