The MISSIMAHU group is made up of four people who all live in the same neighborhood. The is the third time that this group has asked ALIDé for financial help, in order to increase their level of activity. The group's leader, Mélanie, has her hand raised in the photo. Mélanie is 32 years old and lives in Benin. She did not go to school for very long.
Mélanie is married to a farmer named Sètondji. The couple has five children, all of whom go to school and are in their care. Mélanie lives with her husband and children. The couple share responsibility for the household's various expenses. In order to meet these expenses, for the last ten years or so Mélanie has been selling condiments and food products in her neighborhood. Mélanie obtains her supplies in a market in Benin. In order to satisfy her customers and increase turnover and revenue, Mélanie and the other MISSIMAHU members are asking ALIDé for a third loan. This loan is sure to allow them to expand their level of activity and make more profit. The two previous loans were fully repaid.
Le groupe MISSIMAHU est composé de quatre personnes qui habitent le même quartier. C'est la troisième fois que ce groupe sollicite l'aide financier de ALIDé, afin d'élever le niveau de son activité. La représentante du groupe, du nom de Mélanie est celle qui a la main levée sur la photo. Mélanie est âgée de 32 ans et vit au Bénin. Mélanie a très peu fréquenté l’école. Mélanie est mariée à un agriculteur du nom de Sètondji. Le couple a cinq enfants, tous scolarisés et à leur charge. Mélanie vit ensemble avec son mari et ses enfants. Le couple se partage les diverses dépenses de la maison. Afin d’assurer ses diverses charges, Mélanie vend depuis une dizaine d'année, des condiments et des produits de vivriers dans son quartier. Mélanie s’approvisionne dans un marché du Bénin. Dans la quête de la satisfaction de sa clientèle et pour accroître son chiffre d’affaires et son revenu, Mélanie sollicite ensemble avec les autres membres du groupe MISSIMAHU, un troisième crédit auprès de ALIDé. Ce crédit leur permettra surement à hausser le niveau de leur activité et à se faire plus de profits. Les deux 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.