The "Une Femme de Plus II" group is made up of three people who live in the same neighborhood. The representative of the group, whose name is Victoire, is the one with her hand raised in the photo. Victoire is 47 years old and lives in Benin. She did not go to school. She is married to a man called Jean. The couple has three children, who are all at school and in their care. Victoire lives with her husband and children. The couple covers the various household expenses between them. In order to do this, Victoir has been selling cereals in her neighborhood for the past 25 year. She gets her supplies in a region of Benin. With a view to satisfying customer demand and in order to increase her turnover and income, Victoire is requesting, together with the other members of the "Une Femme de Plus II" group, a second loan from Alidé. The first loan granted was repaid correctly.
Le groupe UNE FEMME DE PLUS II est composé de trois personnes qui résident dans le même quartier. La représentante du groupe, du nom de Victoire est celle qui a la main levée sur la photo. Victoire est âgée de 47 ans et vit au Bénin. Victoire n’a pas fréquenté l’école. Victoire est mariée à un certain Jean. Le couple a trois enfants tous scolarisés et à leur charge. Victoire vit ensemble avec son mari et ses enfants. Le couple assure ensemble les diverses charges de la maison. Afin d'assurer les diverses charges de la famille, Victoire vend depuis vingt cinq ans, des céréales dans son quartier. Victoire s’approvisionne dans une région du Benin. Dans la quête de la satisfaction de sa clientèle et pour accroître son chiffre d’affaires et son revenu, Victoire sollicite ensemble avec les autres membres du groupe UNE FEMME DE PLUS II, un deuxième crédit auprès de ALIDé. Le premier crédit consenti 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.