Gbenonkpo AF2 is a group of three friends who all live in the same neighbourhood. The group’s representative is Anifath Celestine (holding up her hand in the photo).
Anifath Celestine is 40 years old and married to a fisherman named Tidjani. The couple has five children to support, all of whom are in school. Anifath Celestine lives with her husband and children, and the couple together ensure that household expenses are met.
Anifath Celestine did not go to school. In order to contribute to living expenses, Anifath Celestine has been selling food for 15 years (corn mash and rice, with fish sauce). Her secondary business is selling cloth from home. Anifath Celestine buys her produce in Benin.
In order to satisfy her customers and expand her business, Anifath Celestine is requesting a sixth loan from Alidé along with the other members of the Gbenonkpo AF2 group. This loan will help them to better respond to the needs of their customers and increase their profits. The previous loans have all been repaid.
GBENONKPO AF2 est un groupe de trois personnes, dont les membres sont des amies et résident dans le même quartier. La représentante du groupe, Anifath Celestine (dont la main est levée sur la photo), est âgée de 40 ans. Anifath Celestine est mariée à un pêcheur du nom de Tidjani. Le couple a cinq enfants tous scolarisés et à leur charge. Anifath Celestine vit ensemble avec son mari et ses enfants. Le couple assure ensemble les diverses charges de la maison. Anifath Celestine n’a pas fréquenté l’école. Pour faire face à ses différentes charges, Anifath Celestine vend depuis quinze ans de la nourriture (pâte de maïs, riz, accompagné de sauce aux poissons) ; et de façon secondaire des tissus à son domicile. Anifath Celestine s’approvisionne au Benin. Dans la quête de la satisfaction de sa clientèle et en vue élargir son activité, Anifath Celestine sollicite un sixième crédit auprès de ALIDé, ensemble avec les autres membres du groupe GBENONKPO AF2. Ce crédit leur servira à mieux répondre aux demandes de leur clientèle et à se faire plus de profits. Les crédits antérieurs 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.