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Vivogbe Group
In this Group: Victoire, Bernadette, Akouavi, Henriette, Honorine, Akaï, Blandine, Delphine, Geneviève, Irène Romualde, Adégnadjou Clémence, Mélanie, Lucia, Aubierge Assiba, Philomène, Virginie, Akouavi Chimène, Brigitte, Hélène, Lessan Gisèle
The Vivogbe group is composed of 20 persons who belong to the same community. The representative of this group, named Bernadette, is the one with her hand raised on the photo. This is the third time this group requests the financial support of ALIDé in order to increase the level of their activity.

Bernadette is 59 years old and is married to Robert. The couple has three children, all attending school and under their care. The couple lives together with their children. They cover together the household expenses.

Bernadette did not attend school. For the last twenty years, she has been selling various items (corn, length of cloth) and cosmetic products as a secondary activity. This allows her to cover her various expenses. She buys her items at a market in Benin.

In order to be more competitive and to better meet the demand of her customers, Bernadette, along with the other members of the Vivogbe group, would like to obtain a third loan from ALIDé. The previous loans have been fully paid back.
View original language description ↓
Le groupement VIVOGBE est formé de vingt personnes qui appartiennent à une même collectivité. La représentante de ce groupement, nommée Bernadette est celle dont la main est levée sur la photo. C’est la troisième fois que ce groupement sollicite l’appui financier d’ALIDé en vue d’élever le niveau de leur activité. Bernadette est âgée de 59 ans et est mariée à un certain Robert. Le couple a trois enfants, tous scolarisés et à leur charge. Le couple vit ensemble avec les enfants et assure ensemble les charges de la maison. Bernadette n’a pas fréquenté l’école. Il y a une vingtaine d'année, Bernadette vend des produits divers (maïs, tissus) et des produits cosmétiques de façon secondaire ; Ce qui lui permet d'assurer ses différentes charges. Bernadette achète ses produits dans un marché du Benin. Dans le but d’être de plus en plus compétitive et de mieux répondre à la demande de sa clientèle, Bernadette désire obtenir pour la troisième fois, un crédit auprès de ALIDé, ensemble avec les autres membres du groupement VIVOGBE. Les crédits précédents ont été bien remboursés.

Additional Information

About Alidé

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.

About Benin

  • $1,600
    Average annual income
  • 0
    View loans »
    Benin Loans Fundraising
  • $4,467,950
    Funds lent in using Kiva
  • 511.5
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Vivogbe Group's $5,125 loan helped a member to purchase bags of corn, cosmetic products and length of cloth.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Apr 23, 2012
May 16, 2012
Currency Exchange Loss:
May 11, 2013