The JESUTOGBE 4 group consists of four women who live in the same neighborhood. The group's representative, Emilienne, is the woman raising her hand in the photo. It is the seventh time that this group is requesting financial assistance from ALIDé in order to increase its level of activity.
Emilienne is married to a man named Barnabé. Emilienne and Barnabé have four children, all in school and their dependents. Emilienne lives with her husband and children and takes care of the various household expenses with her husband. She has never attended school.
In order to cover her various expenses and for the past fifteen years or so, Emilienne has been selling fresh fish, beans, and various other goods, from her home. She buys her goods at a market in Benin.
Eager to better meet her customers' needs and in order to raise her income, Emilienne would like to increase her stock of products. To this end, she is requesting a new loan from ALIDé, along with the other members of the JESUTOGBE 4 group.
Le groupe JESUTOGBE 4 est formé de quatre personnes qui vivent dans le même quartier. La représentante de ce groupe, nommé Emilienne, est celle dont la main est levée sur la photo. C’est la septième fois que ce groupe sollicite l’appui financier d’ALIDé en vue d’élever le niveau de leur activité. Emilienne est mariée à un certain Barnabé. Le couple a quatre enfants, tous scolarisés et à leur charge. Emilienne vit ensemble avec son mari et ses enfants et assure ensemble avec son mari, les diverses charges de la maison. Emilienne n'a pas fréquenté l'école. Pour faire face à ses différentes charges, Emilienne vend depuis une quinzaine d'année, des poissons frais, du haricot et divers autres produits à son domicile. Emilienne achète ses produits dans un marché du Bénin. Dans la quête d'une meilleure satisfaction de sa clientèle et pour accroître son revenu, Emilienne désire augmenter son stock de produits. Pour ce faire, Emilienne sollicite, ensemble avec les autres membres du groupe JESUTOGBE 4, un autre crédit auprès de 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.