The Dagbegnikin group has 12 members, who all live in the same neighborhood. The group’s representative is called Natacha, and is pictured with her hand raised in the photo.
Natacha is 25 years of age and lives in Benin. She is married to Raymond, and the couple has two children at school under their care. Natacha herself did not go to school. She lives with her children and husband, and together with her husband she makes sure the family’s various needs are met. To contribute to meeting these needs, Natacha sells sugar, peanuts and foodstuffs (corn, etc.) in a market in Benin, and has done so for seven years. The revenue generated from this business allows her to help with her family’s various needs.
To meet the requests of her every-growing customer base, Natacha has asked for a third loan from Alidé, along with the other members of the Dagbegnikin group.
Le groupement DAGBEGNIKIN est composé de douze personnes qui résident dans le même quartier. La représentante du groupement du nom de Natacha est celle qui a la main levée sur la photo. Natacha est âgée de 25 ans et vit au Bénin. Natacha est mariée à un certain Raymond. Le couple a deux enfants scolarisés et à leur charge. Natacha n’a pas fréquenté l’école. Natacha vit ensemble avec ses enfants et son mari et assure ensemble avec son mari les différents besoins de la famille. Pour contribuer aux divers besoins de sa famille, Natacha vend du sucre, de l'arachide et des vivres (maïs, etc.) dans un marché du Benin depuis sept ans. Natacha s’approvisionne au Benin. Grâce au revenu que lui génèrent ces activités, Natacha contribue aux différents besoins de sa famille. Pour satisfaire aux besoins de sa clientèle de plus en plus grandissante, Natacha sollicite pour la troisième fois, un crédit auprès de ALIDé ensemble avec les autres membres du groupement DAGBEGNIKIN.
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.