The AYIDOKPO group is comprised of three people who work out of the same location. Julienne Assiba is the group representative, and is the one with her hand raised in the photo. Julienne Assiba is 48 and lives in Benin. Julienne Assiba rarely attended school. Julienne Assiba no longer lives with her husband. Julienne Assiba is the mother of four children, all of whom are to school. In order to meet the needs of her children and to take care of their expenses, Julienne Assiba sells secondhand clothes, mobile phone top up cards, and hominy grits. Julienne Assiba buys her supplies in a market in Benin. With the goal of satisfying her clients and in order to grow her sales and her income, Julienne Assiba, along with the other members of the AYIDOKPO group, is asking for a second loan with ALIDé. The first loan they received was repaid.
Le groupe AYIDOKPO est composé de trois personnes qui pratiquent leurs activités dans le même endroit. La représentante du groupe, du nom de Julienne Assiba est celle qui a la main levée sur la photo. Julienne Assiba est âgée de 48 ans et vit au Bénin. Julienne Assiba a très peu fréquenté l’école. Julienne Assiba ne vit plus avec son mari. Julienne Assiba est mère de quatre enfants, tous scolarisés. Afin d’assurer les diverses charges de ses enfants et de subvenir à ses besoins, Julienne Assiba vend des friperie, des cartes de recharges téléphoniques et de la bouillie de maïs. Julienne Assiba s’approvisionne dans un marché du Bénin. Dans la quête de la satisfaction de sa clientèle et pour accroître son chiffre d’affaires et son revenu, Julienne Assiba sollicite ensemble avec les autres membres du groupe AYIDOKPO, un deuxième crédit auprès de ALIDé. Le premier crédit reçu 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.