The AMIES DE JESUS 1 group has three female members, who are all friends and live in the same neighborhood. The group’s representative is called Marie Rose, and is pictured with her hand raised in the photo.
Marie Rose is 51 years of age and lives in Benin. She did not attend school. She is married to a soldier called Constant, and the couple has four children, all at school and all under their care. Marie Rose lives with her husband and children, and together the couple makes sure that the various household needs are met.
To cover her family expenses, Marie Rose works selling miscellaneous articles, pieces of African cloth and, on a secondary level, firewood, from her home. She gets her supplies from a region of Benin. To satisfy her customers and increase her sales and income, Marie Rose has requested a third loan from Alidé, along with the other members of the AMIES DE JESUS 1 group. Their first two loans were successfully repaid.
Le groupe AMIES DE JESUS 1 est composé de trois personnes qui sont des amies et qui résident dans le même quartier. La représentante du groupe, du nom de Marie Rose est celle qui a la main levée sur la photo. Marie Rose est âgée de 51 ans et vit au Bénin. Marie Rose n’a pas fréquenté l’école. Marie Rose est mariée à un militaire du nom de Constant. Le couple a quatre enfants, tous scolarisés et à leur charge. Marie Rose vit ensemble avec son mari et ses enfants. Le couple assure ensemble les divers besoins de la maison. Afin d’assurer les diverses charges de la famille, Marie Rose vend divers articles, des pièces détachées et des bois de chauffage de façon secondaire, à son domicile. Marie Rose s’approvisionne dans une région du Bénin. Dans la quête de la satisfaction de sa clientèle et pour accroître son chiffre d’affaires et son revenu, Marie Rose sollicite ensemble avec les autres membres du groupe AMIES DE JESUS 1, un troisième crédit auprès de ALIDé. Les deux premiers prêts 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.