JESUDJRO 14 is a group of three persons whose members are friends belonging to the same tontine. The group's representative, Josiane (whose hand is raised in the photo) is 43 years old and married to a printer by the name of Albert. Josiane left secondary school and learned how to sew. The couple have three children, all in school and in their care. She lives together with her husband and children and jointly ensures along with her husband that the diverse household expenses are covered.
To cope with her different expense, Josiane has been sewing for about twenty years in her home. On the side, she sells kitchen utensils and plates. She gets her supplies from a city in Benin and from Togo.
Seeking to satisfy her customers and aiming to expand her business, Josiane and the other members of the group JESUDJRO 14 are requesting a loan from ALIDé. This loan will be used to respond better to customer demands and to make more profit.
JESUDJRO 14 est un groupe de trois personnes, dont les membres sont des amies et appartiennent à un même groupe de tontine. La représentante du groupe, Josiane (dont la main est levée sur la photo), est âgée de 43 ans. Josiane est mariée à un imprimeur du nom de Albert. Josiane arrêté l’école au niveau secondaire et a appris la couture. Le couple a trois enfants tous scolarisés et à leur charge. Josiane vit ensemble avec son mari et ses enfants. Josiane assure ensemble avec son mari, les diverses charges de la maison. Pour faire face à ses différentes charges, Josiane exerce depuis une vingtaine d’année, la couture à son domicile. De façon secondaire, Josiane vend des ustensiles de cuisine et des assiettes. Josiane s’approvisionne dans une ville du Bénin et au Togo. Dans la quête de la satisfaction de sa clientèle et en vue élargir son activité, Josiane sollicite un crédit auprès de ALIDé, ensemble avec les autres membres du groupe JESUDJRO 14. Ce crédit leur servira à mieux répondre aux demandes de leur clientèle et à se faire plus de profits.
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.