SANG DE JESUS 1 is a group of three people. The members are friends and belong to the same savings group.
The group's leader, Fifadji Judith (hand raised in the photo) is 31 years old. She didn't attend school for very long. She is married to a driver named Samson. They have four children some of whom have been to school and who are all in their care. The children live with their parents. Together, Fifadji Judith and her husband meet the household expenses.
For almost three years, Fifadji Judith has been selling haberdashery items from home. She obtains her supplies in Nigeria and in a town in Benin.
This is the first time that Fifadji Judith has asked for a loan together with the other members of the SANG DE JESUS 1 group. The loan will allow them to increase their level of activity and make more profit.
SANG DE JESUS 1 est un groupe de trois personnes, dont les membres sont des amies et appartiennent à un même groupe de tontine. La représentante du groupe, Fifadji Judith (dont la main est levée sur la photo), est âgée de 31 ans. Fifadji Judith a peu fréquenté l'école. Fifadji Judith est mariée à un chauffeur du nom de Samson. Le couple a quatre enfants, dont certains scolarisés et tous à leur charge. Les enfants vivent ensemble avec leurs parents. Le couple assure ensemble les diverses charges de la maison. Il y a près de trois ans que Fifadji Judith vend des produits de mercerie à son domicile. Fifadji Judith s'approvisionne au Nigeria et dans une ville du Bénin. C’est la première fois que Fifadji Judith sollicite un crédit ensemble avec les autres membres du groupe SANG DE JESUS 1, crédit qui leur permettra surement à hausser le niveau de leurs activités 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.