The group Nonvignon is made up of three people who live in the same neighborhood. This is the eighth time this group has requested financial aid from Alidé in order to increase their level of business. The representative of the group, Madina, is the woman raising her hand in the photo. Madina is 38 years old and is married to a man named Arouna. Madina did not attend school. The couple has three children under their charge, some of whom are in school. Madina lives with her husband and children. The couple share the various household responsibilities. To meet the various household needs of the family, Madina has sold food (corn, cassava root flour, and oil) for ten years in a Bénin market. This business allows her to meet her needs without much difficulty. Madina gets her supplies in a Bénin town. In the quest for customer satisfaction and to increase her revenue and income, Madina and the other group members of Nonvignon are requesting an eighth loan from Alidé. The previous loans have all been fully repaid.
Le groupe NONVIGNON est composé de trois personnes qui résident dans un même quartier. C'est la huitième fois que ce groupe sollicite l'aide financier de ALIDé, afin d'élever le niveau de son activité. La représentante du groupe, du nom de Madina est celle qui a la main levée sur la photo. Madina est âgée de 38 ans et est mariée à un certain Arouna. Madina n’a pas fréquenté l’école. Le couple a trois enfants, dont certains scolarisés et tous à leur charge. Madina vit ensemble avec son mari et ses enfants. Le couple se partage les différentes charges de la maison. Pour contribuer aux différents besoins de la famille, Madina vend depuis dix ans de la nourriture (de maïs, de farine de manioc et de l'huile) dans un marché du Bénin. Cette activité lui permet de répondre sans grande difficulté à ses besoins. Madina s’approvisionne dans une ville du Bénin. Dans la quête de la satisfaction de sa clientèle et pour accroître son chiffre d’affaires et son revenu, Madina sollicite ensemble avec les autres membres du groupe NONVIGNON, un huitième crédit auprès de ALIDé. Les prêts antérieurs 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.