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El-Shaddaï Group
In this Group: Afiavi, Roberte, Nathalie, Yvette
The group EL-SHADDAÏ comprises four persons who are friends having the same businesses. The group's representative, Roberte, is the one in the photo with her hand raised. She is 46 years old and a widow. Roberte has had little schooling. She is the mother of two children, of whom one is in school and both are in her care. She lives alone with her children and ensures by herself that her diverse needs and those of her children are met.

To help with different household needs, Roberte has been selling plasticware and corn via the distribution system. This business enables her to meet her needs without much problem. She gets her supplies from a market in Benin.

Seeking to satisfy her customers and to increase her sales and revenues, Roberte, along with the other members of the group EL-SHADDAÏ, is requesting a fourth loan from ALIDé. This loan will enable them to raise their level of business and to grow their customer base and their revenues. The first three loans were indeed paid back.
View original language description ↓
Le groupe EL-SHADDAÏ est composé de quatre personnes qui sont des amies pratiquant les mêmes activités. La représentante du groupe, du nom de Roberte est celle qui a la main levée sur la photo. Roberte est âgée de 46 ans et est une veuve. Roberte a peu fréquenté l’école. Roberte est mère de deux enfants, dont un scolarisé et tous deux à sa charge. Roberte vit seule avec ses enfants et assure seule ses divers besoins ainsi que ceux de ses enfants. Pour parvenir aux différents besoins de la maison, Roberte vend des plastiques et du maïs par le système de distribution. Cette activité lui permet de répondre sans grande difficulté à ses besoins. Roberte 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, Roberte sollicite ensemble avec les autres membres du groupe EL-SHADDAÏ, un quatrième crédit auprès de ALIDé. Ce prêt leur permettra de rehausser le niveau de leur activité et d’accroître leur clientèle et leur revenu. Les trois premiers crédits ont été bien remboursés.

Additional Information

About Alidé

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.

About Benin

  • $1,500
    Average annual income
  • 0
    View loans »
    Benin Loans Fundraising
  • $4,467,950
    Funds lent in using Kiva
  • 531.0
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of El-Shaddaï Group's $925 loan helped a member to buy sacks of corn.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 18, 2012
Listed
Aug 17, 2012
Currency Exchange Loss:
Possible
Ended:
Aug 22, 2013