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Avan-Nah Group
In this Group: Kwassialé Hermance, Agathe, Akoua Fréda
The group AVAN-NAH comprises three persons who reside in the same district. The group's representative, Kwassialé Hermance, is the one in the photo with her hand raised. She is 39 years old and married to a man named Norbert. Kwassialé Hermance has had little schooling but learned how to sew. The couple have two children, of whom one is in school, and both are in their care. Kwassialé Hermance lives together with her children and husband. The couple share in covering the different household expenses.

To help with different family needs, Kwassialé Hermance has been sewing for nine years in her workshop located in her district. Parallel to this work, she sells cloth, hair extensions, and beauty products in her shop. This work 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, Kwassialé Hermance, along with the other members of the group AVAN-NAH, is requesting a second loan from ALIDé. This loan will enable them to raise their level of business and to grow their customer base and their revenues. The previous loan was indeed paid back.
View original language description ↓
Le groupe AVAN-NAH est composé de trois personnes qui résident dans un même quartier. La représentante du groupe, du nom de Kwassialé Hermance est celle qui a la main levée sur la photo. Kwassialé Hermance est âgée de 39 ans et est mariée à un certain Norbert. Kwassialé Hermance a peu fréquenté l’école et a appris la couture. Le couple a deux enfants, dont un scolarisé et tous à leur charge. Kwassialé Hermance 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, Kwassialé Hermance exerce depuis neuf ans, la couture dans son atelier situé dans son quartier. Parallèlement à cette activité, Kwassialé Hermance vend des tissus, des mèches et des produits de beauté dans son atelier. Ces activités lui permettent de répondre sans grande difficulté à ses besoins. Kwassialé Hermance 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, Kwassialé Hermance sollicite ensemble avec les autres membres du groupe AVAN-NAH, un deuxième crédit auprès de ALIDé. Ce prêt leur permettra de rehausser le niveau de leur activité et d’accroître leur clientèle et leur revenu. Le prêt antérieur a été bien remboursé.

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

  • $1,600
    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 Avan-Nah Group's $575 loan helped a member to buy cloth, hair extensions, and beauty products to sell.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jul 20, 2012
Aug 17, 2012
Currency Exchange Loss:
Jul 25, 2013