"NONVIGNON" is a group made up of three friends. Zinhoué Jeanne (who is raising her hand in the photo) is the group's representative. She is 31 years old. She stopped her studies at secondary school. Zinhoué Jeanne is married to a professor named Euloge. The couple has two children, both of whom live in their care. One of their children goes to school. Zinhoué Jeanne lives with her husband and her children. She covers the various household expenses with her husband.
To cover the various expenses, Zinhoué Jeanne runs a hair salon in a studio that she rented in her neighborhood. On the side, she sells hair extensions and cosmetic products. She has been running this business for five years now, and she stocks up at a market in Benin.
In order to meet the demand of her growing customer base and earn more profit, Zinhoué Jeanne, along with the other members of the "NONVIGNON" group, is seeking a second loan from ALIDé. The first loan was paid back correctly.
«NONVIGNON» est un groupe composé de trois personnes qui sont des amies. La représentante du groupe du nom de Zinhoué Jeanne (dont la main est levée sur la photo), est âgée de 31 ans. Zinhoué Jeanne a arrêté l’école au niveau secondaire. Zinhoué Jeanne est mariée à un professeur du nom de Euloge. Le couple a deux enfants dont un scolarisé et tous à leur charge. Zinhoué Jeanne vit ensemble avec son mari et ses enfants. Zinhoué Jeanne assure ensemble avec son mari, les diverses charges du foyer. Pour faire face à ses différentes charges, Zinhoué Jeanne mène comme activité, la coiffure dans un atelier qu’elle a loué dans son quartier. Secondairement à cette activité, Zinhoué Jeanne vend des mèches et des produits cosmétiques. Zinhoué Jeanne exerce cette activité depuis cinq ans et s’approvisionne dans un marché du Bénin. Afin de mieux répondre aux exigences de sa clientèle de plus en plus nombreuses et de se faire plus de profits, Zinhoué Jeanne sollicite, ensemble avec les autres membres du groupe «NONVIGNON» un deuxième crédit auprès de ALIDé. Le premier prêt a été bien remboursé.
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.