GBENONKPO is a group of three persons whose members are friends. The group's representative, Lucienne (whose hand is raised in the photo), is 35 years old and married to a blacksmith named Marcellin. The couple have four children, none in school, but one remains in their care. Mariam and her husband live together with their child.
Lucienne did not attend school. For nearly six years, she has been selling empty bottles at a market in Benin. She gets her supplies from a market in Benin.
Seeking to satisfy her customers, Lucienne is requesting, along with the other members of the group GBENONKPO, a fifth loan that will be used to respond better to customer demands and to make more profit. The previous loans were indeed paid back.
GBENONKPO est un groupe de trois personnes, dont les membres sont des amies. La représentante du groupe, Lucienne (dont la main est levée sur la photo), est âgée de 35 ans et est mariée à un forgeron du nom de Marcellin. Le couple a quatre enfants, dont aucun scolarisé, et un reste à leur charge. Lucienne et son mari vivent ensemble avec leur enfant. Lucienne n’a pas fréquenté. Il y a près de six ans que Lucienne mène comme activité la vente des bouteilles vides dans un marché du Bénin. Lucienne s’approvisionne dans un marché du Bénin. Dans la quête de la satisfaction de sa clientèle, Lucienne sollicite un cinquième crédit avec les autres membres du groupe GBENONKPO. Ce crédit leur servira à mieux répondre aux demandes de leur clientèle et à se faire plus de profits. Les crédits 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.