NONVIGNON is a group of 11 people who all live in the same district in Bénin. The leader of the group, Sylvie Arlette Enagnon, (whose hand is raised in the photo), is 53 years old and married to a man named Paulin. The couple has four children, all of whom have attended school, and three of whom remain in their care. Sylvie Arlette Enagnon and her husband live with their children and together they meet their different household responsibilities. Sylvie Arlette Enagnon left school at the secondary level. For about 10 years, she has been in the business of selling condiments and firewood from her home. She is enthusiastic about her business, which allows her to meet her needs and those of her children. She gets her supplies at a market in Bénin and in one of the regions of Bénin. In hopes of meeting the demand of her customers, Sylvie Arlette Enagnon, along with the other members of the NONVIGNON group, is requesting a third loan. This loan will allow them to respond better to the demand of their customers and to make higher profits. The previous loans have been fully repaid.
NONVIGNON est un groupement de onze personnes, dont les membres résident dans le même quartier au Bénin. La représentante du groupe, Sylvie Arlette Enagnon (dont la main est levée sur la photo), est âgée de 53 ans et est mariée à un certain Paulin. Le couple a quatre enfants tous scolarisés dont trois restent à leur charge. Sylvie Arlette Enagnon et son mari vivent ensemble avec leurs enfants et assurent ensemble les différentes charges de la maison. Sylvie Arlette Enagnon a arrêté l’école au niveau secondaire. Il y a près de dix ans que Sylvie Arlette Enagnon mène comme activité la vente de condiments et des bois de chauffage à son domicile. Sylvie Arlette Enagnon exerce cette activité passionnément, ce qui lui permet de subvenir à ses besoins et à ceux de ses enfants. Sylvie Arlette Enagnon s’approvisionne dans un marché du Bénin et dans une région du Bénin. Dans la quête de la satisfaction de sa clientèle, Sylvie Arlette Enagnon sollicite un troisième crédit avec les autres membres du groupement NONVIGNON. Ce crédit leur servira à mieux répondre aux demandes de leur clientèle et à se faire plus de profits. Les crédits précédents 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.