SINSINDAGBE is a group made up of three members who live in the same neighborhood.
The group's representative, Raïmath, is the one raising her hand in the photo. She is a 36 years old and married to a man named Raoufou. Raïmath and Raoufou have two children, one of whom goes to school. Both their children are their dependents. Raïmath lives with her husband and children and shares with her husband the various expenses associated with raising their children.
Raïmath never attended school. For the past few years, she has been selling condiments from her home. She is passionate about her work, which allows her to meet her needs as well as those of her children. She buys her goods in a town located in Benin.
To ensure the satisfaction of her customers, Raïmath is requesting a fourth loan, along with the other members of the SINSINDAGBE group. This loan will help them to better meet their customers' expectations and to increase their profits. Previous loans have been duly repaid.
SINSINDAGBE est un groupe de trois personnes, dont les membres résident dans le même quartier. La représentante du groupe, Raïmath (dont la main est levée sur la photo), est âgée de 36 ans et est mariée à un certain Raoufou. Le couple a deux enfants dont un scolarisé et tous à leur charge. Raïmath vit ensemble avec son mari et ses enfants. Le couple se partage les différentes charges des enfants. Raïmath n’a pas fréquenté l’école. Il y a quelques années que Raïmath mène comme activité la vente des condiments à son domicile. Raïmath exerce cette activité passionnément, ce qui lui permet de subvenir à ses besoins et à ceux de ses enfants. Raïmath s'approvisionne dans une ville du Bénin. Dans la quête de la satisfaction de sa clientèle, Raïmath sollicite un quatrième crédit avec les autres membres du groupe SINSINDAGBE. Ce crédit leur servira à mieux répondre aux demandes de leur clientèle et à se faire plus de profits. Les crédits précédemment reçus 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.