Djromahuton is a group of three members who are friends. The leader of the group, Mariette Ayinon (who has her hand raised in the photo), is 32 and married to Blaise, a driver. The couple has four children, some of whom go to school and all of whom are dependent. Mariette Ayinon and her husband live together with their children and share the various household expenses. Mariette Ayinon never went to school. For over twenty years she has been selling various products (conserves, fruit, and shoes) in her region. Mariette Ayinon works with passion, which enables her to meet her own and her children's needs. She buys her stock locally. Hoping to come up to her clients' expectations, Mariette Ayinon requests a fourth loan with the other members of her group Djromahuton. This loan will enable them to respond to their customers' needs and make more profit. The previous credits were correctly repaid.
DJROMAHUTON est un groupe de trois personnes, dont les membres sont des amies. La représentante du groupe, Mariette Ayinon (dont la main est levée sur la photo), est âgée de 32 ans et est mariée à Blaise, un chauffeur. Le couple a quatre enfants dont certains scolarisés et tous à leur charge. Mariette Ayinon et son mari vivent ensemble avec leurs enfants et assurent ensemble les différentes charges de la maison. Mariette Ayinon n’a jamais été l’école. Il y a plus de vingt ans que Mariette Ayinon mène comme activité la vente de divers produits (conserves, fruits et des chaussures) dans sa région. Mariette Ayinon exerce cette activité passionnément, ce qui lui permet de subvenir à ses besoins et à ceux de ses enfants. Mariette Ayinon s’approvisionne dans sa région. Dans la quête de la satisfaction de sa clientèle, Mariette Ayinon sollicite un quatrième crédit avec les autres membres du groupe DJROMAHUTON. 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.