The Jesutogbe 3 Group is made up of eight people, all of whom live in the same neighbourhood and run complementary businesses. The representative of the group, Zansi Christine (pictured with her hand raised), is 46 years old and married to a man named Emmanuel. The couple has five children, all of whom are in school and dependents.
Zansi Christine lives together with her husband and children. The couple works together to provide for the different needs of the household. Zansi Christine never attended school. Zansi Christine has been preparing food for a very long time (corn, rice, and bean pastries), which she sells from her home. Zansi Christine buys her stock at a market in Benin.
This is the fourth time that Zansi Christine and the other members of the Jesutogbe 3 Group have asked for financial support through ALIDé with a view to reinforcing their capital and businesses, as well as being able to better respond to the demands of their clientele.
JESUTOGBE 3 est un groupe de huit personnes, dont les membres résident dans le même quartier et mènent des activités complémentaires. La représentante du groupe, Zansi Christine (dont la main est levée sur la photo), est âgée de 46 ans et est mariée à un certain Emmanuel. Le couple a cinq enfants, tous scolarisés et à leur charge. Zansi Christine vit ensemble avec son mari et ses enfants. Le couple assure ensemble les différentes charges de la maison. Zansi Christine n’a pas fréquenté l'école. Il y a très longtemps que Zansi Christine prépare de la nourriture (pâte de maïs, riz, haricot) qu'elle vend à son domicile. Zansi Christine s’approvisionne dans un marché du Benin. C’est la quatrième fois que Zansi Christine et les autres membres du groupe JESUTOGBE 3 sollicitent l’appui financier de ALIDé en vue de renforcer leur fonds de roulement et leur activité et de mieux répondre aux exigences de leur clientèle.
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.