Sessi 1 is a group with three members, who all live in the same neighborhood and get their supplies in the same place. The group’s representative is called Bodouni Tatiana, and is pictured with her hand raised in the photo. She is 32 years of age, and is married to Abel. The couple has two children, both at school and under their care, and the family lives together. The couple makes sure that the various household expenses are covered.
Bodouni Tatiana did not go to school, and for almost 15 years has worked selling rice, cool boxes and miscellaneous products in a neighborhood in Benin. She is passionate about her business, which allows her to provide for herself. Bodouni Tatiana gets her supplies from a market in Benin, and in order to ensure customer satisfaction, she has asked for her first loan along with the other members of the Sessi 1 group. This loan will allow them to better meet their customers’ needs, as well as to generate more profits.
SESSI 1 est un groupe de trois personnes, dont les membres sont des amies résidant dans le même quartier et s’approvisionnant au même endroit. La représentante du groupe, Bodouni Tatiana dont la main est levée sur la photo), est âgée de 32 ans. Bodouni Tatiana est mariée à un certain Abel. Le couple a deux enfants tous scolarisés et à leur charge. Le couple vit ensemble avec les enfants et assure ensemble, les différents besoins du ménage. Bodouni Tatiana n’a pas fréquenté l’école. Il y a près de quinze ans que Bodouni Tatiana mène comme activité la vente de riz, des glacières et divers produits dans un quartier du Bénin. Bodouni Tatiana exerce cette activité passionnément, ce qui lui permet de subvenir à ses besoins. Bodouni Tatiana s’approvisionne dans un marché du Bénin. Dans la quête de la satisfaction de sa clientèle, Bodouni Tatiana sollicite un premier crédit avec les autres membres du groupe SESSI 1. Ce crédit leur servira à mieux répondre aux demandes de leur clientèle et à se faire plus de profits.
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.