DJRMAHUTON is a group with three members who are friends and all shop in the same area. The leader of the group, Afia Gnonnougan (with her hand raised in the photo), is 42 years old and married to a man named Jean. Afia Gnonnougan has three children who are all in school and in her care. Afia Gnonnougan lives together with her husband and children. Together they are responsible for all the household expenses. She didn't finish much school. It has been almost 12 years since she begun selling firewood and notions from her home in order to pay for all the household expenses. Afia Gnonnougan buys her inventory in Benin. In an effort to satisfy her client's needs, she is requesting her fourth loan along with the other members of her group, DJRMAHUTON. The loan will help her better respond to her client's needs and increase profits. The previous loans were all properly reimbursed.
DJRMAHUTON est un groupe de trois personnes, dont les membres sont des amies s’approvisionnant au même endroit. La représentante du groupe, Afia Gnonnougan (dont la main est levée sur la photo), est âgée de 42 ans et est mariée à un certain Jean. Afia Gnonnougan est mère de trois enfants tous scolarisés et à la charge du couple. Afia Gnonnougan vit ensemble avec ses enfants et son mari. Le couple assure ensemble les diverses charges du ménage. Afia Gnonnougan a peu fréquenté l’école. Il y a près de douze ans que Afia Gnonnougan mène comme activité la vente des fagots de bois et des articles de mercerie à son domicile. Afia Gnonnougan mène cette activité afin de pourvoir aux besoins du ménage. Afia Gnonnougan s’approvisionne dans une région du Bénin. Dans la quête de la satisfaction de sa clientèle, Afia Gnonnougan sollicite un quatrième crédit avec les autres membres du groupe DJRMAHUTON. 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.