WIBATIN is a group of three persons whose members reside in the same district. The group's representative, Mahussi (whose hand is raised in the photo), is 40 years old. She is married to a farmer named Daniel. The couple have four children, all in school and in their care. The couple live together with their children and jointly ensure that the different household needs are met.
Mahussi did not attend school. For nearly ten years, she has had a business selling staples (vegetable oil, rice) at a market in Benin. She operates this business with passion, and this enables her to meet her needs. She gets her supplies from a region in Benin.
Seeking to satisfy her customers, Mahussi is requesting, along with the other members of the group WIBATIN, a third loan, which they will use to respond better to the demands of their customers and to make more profit. The previous loans were indeed paid back.
WIBATIN est un groupe de trois personnes, dont les membres résident dans le même quartier. La représentante du groupe, Mahussi dont la main est levée sur la photo), est âgée de 40 ans. Mahussi est mariée à un cultivateur du nom de Daniel. Le couple a quatre enfants tous scolarisés et à leur charge. Le couple vit ensemble avec les enfants et assure ensemble, les différents besoins du ménage. Mahussi n’a pas fréquenté l’école. Il y a près de dix ans que Mahussi mène comme activité la vente des vivres (huile végétale, riz) dans un marché du Bénin. Mahussi exerce cette activité passionnément, ce qui lui permet de subvenir à ses besoins. Mahussi s’approvisionne dans une région du Bénin. Dans la quête de la satisfaction de sa clientèle, Mahussi sollicite un troisième crédit avec les autres membres du groupe WIBATIN. 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.