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Grâce De Dieu Group
In this Group: Valerie , Charlotte, Jocelyne Bamidélé
Group GRACE DE DIEU (God's Grace) is composed of three persons residing in the same neighborhood. This is the third time that this group is requesting ALIDé’s financial support in order to grow their business.

The group’s leader, named Valerie, is holding up her hand in the picture. Valerie is 29 years old and married to a driver named Pamphile. Valerie quit school at the primary school level. The couple has three children. Some of the children attend school; they are all financially dependent from their parents. Valerie lives together with her husband and her children. The couple shares household expenses.

To contribute to support her family, Valerie has been selling food products and palm oil from her house for over ten years. This activity allows her to meet her needs without major difficulty. Valerie gets her supplies from a market in Benin. In order to satisfy her customers and to increase her sales and her profits, Valerie is requesting a third loan from ALIDé together with the other members of group GRACE DE DIEU. Previous loans have been repaid on time and in full.
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Le groupe GRÂCE DE DIEU est composé de trois personnes qui résident dans le même quartier. C'est la troisième fois que ce groupe sollicite l'aide financier de ALIDé, afin d'élever le niveau de son activité. La représentante du groupe, du nom de Valerie est celle qui a la main levée sur la photo. Valerie est âgée de 29 ans et est mariée à un chauffeur nommé Pamphile. Valerie a arrêté l’école au niveau primaire. Le couple a trois enfants, dont certains sont scolarisés et tous à leur charge. Valerie vit ensemble avec son mari et ses enfants. Le couple se partage les différentes charges de la maison. Pour contribuer aux différents besoins de la famille, Valerie vend depuis plus de dix ans, des produits vivriers et de l’huile de palme à son domicile. Cette activité lui permet de répondre sans grande difficulté à ses besoins. Valerie s’approvisionne dans un marché du Bénin. Dans la quête de la satisfaction de sa clientèle et pour accroître son chiffre d’affaires et son revenu, Valerie sollicite ensemble avec les autres membres du groupe GRÂCE DE DIEU, un troisième crédit auprès de ALIDé. Les prêts antérieurs ont été bien remboursés.

Additional Information

About Alidé

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.

About Benin

  • $1,600
    Average annual income
  • 0
    View loans »
    Benin Loans Fundraising
  • $4,467,950
    Funds lent in using Kiva
  • 515.9
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Grâce De Dieu Group's $300 loan helped a member to purchase food products and palm oil.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Oct 12, 2012
Nov 13, 2012
Currency Exchange Loss:
Aug 22, 2013