The Mahuclo group is made up of three people who are sisters and friends. The leader of this group, named Semedeton Appoline, is the one with her hand raised in the photo. This is the first time that this group requests financial support from ALIDé, aiming to raise the standard of their activity. Semedeton Appoline is 29 years old and is married to a certain Justin. The couple has three children, all of which go to school, two of whom at their expense. The couple lives with their children and provides together for the various family needs. Semedeton Appoline stopped attending school at the secondary level. For about two years, Semedeton Appoline has been selling various grocery products in her district; which enables her to provide for her family's needs without too much difficulty. In order to satisfy her customers' demands more adequately, Semedeton Appoline wishes to reinforce her activity. To do so, with the other members of the Mahuclo group, she requests a first loan from ALIDé.
Le groupe MAHUCLO est formé de trois personnes qui sont des sœurs et des amies. La représentante de ce groupe, nommée Semedeton Appoline, est celle dont la main est levée sur la photo. C’est la première fois que ce groupe sollicite l’appui financier de ALIDé en vue d’élever le niveau de leur activité. Semedeton Appoline est âgée de 29 ans et est mariée à un certain Justin. Le couple a trois enfants, tous scolarisés, dont deux sont à leur charge. Le couple vit ensemble avec leurs enfants et subvient ensemble aux divers besoins de la famille. Semedeton Appoline a arrêté l’école au cours secondaire. Il y a près de deux ans que Semedeton Appoline exerce comme activité, la vente de divers (vivres) dans son quartier ; ce qui lui permet de répondre sans grande difficulté aux besoins de sa famille. Dans le souci de mieux répondre aux exigences de sa clientèle, Semedeton Appoline désire renforcer son activité. Pour ce faire, Semedeton Appoline sollicite, ensemble avec les autres membres du groupe MAHUCLO, un premier crédit auprès de 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.