The ENAGNON group is made up of three persons who live in the same neighborhood. The group representative, Denise, is the one who has her hand raised in the photo.
Denise is 31 and married to a man named Olivier. Denise did not attend school. The couple have six children, all enrolled in school and under their care. Denise lives together with her husband and her children. The couple share the responsibilities of supporting the household.
In order to be able to contribute to covering household expenses, for 17 years Denise has been selling cooked food (rice with sauce) in her neighborhood. This activity allows her to cater for her needs without great difficulty. She buys her supplies in a market in Bénin.
Wishing to satisfy her clientele and grow the turnover in her business, Denise, together with the other members of the group called ENAGNON, is requesting a loan from ALIDé. This loan will allow them to raise the level of their businesses and grow their clientele and their revenue.
Le groupe ENAGNON est composé de trois personnes qui résident dans un même quartier. La représentante du groupe, du nom de Denise est celle qui a la main levée sur la photo. Denise est âgée de 31 ans et est mariée à un certain Olivier. Denise n’a pas fréquenté l’école. Le couple a six enfants, tous scolarisés et à leur charge. Denise 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, Denise vend depuis dix sept ans, de la nourriture (riz accompagné de sauce) dans son quartier. Cette activité lui permet de répondre sans grande difficulté à ses besoins. Denise 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, Denise sollicite ensemble avec les autres membres du groupe ENAGNON, un crédit auprès de ALIDé. Ce prêt leur permettra de rehausser le niveau de leur activité et d’accroître leur clientèle et leur revenu.
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.