The Ha-Cheme Group is made up of two women who live in the same district. The representative of this group, Yvette Aurelie, is shown in the photo with her hand raised. She is 43 years old and no longer lives with her husband. Yvette Aurelie is the mother of one child who attends school and is her dependent.
Yvette Aurelie lives alone with her child, and is the sole provider for both her needs and those of her child. Yvette Aurelie has had little schooling. For nearly eighteen years she has been running her business selling clothes through a distribution system. This has allowed her to pay for her expenses without too much difficulty. In order to better meet the needs of her customers, Yvette Aurelie wants to expand her business. To do this, Yvette Aurelie, along with the other member of the Ha-Cheme Group, is requesting her fourth loan from Alidé. Her previous loans have been repaid in full.
Le groupe HA-CHEME est formé de deux personnes qui habitent dans le même quartier. La représentante de ce groupe, nommée Yvette Aurelie, est celle dont la main est levée sur la photo. Yvette Aurelie est âgée de 43 ans et ne vit plus avec son mari. Yvette Aurelie est mère d'un enfant scolarisé et à sa charge. Yvette Aurelie vit seule avec son enfant, et assure seule ses divers besoins ainsi que ceux de son enfant. Yvette Aurelie a peu fréquenté l’école. Il y a près de dix huit ans que Yvette Aurelie exerce comme activité, la vente des vêtements par le système de distribution ; ce qui lui permet de faire face sans grande difficulté à ses charges. Dans le souci de mieux répondre aux exigences de sa clientèle, Yvette Aurelie désire renforcer son activité. Pour ce faire, Yvette Aurelie sollicite, ensemble avec le second membre du groupe HA-CHEME, un quatrième crédit auprès de ALIDé. Les prêts antérieurs 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.