The "Dieu est Grand" group comprises three people who live in the same house. The leader of the group, named Colette Titiola, is the woman whose hand is raised in the photo. Colette Titiola is 53 years old. She is a widow and has four children, all in school and in her care. Colette Titiola lives alone with her children and provides for them by herself. She has had a little bit of schooling. For close to 16 years, Colette Titiola has run a business selling various food items (maize, yams) at her home and through the distribution system. This business allows her to meet the needs of her family without too much difficulty. With the hope of better responding to her customers' needs, Colette Titiola wants to strengthen her business. She is seeking a loan with ALIDÉ together with the other members of the Dieu est Grand group. This loan will allow them to raise the level of their businesses and earn more profits.
Le groupe DIEU EST GRAND est formé de trois personnes qui habitent dans la même maison. La représentante de ce groupe, nommée Colette Titiola, est celle dont la main est levée sur la photo. Colette Titiola est âgée de 53 ans. Colette Titiola est une veuve et mère de quatre enfants, tous scolarisés et à sa charge. Colette Titiola vit seule avec ses enfants et assure seule leurs divers besoins. Colette Titiola a peu fréquenté. Il y a près de seize années que Colette Titiola exerce comme activité, la vente des produits vivriers (maïs, igname) à son domicile et par le système de distribution. Cette activité lui permet de répondre sans grande difficulté aux besoins de sa famille. Dans le souci de mieux répondre aux exigences de sa clientèle, Colette Titiola désire renforcer son activité. Pour ce faire, Colette Titiola sollicite, ensemble avec les autres membres du groupement DIEU EST GRAND, un crédit auprès de ALIDé. Ce crédit leur permettra à rehausser le niveau de leurs activité et à se faire plus de profits.
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.