The "Tohami" group comprises four people who all run income-generating activities. The group leader, Wassiath, is the woman whose hand is raised in the photo. Wassiath is 54 years old and married to a man named Moubinou. Wassiath has had a little bit of schooling. The couple have five children, all in school and in the care of their parents. Wassiath and her husband live together with their children and provide for the household together. For close to four years, Wassiath has sold various items at her home. She runs this business passionately, which allows her to meet her needs and those of her children. Wassiath gets her supplies at a market in Benin. With the goal of satisfying her customers, Wassiath is seeking a third loan with ALIDÉ, along with the other members of the Tohami group. This loan will allow them to better respond to their customers' needs and earn higher profits. All the previous loans were repaid properly.
TOHAMI est un groupe de quatre personnes qui exercent toutes des activités génératrices de revenus. la représentante du groupe, Wassiath est celle qui a la main levée sur la photo. Wassiath est âgée de 54 ans et est mariée à un certain Moubinou. Wassiath a peu fréquenté. Le couple a cinq enfants tous scolarisés et à leur charge. Wassiath et son mari vivent ensemble avec leurs enfants et assurent ensemble les différentes charges de la maison. Il y a près de quatre ans que Wassiath vend les produits divers à son domicile. Wassiath exerce cette activité passionnément, ce qui lui permet de subvenir à ses besoins et à ceux de ses enfants. Wassiath s’approvisionne dans un marché du Bénin. Dans la quête de la satisfaction de sa clientèle, Wassiath sollicite ensemble avec les autres membres du groupe TOHAMI, un troisième crédit auprès de ALIDé. Ce crédit leur servira à mieux répondre aux demandes de leur clientèle et à se faire plus de profits. 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.