The Gbedokpo group is made up of three people who live in the same area. The representative of this group, named Bernadette, is the one whose hand is raised in the photo.
Bernadette is 42 years old and is married to a man named Désiré, a merchant. The couple has seven children, who are all still under their care. Some of the children have been to school. The couple lives together with their children and together they take care of the different household expenses. Bernadette has not been school.
It has been almost 19 years that Bernadette has been selling sheep in her area. This allows her to meet the needs of her family without much difficulty. In order to better respond to the needs of her customers, Bernadette wants to increase her business. To do this, Bernadette is asking, along with the other members of the Gbedokpo group, for a second loan through Alidé. Their previous loan has been fully repaid.
Le groupe GBEDOKPO est formé de trois personnes qui habitent dans le même quartier. La représentante de ce groupe, nommée Bernadette, est celle dont la main est levée sur la photo. Bernadette est âgée de 42 ans et est mariée à Désiré, un commerçant. Le couple a sept enfants, dont certains scolarisés et tous à leur charge. Le couple vit ensemble avec leurs enfants et assurent ensemble les diverses charges du foyer. Bernadette n’a pas fréquenté. Il y a près de dix neuf ans que Bernadette exerce comme activité, la vente de moutons 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, Bernadette désire renforcer son activité. Pour ce faire, Bernadette sollicite, ensemble avec les autres membres du groupe GBEDOKPO, un deuxième crédit auprès de ALIDé. Le prêt antérieur a été bien remboursé.
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.