The "GF MAHUKPEGO" group is made up of three people who are friends and live in the same village. The group representative, Bernice, is pictured raising her hand. She is 44 and married to a farmer named Phillipe. She did not attend school. She and her husband have four children, some of whom are in school, all of whom are under their care. The family shares the family responsibilities. For 20 years, Bernice has been a farmer. With the goal of improving her farm and better responding to customer demand, Bernice wants to buy supplies for cultivating corn, gumbo, and peppers. Bernice gets her supplies in a market in Benin. She and her fellow GF MAHUKPEGO group members want to get a fifth loan from ALIDe. Their previous loans were paid back well.
Le groupe "GF MAHUKPEGO" est formé de trois personnes qui sont des amies et habitent le même village. La représentante de ce groupe, nommée Bernice, est celle dont la main est levée sur la photo. Bernice est âgée de 44 ans et mariée un cultivateur du nom de Phillipe. Bernice n’a pas fréquenté l'école. Le couple a quatre enfants, dont certains sont scolarisés et tous à leur charge. Le couple assure ensemble avec leur enfants les diverses charges familiales. Il y a vingt ans que Bernice exerce comme activité l’agriculture. Dans le but de renforcer son activité et de mieux répondre à la demande de sa clientèle, Bernice désire acheter des intrants pour cultiver du maÏs, du gombo et du piment. Bernice s'approvissionne dans un marché du Bénin. Bernice ensemble avec les autres membres du groupe "GF MAHUKPEGO" désire obtenir un cinquième financement auprès de ALIDé. Les crédits précédents 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.