The "Mahudjro 12" group comprises three people who are friends and live in the same area. The group leader, named Gbessouvègni Brigitte, is 33 years old and has her hand raised in the photo. Gbessouvègni Brigitte is married to Fiacre, a mechanic. The couple have two children, one of whom is in school. Gbessouvègni Brigitte and Fiacre live together with their children and provide for the various household expenses together. Gbessouvègni Brigitte did not attend school. For close to six years, she has run a business selling food items (maize, millet) at her home; this allows her to respond to her family's needs without too much difficulty. With the hope of better responding to the needs of her clientele, Gbessouvègni Brigitte wants to expand her business. To do this, she is seeking a fifth loan with ALIDÉ, along with the other members of the Mahudjro 12 group. The previous loans were all repaid properly.
Le groupe "MAHUDJRO12" est formé de trois personnes qui sont des amies et habitent dans le même quartier. La représentante de ce groupe, nommée Gbessouvègni Brigitte est âgée de 33 ans et est celle dont la main est levée sur la photo. Gbessouvègni Brigitte est mariée à Fiacre, un mécanicien. Le couple a deux enfants, dont un est scolarisé. Gbessouvègni Brigitte et Fiacre vivent ensemble avec leurs enfants et assurent ensemble les différentes charges de la maison. Gbessouvègni Brigitte n’a pas fréquenté l'école. Il y a près de six ans que Gbessouvègni Brigitte exerce comme activité, la vente de vivres (maïs, mil) à son domicile; 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, Gbessouvègni Brigitte désire renforcer son activité. Pour ce faire, Gbessouvègni Brigitte sollicite, ensemble avec les autres membres du groupe "MAHUDJRO12", un cinquième 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.