YELIAN is a group which comprises seven women who live in the same neighborhood. The group's representative, named Jeanne Béatrice, is 42 years old. She is also the group member raising her hand in the photo. She is married to a man named Hubert. Together, they have thirteen children in their care, six of whom are their own children. Jeanne Béatrice and her husband live with their children and jointly take care of the various household expenses. Jeanne Béatrice left school at the primary level.
Jeanne Béatrice sells frozen products, food supplies and charcoal from her home, an activity which allows her to meet her family's needs without any major difficulty. Eager to better satisfy her customers' needs, she would like to strengthen her activity. In order to do so, she is requesting a first loan from ALIDé, along with the other members of the YELIAN group.
Le groupe YELIAN est formé de sept personnes qui résident dans le même quartier. La représentante de ce groupe, nommée Jeanne Béatrice, est âgée 42 ans. Jeanne Béatrice est celle dont la main est levée sur la photo. Jeanne Béatrice est mariée à un certain Hubert. Le couple à treize enfants à leur charge, dont six représentent leurs propres enfants. Jeanne Béatrice et son mari vivent ensemble avec leurs enfants et assurent ensemble les différentes charges de la maison. Jeanne Béatrice a arrêté l’école au niveau primaire. Jeanne Béatrice vend des produits congelés, des vivres et du charbon de bois à son domicile ; ce qui lui permet de répondre sans grande difficulté aux besoins de sa famille. Dans le souci de mieux satisfaire ses clients, Jeanne Béatrice désire renforcer son activité. Pour ce faire, Jeanne Béatrice sollicite, ensemble avec les autres membres du groupe YELIAN, un premier crédit auprès de ALIDé.
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.