The Kou-Masse group is made up of 3 people who live in the same district. The group's representative, Elise, is 39 years old. Elise is the one with her hand raised in the picture. She is married to a welder called Guillaume. The couple have 4 dependent children, some of whom attend school. Eilse and her husband live together with their children and both take care of the various household expenses.
Elise did not go to school. She sells charcoal, liquid soap and corn porridge from her home, which enables her to meet her family's needs without too much difficulty. Elise would like to strengthen her business, so that she can better satisfy her customers. In order to do this, she is requesting a 2nd loan from ALIDé, together with the other members of the Kou-Masse group. The previous loan has been properly repaid.
Le groupe KOU-MASSE est formé de trois personnes qui vivent dans le même quartier. La représentante de ce groupe, nommée Elise, est âgée 39 ans. Elise est celle dont la main est levée sur la photo. Elise est mariée à un soudeur nommé Guillaume. Le couple a quatre enfants, dont certains sont scolarisés et tous à leur charge. Elise et son mari vivent ensemble avec leurs enfants et assurent ensemble les différentes charges de la maison. Elise n’a pas fréquenté l’école. Elise vend du charbon de bois, du savon liquide et de la bouillie de maïs 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, Elise désire renforcer son activité. Pour ce faire, Elise sollicite, ensemble avec les autres membres du groupe KOU-MASSE, 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.