The NONVIGNON group consists of three members who live in the same neighborhood. The group's representative, named Akossiwa Mauriena, is the woman raising her hand in the photo. It is the fourth time that this group is requesting financial assistance from ALIDé, in order to increase the level of its activity.
Akossiwa Mauriena is 29 years old and married to a photographer named Gildas. They have one child, who goes to school and is their financial dependent. Akossiwa Mauriena lives with her child and husband. The couple jointly takes care of the household needs. In order to meet her various expenses, Akossiwa Mauriena has been selling fabrics, through the distribution system, for almost eight years. She stocks up in Lomé, Togo.
Eager to further strengthen her activity and to better meet the expectations of her customers, Akossiwa Mauriena would like to increase her stock of merchandise. In order to do so, she and the other members of the NONVIGNON group, are requesting a fourth loan from ALIDé.
Le groupe NONVIGNON est formé de trois personnes qui résident dans le même quartier. La représentante de ce groupe, nommée Akossiwa Mauriena, est celle dont la main est levée sur la photo. C’est la quatrième fois que ce groupe sollicite l’appui financier de ALIDé en vue d’élever le niveau de leur activité. Akossiwa Mauriena est âgée de 29 ans et est mariée à un photographe nommé Gildas. Le couple a un enfant, qui est scolarisé et à leur charge. Akossiwa Mauriena vit ensemble avec son enfant et son mari. Le couple subvient ensemble aux divers besoins du ménage. Pour faire face à ses différentes charges, Akossiwa Mauriena vend des tissus par le système de distribution depuis près de huit ans. Akossiwa Mauriena s’approvisionne à Lomé au Togo. Dans le souci de renforcer davantage son activité et de mieux répondre aux exigences de sa clientèle, Akossiwa Mauriena désire augmenter le stock de ses produits. Pour ce faire, Akossiwa Mauriena sollicite ensemble avec les autres membres du groupe NONVIGNON, un quatrième 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.