LA TRINITE is a group consisting of five members who live in the same neighborhood. Justine, the group's representative, is the woman raising her hand in the photo.
Justine is 45 years old and did not attend school. She is married to a mechanic named Justin. Justine and Justin have three children, all in school and their dependents. Justine lives with her husband and her children and takes care of the various household expenses with her husband. In order to cover her various expenses, she has been selling shoes, door to door, for almost eight years. She stocks up at a market in Bénin.
Eager to further strengthen her activity and to better meet the demands of her customers, Justine would like to increase her stock of merchandise. In order to do so, she and the other members of LA TRINITE are requesting their second loan from ALIDé.
Le groupe LA TRINITE est formé de cinq personnes qui résident dans le même quartier. La représentante de ce groupe, nommée Justine, est celle dont la main est levée sur la photo. Justine est âgée de 45 ans et n'a pas fréquenté l'école. Justine est mariée à un mécanicien nommé Justin. Le couple a trois enfants tous scolarisés et à leur charge. Justine vit ensemble avec ses enfants et son mari. Le couple assure ensemble les charges de la maison. Pour faire face à ses différentes charges, Justine vend des chaussures de façon ambulante, depuis près de huit ans. Justine s’approvisionne dans un marché du Bénin. Dans le souci de renforcer davantage son activité et de mieux répondre aux exigences de sa clientèle, Justine désire augmenter le stock de ses produits. Pour ce faire, Justine sollicite ensemble avec les autres membres du groupe LA TRINITE, un deuxième crédit 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.