The DA-YATO group has three members who all live in the same neighbourhood. The group leader, Akouavi Pélagie, is shown in the photo with her hand raised.
Akouavi Pélagie is 41 years old and married to Fataï. The couple have four children, some of whom are in school. The couple live together with their children and are jointly responsible for the various household costs.
Akouavi Pélagie attended school to primary level. For nearly 12 years, she has been running a business selling cosmetics and fabrics from home. This enables her to provide for her family without too much difficulty.
In order to better meet her customers’ needs, Akouavi Pélagie would like to buy cosmetic products and fabrics to reinforce her business. In order to do this, she has requested her first loan from Alidé along with the other members of the DA-YATO group.
Le groupe DA-YATO est formé de trois personnes qui résident dans le même quartier. La représentante de ce groupe, nommée Akouavi Pélagie, est celle dont la main est levée sur la photo. Akouavi Pélagie est âgée de 41 ans, est mariée à Fataï. Le couple à quatre enfants dont certains scolarisés. Le couple vit ensemble avec leurs enfants et assurent ensemble les diverses charges du foyer. Akouavi Pélagie a fréquenté jusqu'au niveau primaire. Il y a près de douze ans que Akouavi Pélagie exerce comme activité, la vente des produits cosmétiques et des tissus 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, Akouavi Pélagie désire acheter des produits cosmétiques et des tissus pour renforcer son activité. Pour ce faire, Akouavi Pélagie sollicite, ensemble avec les autres membres du groupe DA-YATO, un premeir 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.