The group MIWONONVI comprises three persons who live in the same district. The group's representative, Goussi Louise, is 43 years old. She is the one in the photo with her hand raised. Goussi Louise no longer lives with her husband. She has one child, in school and in her care. Goussi Louise lives alone with her child and ensures by herself that the different household expenses are covered.
Goussi Louise did not attend school. She sells hardware products and has a secondary business styling hair at her home. This enables her to respond to her needs and those of her child without much difficulty.
Concerned about satisfying her customers, she would like to bolster her business. To do so, she is requesting, along with the other members of the group MIWONONVI, a second loan from ALIDé. The previous loan was indeed paid back.
Le groupe MIWONONVI est formé de trois personnes qui vivent dans le même quartier. La représentante de ce groupe, nommée Goussi Louise, est âgée 43 ans. Goussi Louise est celle dont la main est levée sur la photo. Goussi Louise ne vit plus avec son mari. Goussi Louise a un enfant, scolarisé et à sa charge. Goussi Louise vit seule avec son enfant et assure seule les différentes charges de la maison. Goussi Louise n’a pas fréquenté l’école. Goussi Louise vend des produits de quincaillerie et exerce comme activité secondaire la coiffure à son domicile ; ce qui lui permet de répondre sans grande difficulté à ses besoins et à ceux de son enfant. Dans le souci de mieux satisfaire ces clients, Goussi Louise désire renforcer son activité. Pour ce faire, Goussi Louise sollicite, ensemble avec les autres membres du groupe MIWONONVI, 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.