Ataley 1 is a group of 20 people, all of whom live in the same neighborhood and belong to the same association. The president of the group is called Pascaline Afiavi, and is pictured with her hand raised in the photo. She is 42 years of age, and is married to Eric. The couple has two children, both at school and both under their care. Pascale Afiavi lives with her husband and children, and together the couple ensures that the various household expenses are covered.
Pascaline Afiavi went to high school and, for about three years, has worked selling plastic kitchen utensils and sets of bowls through the distribution system. She gets her supplies from a market in Benin.
Faced with growing demand from her customers, Pascaline Afiavi plans to increase her working capital and expand her business, so that she can better meet her customers’ requests. This is why she has requested financing from ALIDé, along with the other members of the Ataley 1 group.
ATALEY 1 est un groupement de vingt personnes, dont les membres vivent ensemble dans le même quartier et appartiennent à une même association. La présidente du groupement, Pascaline Afiavi (dont la main est levée sur la photo), est âgée de 42 ans. Pascaline Afiavi est mariée à un certain Eric. Le couple a deux enfants, tous scolarisés et à leur charge. Pascaline Afiavi vit avec son mari et ses enfants. Le couple assure ensemble les charges de la maison. Pascaline Afiavi a fréquenté l'école jusqu'au secondaire. Il y a environs trois ans que Pascaline Afiavi vend des ustensiles de cuisine en plastique et des bols en séries par le système de distribution. Pascaline Afiavi s'approvisionne dans un marché du Bénin. Face à la demande de plus en plus croissante de sa cliente, Pascaline Afiavi ambitionne augmenter son fonds de roulement et rehausser le niveau de son activité, afin de mieux répondre aux exigences de sa clientèle. C'est la raison pour laquelle Pascaline Afiavi sollicite un financement de ALIDé, ensemble avec les autres membres du groupement ATALEY 1.
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.