Merveille is a group consisting of three people who are friends. The representative named Akossouwa Anasthasie (whose hand is raised in the photo) is 44 years old. Akossouwa Anasthasie is married to a certain Félix. Akossouwa Anasthasie went to school up to the secondary level. The couple has two children in school and under their care. Akossouwa Anasthasie and her husband take care of the household responsibilities together. To cope with her different responsibilities, Akossouwa Anasthasie sells motor oil from her home. Akossouwa Anasthasie gets her supplies in a town of Bénin. With the goal of better responding to the demands of her more and more numerous clientele and to make more profits, Akossouwa Anasthasie is requesting a second loan from ALIDé together with the other members of the group Merveille. The first loan was well repaid.
MERVEILLE est un groupe composé de trois personnes qui sont des amies. La représentante nommée Akossouwa Anasthasie (dont la main est levée sur la photo), est âgée de 44 ans. Akossouwa Anasthasie est mariée à un certain Félix. Akossouwa Anasthasie a fréquenté l’école jusqu'au niveau secondaire. Le couple a deux enfants tous scolarisés et à leur charge. Akossouwa Anasthasie et son mari assure ensemble les charges de la maison. Pour faire face à ses différentes charges, Akossouwa Anasthasie vend de l'huile à moteur à son domicile. Akossouwa Anasthasie s’approvisionne dans une ville du Bénin. Dans le but de mieux répondre aux exigences de sa clientèle de plus en plus nombreuses et de se faire plus de profits, Akossouwa Anasthasie sollicite, ensemble avec les autres membres du groupe MERVEILLE un deuxième crédit auprès de ALIDé. Le premier crédit 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.