EXAUCE DE DIEU Group is made up of three people who live in the same house. The group's representative, named Rouyakatou, is the one raising her hand in the photograph. She's 25 years old and never attended school. For about ten years, Rouyakatou has been selling various items (sugar, milk, soaps) and condiments in her shop. As a secondary business, she also braids hair.
Rouyakatou is married to a vulcanizer named Ignace. The couple has three school-attending children, whom they have to support. Rouyakatou lives together with her husband and children. The couple jointly takes care of the family expenses.
Rouyakatou gets her supplies in a market in Benin. Eager to satisfy her clientele and increase her revenue and income, Rouyakatou, together with the other members of her group, is seeking a fourth loan from Kiva's partner, ALIDé. Previous loans were repaid without problems.
Le groupe EXAUCE DE DIEU est composé de trois personnes qui sont des cohabitantes. La représentante du groupe, du nom de Rouyakatou est celle qui a la main levée sur la photo. Rouyakatou est âgée de 25 ans. Rouyakatou n’a pas fréquenté l’école. Depuis une dizaine d'années Rouyakatou vend des divers( sucre, lait, savons) et des condiments dans sa boutique. De façon secondaire Rouyakatou fait de la tresse. Rouyakatou est mariée à un vulgarisateur du nom de Ignace. Le couple a trois enfants tous scolarisés et à leur charge. Rouyakatou vit ensemble avec son mari et ses enfants. les différentes charges de la famille sont assumées par Rouyakatou et son mari. Rouyakatou s’approvisionne dans un marché du Bénin. Dans la quête de la satisfaction de sa clientèle et pour accroître son chiffre d’affaires et son revenu, Rouyakatou sollicite ensemble avec les autres membres du groupe EXAUCE DE DIEU, un quatrième crédit auprès de ALIDé. Les prêts antérieurs ont été bien remboursés.
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.