The group KPEMAHUTON consists of three members who all live together. The group is represented by Epiphanie, age 33, who has her hand raised in the photo. Epiphanie never attended school, but she learned hairstyling. She is married to a man named Marius, and the couple have three dependent children who all go to school.
Epiphanie lives with her husband and their children, and the couple handle the various household responsibilities together. To that end, Epiphanie has been selling hair extensions from her salon for the past nine years. She buys her stock at a market in Benin.
To achieve customer satisfaction, and to increase her sales and revenue, Epiphanie is seeking a first loan from ALIDé together with the other members of KPEMAHUTON.
Le groupe KPEMAHUTON est composé de trois personnes qui sont des cohabitantes. La représentante du groupe, nommée Epiphanie est celle qui a la main levée sur la photo. Epiphanie est âgée de 33 ans. Epiphanie n’a pas fréquenté l’école mais a appris la coiffure. Epiphanie est mariée à un certain Marius. Le couple a trois enfants, tous scolarisés et à leur charge. Epiphanie vit avec son mari et ses enfants. Le couple assure ensemble les charges familiales. Pour ce faire, en plus de son activité, Epiphanie vend des mèches dans son atelier depuis neuf ans. Epiphanie 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, Epiphanie sollicite ensemble avec les autres membres du groupe KPEMAHUTON, un premier 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.