Ifelodoun 3 is a group of three people who buy their stock in the same place and are associated in tontine contracts together. The leader of the group who is called Rouka Adjokê is the one with her hand raised in the photo. Rouka Adjokê is 32 years old and married to a man named Fataï. They have two children. Rouka Adjokê lives with her husband and her children. The couple shares the household expenses. To do this, Rouka Adjokê has been selling construction materials, cool boxes and shoes in the region for 16 years. She buys her stock in Togo and in Nigeria. Hoping to enlarge her business and satisfy the needs of her clientele, Rouka Adjokê and the other members of the Ifelodoun 3 group request a first loan from Alidé.
IFELODOUN 3 est un groupe de trois personnes qui s'approvisionnent au même endroit et font des tontines ensemble. La représentante du groupe, nommée Rouka Adjokê est celle qui a la main levée sur la photo. Rouka Adjokê âgée de 32 ans, est mariée à un certain Fataï. Le couple a deux enfants. Rouka Adjokê vit avec son mari et ses enfants. Le couple assure ensemble les charges de ménages. Pour ce faire, Rouka Adjokê vend des matériaux de construction, des glacières et des chaussures dans sa région depuis seize ans. Rouka Adjokê s'approvisionne dans au Togo et au Nigéria. Dans le but de renforcer son activité et de satisfaire la demande de sa clientèle, Rouka Adjokê s’associe avec les autres membres du groupe IFELODOUN 3 pour solliciter 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.