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Avan-Nah Group
In this Group: K. Hermance A., Agathe, Akoua Fréda
AVAN-NAH is a group of three people who are neighbours. The leader of the group who is named K. Hermance A (the one with her hand raised in the photo), is 40 years old. K. Hermance A went to school very little, but learned how to be a hairdresser. K. Hermance A is married to a man called Norbert. They have two children, both attend school at their expense. K. Hermance A lives with her husband and her children. The couple shares the household expenses. To cope with her various expenses, K. Hermance A has been selling strands of hair and cosmetic products in her studio for seven years. She buys her stock at a market in Benin. In order to satisfy the demands of her growing clientele and to make more profit, K. Hermance A and the other members of the AVAN-NAH group request a third loan from Alidé. The previous loans have been repaid.
AVAN-NAH est un groupe composé de trois personnes qui sont des cohabitantes. La représentante du groupe du nom de K. Hermance A.(celle dont la main est levée sur la photo), est âgée de 40 ans. K. Hermance A a très peu fréquenté l’école, mais a appris la coiffure. K. Hermance A. est mariée à un certain Norbert. Le couple a deux enfants, tous scolarisés et à leur charge. K. Hermance A vit ensemble avec son mari et ses enfants. Le couple assure ensemble les charges de ménages. Pour faire face à ses différentes charges, K. Hermance A vend dans mèches et des produits cosmétiques dans son atelier depuis sept ans. K. Hermance A s’approvisionne dans un marché du Bénin. Dans le but de mieux répondre aux exigences de sa clientèle de plus en plus nombreuses et de se faire plus de profit, K. Hermance A sollicite, ensemble avec les autres membres du groupe AVAN-NAH, un troisième crédit auprès de ALIDé. Les prêts antérieurs ont été bien remboursés.

Additional Information

About 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.


About Benin

  • $1,600
    Average annual income
  • 0
    View loans »
    Benin Loans Fundraising
  • $4,467,950
    Funds lent in using Kiva
  • 495.2
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Avan-Nah Group's $800 loan helped a member to buy strands of hair and cosmetic products.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
May 10, 2013
Jun 9, 2013
Currency Exchange Loss:
Apr 19, 2014