Unlike Fidèle, who did not attend school, all her children are in school.
In order to jointly take care of the family's expenses with her husband, Fidèle has been selling shoes, in her region, for the past seven years.
She regularly stocks up at one of her town's markets and resells from home on a retail basis. As the demand from her customers is increasing, she has formed a group with other women from her neighborhood in order to request a third loan from ALIDé. All previous loans have been duly repaid.
La représentante du groupe, nommée Fidèle (celle qui a la main levée sur la photo) est âgée de 29 ans, elle est mariée à un maçon avec lequel elle a eu trois enfants.
Contrairement à Fidèle qui n’a été à l’école, tous ses enfants sont scolarisés.
Afin d’assurer les charges de la famille avec son mari, Fidèle vend des chaussures dans sa région depuis sept ans.
Régulièrement, elle s'approvisionne dans un marché de sa ville pour revendre chez elle au détail.
Au vu de la demande croissante de ses clients, Fidèle s’est regroupé avec d’autres personnes de son voisinage pour solliciter un troisième crédit auprès de ALIDé.
Les prêts antérieurs ont tous bien été remboursés en temps et en heure.
About AlidéAlidé 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.
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