The group GBEVIVI II consists of nineteen members who live in the same town. The leader of this group, named Ephrasie (the one with one hand raised in the photo), is 30 years old. With the goal of raising the level of their business in order to better meet the demands of their clientele, this group is requesting financial support from ALIDé for the first time. Ephrasie is married to a taxi driver named Roger. The couple has four children, of whom certain ones go to school and are under their care. Ephrasie lives together with her husband and her children. The couple takes care of the household responsibilities together. For fifteen years, Ephrasie has been in business selling palm nuts in her region. Ephrasie gets her supplies in a market in Benin. With the goal of strengthening her business and satisfying her clientele, Ephrasie is requesting a first loan from Alidé together with the other members of the group GBEVIVI II. Her ambition is to develop her business in order to become a wholesaler.
Le groupement GBEVIVI II est composé de dix neuf membres qui dans le même village. La représentante de ce groupement, du nom de Ephrasie(est celle ayant une main levée sur la photo) est âgée de 30 ans. Dans le but de rehausser le niveau de leur activité afin de mieux faire face à la demande de leur clientèle, ce groupement sollicite pour une première fois l'appui financier de ALIDé. Ephrasie est mariée à un conducteur de taxi du nom de Roger. Le couple a quatre enfants,dont certains scolarisés et deux à leur charge. Ephrasie vit ensemble avec son mari et ses enfants. Le couple assure ensemble les charges du ménage. Depuis quinze ans, Ephrasie exerce comme activité la vente des noix de palme dans a région. Ephrasie s'approvisionne dans un marché du Bénin. Dans le but de renforcer son activité et de satisfaire sa clientèle, Ephrasie ensemble avec les autres membres du groupement GBEVIVI II sollicite un premier crédit auprès de ALIDé. Son ambition est de développé son activité afin de devenir un grossiste.
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.