The group AFEPEB is composed of five persons, who are members of the same association. Adama (with her hand raised in the photo) is the group's representative. She is 45 years old and married to a driver named Soulé. The couple have three children, not all in school but all in their care. Adama lives with her husband and children.
The couple jointly ensure that the different household expenses are covered. To do so, Adama has been selling staple foods and charcoal out of her home and at a market for seventeen years. She gets her supplies from a city in Benin. With the goal of bolstering her business, Adama joined with the other members of the group AFEPEB to request a second loan from ALIDé. The first one was indeed paid back.
Le groupe AFEPEB est composé de cinq personnes, qui sont des membres d'un même groupement. Adama (celle qui a la main levée sur la photo), est la représente de ce groupe. Adama âgée de 45 ans est mariée à un chauffeur nommé Soulé. Le couple a trois enfants dont certains scolarisés et tous à leur charge. Adama vit avec son mari et ses enfants. Le couple assure ensemble les différentes charges du ménage. Pour ce faire, Adama vend des vivres et du charbon de bois à son domicile et dans un marché depuis dix sept ans. Adama s'approvisionne dans une ville du Bénin. Dans le but de renforcer son activité, Adama s’associe avec les autres membres du groupe AFEPEB pour solliciter un deuxième crédit auprès de ALIDé. Le prêt antérieur a été bien remboursé.
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.