The group named Kpehouton is made up of three people who live in the same neighbourhood. The leader of the group who is called Ablawa Pauline (the one with her hand raised in the photo) is 44 years old. Ablawa Pauline stopped attending school at the secondary level. Ablawa Pauline is married to a shopkeeper named Jules. The couple has two children, both attend school at their expense. Ablawa Pauline lives with her husband and their children. The household expenses are shared between Ablawa Pauline and her husband. In order to do this Ablawa Pauline buys jewellery, which she has been selling by distribution for three years. She buys her stock at a market in Benin. Hoping to consolidate her business, Ablawa Pauline has joined the other members of the Kpehouton group to request a first loan from Alidé.
Le groupe KPEHOUTON est composé de trois personnes qui résident dans le même quartier. La représentante du groupe, nommée Ablawa Pauline (celle qui a la main levée sur la photo) est âgée de 44 ans. Ablawa Pauline a arrêté l'école au niveau secondaire. Ablawa Pauline est mariée à un commerçant nommé Jules. Le couple a deux enfants, tous scolarisés et à leur charge. Ablawa Pauline vit avec son mari et ses enfants. Les charges du ménage sont supportées par Ablawa Pauline et son mari. Pour ce faire, Ablawa Pauline achète des bijoux, qu'elle revend par la méthode de distribution depuis trois ans. Ablawa Pauline s'approvisionne dans un marché du Bénin. Dans le but de renforcer son activité, Ablawa Pauline s’associe aux autres membres du groupe KPEHOUTON 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.