The JESOUDONAN 1 group is made up of 21 women who are friends and mostly work in the same field. The group leader is called Pascaline and is 32 years old; she never attended school. In order to boost their activity levels and to better meet their customers' demands, this group is seeking its first loan from ALIDé. Pascaline is married to a welder called Jean. The couple has five children, some of whom attend school. Pascaline lives with her husband and children. The couple works together to see to the family's needs. It is for this reason that Pascaline sells various products to customers in her area. As a secondary concern, Pascaline sells palm nuts which she transforms into vegetable oil for re-sale. She sources her goods from a market in Benin. In order to boost her business activities and to see to her customers' needs, Pascaline and the other members of JESOUDONAN 1 are seeking their first loan from ALIDé.
Le groupement JESOUDONAN 1 est composé de vingt-un personnes qui sont des amies et qui font presque les mêmes activités. La représentante de ce groupement, du nom de Pascaline est âgée de 32 ans. Pascaline n’a pas fréquenté l’école. 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. Pascaline est mariée à un soudeur du nom de Jean. Le couple a cinq enfants, dont certains scolarisés et aucun à leur charge. Pascaline vit ensemble avec son mari et ses enfants. Le couple assure ensemble les diverses charges de la maison. C’est pour cette raison que Pascaline vend divers articles par la technique de distribution dans sa région. De façon secondaire, Pascaline achète des noix de palme qu'elle transforme en huile végétale, qu'elle revend par la suite. Pascaline s'approvisionne dans un marché du Bénin. Dans le but d’accroitre le niveau de son activité et de satisfaire sa clientèle, Pascaline ensemble avec les autres membres du groupement JESOUDONAN 1 sollicite 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.