The "Se Bo Gnan" group comprises three people who all live in the same area. This is the second time this group is seeking financial support from ALIDÉ with the goal of raising the level of their businesses. The group leader is named Adèle and has her hand raised in the photo. Adèle is 33 years old. She is married to a man named Antoine and has two children, both in school. Adèle and her husband take care of the various household expenses together. Adèle lives together with her husband and children. In order to take care of herself and improve her living conditions, Adèle has run a business selling shoes, bags, and jewelry through the distribution system for about ten years. She buys her products in Togo. With the goal of satisfying her clientele and increasing her income, she is seeking a second loan together with the other members of the Se Bo Gnan group.
Le groupe SE BO GNAN est composé de trois personnes qui vivent toutes dans le même quartier. C'est la deuxième fois que ce groupe sollicite l'aide financier de ALIDé, afin d'élever le niveau de son activité. La représentante du groupe, du nom de Adèle est celle qui a la main levée sur la photo. Adèle est âgée de 33 ans. Adèle est mariée à un certain Antoine et a deux enfants, tous scolarisés. Adèle et son mari assurent ensemble les différentes charges de la famille. Adèle vit ensemble avec son mari et ses enfants. Afin de se prendre en charge et d'améliorer son niveau de vie, Adèle exerce depuis dix ans environs, comme activité la vente de chaussures, de sacs et des bijoux par le système de distribution. Adèle achète ses produits au Togo. Dans la quête de la satisfaction de sa clientèle et pour accroître son revenu, Adèle sollicite, ensemble avec les autres membres du groupe SE BO GNAN, un deuxième crédit.
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.