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Grâce De Dieu Group
In this Group: Hortense , Symplice Codjo, Florence
GRÂCE DE DIEU is a group composed of three persons whose president resides in the same district in Benin. The group’s president, Hortense (whose hand is raised in the photo) was born on September 20, 1973 in Benin and is married to a mechanic by the name of Michel. The couple has two children, both in school. One of the children lives with the couple.

Hortense has had little schooling. For nearly seven years, she has been making food (corn mash and rice served with fish sauce, etc.) that she sells in her district in Benin. She operates this business with passion, and it enables her to support herself and her children. Secondarily, she sells corn porridge. She gets her supplies in Benin.

Seeking to satisfy her customers. Hortense is requesting a loan along with the members of the group GRÂCE DE DIEU. This loan will be used to respond better to the demands of their customers and to earn more profit.
View original language description ↓
GRÂCE DE DIEU est un groupe de trois personnes, dont les membres résident dans le même quartier au Bénin. La présidente du groupe, Hortense (dont la main est levée sur la photo), est née le 20 Septembre 1973 au Bénin et est mariée à un mécanicien du nom de Michel. Le couple a deux enfants, tous scolarisés, dont un est à leur charge. Hortense et son mari vivent ensemble avec l'enfant. Hortense a très peu fréquenté l’école. Il y a près de sept ans que Hortense prépare de la nourriture (pâte de maïs, riz accompagné de sauce aux poissons, etc.), qu'elle vend dans un quartier du Bénin. Hortense exerce cette activité passionnément, ce qui lui permet de subvenir à ses besoins et à ceux de ses enfants. De façon secondaire, Hortense vend de la bouillie de maïs. Hortense s'approvisionne au Bénin. Dans la quête de la satisfaction de sa clientèle, Hortense sollicite un crédit avec les membres du groupe GRÂCE DE DIEU. Ce crédit leur servira à mieux répondre aux demandes de leur clientèle et à se faire plus de profits.

Additional Information

About 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.

About Benin

  • $1,600
    Average annual income
  • 0
    View loans »
    Benin Loans Fundraising
  • $4,467,950
    Funds lent in using Kiva
  • 462.7
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Grâce De Dieu Group's $625 loan helped a member to buy rice, corn, sauce condiments, fish, and vegetable oil.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
May 20, 2011
Jul 1, 2011
Currency Exchange Loss:
Dec 15, 2011