The JESULOME group is made up of thirteen people who know each other apart from their businesses. The group representative, named Julienne, has her hand raised in the photo. Julienne is 41 years old and married to a reseller named Albert. The couple has four children, all of whom have attended school and three of whom are under their care. Julienne did not go to school. For the last 30 years she has been selling manioc flour, which she makes at home. In addition to this business, she sells fruits. This allows her to pay the family's expenses, along with help from her husband. Julienne buys her products in a village in Benin and resells them in a city in Benin. This is the first time that she and the other members of the JESULOME group have requested a loan through ALIDé. This loan will allow them to increase their business activities and their operating funds, in order to better respond to demand from their customers.
Le groupement JESULOME est formé de treize personnes qui se connaissent de part leurs activités. La représentante de ce groupe, nommée Julienne est celle dont la main est levée sur la photo. Julienne est âgée de 41 ans, et est mariée à un revendeur du nom de Albert. Le couple a quatre enfants, tous scolarisés dont trois à leur charge. Julienne n’a pas fréquenté l’école. Depuis une trentaine d’année, Julienne vend de la farine de manioc qu'elle produit à son domicile. Parallèlement à cette activité, Julienne vend des fruits. Ce qui lui permet d’assurer ensemble avec son mari les diverses charges de la famille. Julienne achète ses produits dans un village du Bénin et les revend dans une ville du Bénin. C’est la première fois que Julienne et les autres membres du groupement JESULOME sollicitent un crédit auprès de ALIDé. Ce crédit leur permettra de renforcer leur activité et d'accroître leur fonds de roulement, afin de mieux répondre à la demande de leur clientèle.
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.