The Mahouna group is made up of 15 people who live in the same village and who all have income-generating activities. The representative of this group, whose name is Albertine, is the one with her hand raised in the photo. Abertine is 33 years old and married to a man called Grégoire. The couple has three children, all dependents, some of whom are at school. Albertine did not attend school and she now sells liqueurs and sugary drinks in her area. At the same time she sells cassava and wheat fritters from home. These activities allow her, together with her husband, to cover the various family expenses. Abertine buys her products in a village in Benin. This is the first time that she and the other members of the Mahouna group have requested a loan from Alidé. This loan will enable them to strengthen their activities and increase their turnover, so that they can respond better to customer demand.
Le groupement MAHOUNA est formé de quinze personnes qui résident dans le même village et mènent toutes des activités génératrices de revenus. La représentante de ce groupement, nommée Albertine est celle dont la main est levée sur la photo. Albertine est âgée de 33 ans et est mariée à un certain Grégoire. Le couple a trois enfants, dont certains sont scolarisés et tous à leur charge. Albertine n’a pas fréquenté l’école. Albertine vend des liqueurs et des boissons sucrées dans sa région. Parallèlement à cette activité, Albertine vend des beignets de manioc et de blé à son domicile ; ce qui lui permet d’assurer ensemble avec son mari les diverses charges de la famille. Albertine achète ses produits dans un village du Bénin. C’est la première fois que Albertine et les autres membres du groupement MAHOUNA sollicitent un crédit auprès de ALIDé. Ce crédit leur permettra de renforcer leur activité et d'accroître leur chiffre d’affaire, 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.