The "Dogan" group comprises four people who belong to the same community. The group representative, named Jocelyne Ernestine, is the one whose hand is raised in the photo. Jocelyne Ernestine is 32 years old and lives in Benin. She ended her studies in primary school. She is married to a man named Bruno. The couple have two children, both of whom are in their care and attend school. Jocelyne Ernestine lives together with her husband and children. The couple provide for the various household needs together. In order to pay for various family expenses, Jocelyne Ernestine has sold hair extensions, nail polish, and clothing on the side for five years. She gets her supplies at a market in Benin. With the goal of satisfying her clientele and increasing her sales volume and income, Jocelyne Ernestine is seeking a fourth loan with ALIDÉ along with the other Dogan group members. The three previous loans were repaid properly.
Le groupe DOGAN est composé de quatre personnes qui appartiennent à une même collectivité. La représentante du groupe, du nom de Jocelyne Ernestine est celle qui a la main levée sur la photo. Jocelyne Ernestine est âgée de 32 ans et vit au Bénin. Jocelyne Ernestine a arrêté l’école au niveau primaire. Jocelyne Ernestine est mariée à un certain Bruno. Le couple a deux enfants tous scolarisés et à leur charge. Jocelyne Ernestine vit ensemble avec son mari et ses enfants. Le couple assure ensemble les divers besoins de la maison. Afin d’assurer les diverses charges de la famille, Jocelyne Ernestine vend depuis cinq ans des mèches, des vernis et des vêtements de façon secondaire. Jocelyne Ernestine s’approvisionne dans un marché du Bénin. Dans la quête de la satisfaction de sa clientèle et pour accroître son chiffre d’affaires et son revenu, Jocelyne Ernestine sollicite ensemble avec les autres membres du groupe DOGAN, un quatrième crédit auprès de ALIDé. Les trois premiers prêts ont été bien remboursés.
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.