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Oluwatobi Group
In this Group: Djoba Zinhoué, Marie, Sedo Rose, Azimatou Amake, Enagbo Blandine
OLUWATOBI is a group made up of five people who are friends and live in the same neighborhood. Djoba Zinhoué, the group's representative, is the woman raising her hand in the photo. In order to increase its working capital, the group is requesting its fourth loan from ALIDé.

Djoba Zinhoué is 33 years old and married to a man named Nicaise. The couple has three children, all in school and all their dependents. Djoba Zinhoué has never attended school.

Djoba Zinhoué lives with her husband and children and takes care of the various household expenses with her husband. In order to provide for herself and her family, she has been selling plates and, to a lesser extent, snacks, for almost eight years. She stocks up at a market in Benin and sells door-to-door.

This fourth loan will help Djoba Zinhoué and the other members of the OLUWATOBI group to boost their level of activity, increase their customer base and their income. The three loans previously granted to them have been well repaid.
View original language description ↓
OLUWATOBI est un groupe constitué de cinq personnes qui sont des amies et qui résident dans le même quartier. La représentante de ce groupe (celle qui a la main levée sur la photo) se nomme Djoba Zinhoué. Dans le but d’augmenter leur fonds de roulement, ce groupe sollicite pour la quatrième fois, un crédit auprès de ALIDé. Djoba Zinhoué est âgée de 33 ans et est mariée à un certain Nicaise. Le couple a trois enfants, tous scolarisés et à leur charge. Djoba Zinhoué n’a pas fréquenté l’école. Djoba Zinhoué vit ensemble avec son mari et ses enfants et assure ensemble avec son mari les diverses charges de la maison. Pour satisfaire ses besoins et ceux de sa famille, Djoba Zinhoué vend des assiettes et de façon secondaire des amuse-gueules de façon ambulante depuis près de huit ans. Djoba Zinhoué s’approvisionne dans un marché du Benin. Ce quatrième prêt permettra à Djoba Zinhoué et aux autres membres du groupe OLUWATOBI de rehausser le niveau de leur activité et d’accroître leur clientèle et leur revenu. Les trois prêts consentis antérieurement ont été bien remboursés.

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
  • 498.0
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Oluwatobi Group's $925 loan helped a member to buy kitchen utensils and snacks.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Mar 20, 2012
Apr 14, 2012
Currency Exchange Loss:
Nov 15, 2012