The AMA-DOU group is formed of three people who come from the same village. Abibatou is the representative of this group, and is pictured with her hand raised in the photo. This is the sixth time that this group has requested the financial support of Alidé to expand their activity. Abibatou is 41 years of age and married to Issifou. The couple has three children, all at school, for whom they are responsible. Abibatou did not go to school, and lives with her husband and children. Both she and her husband are responsible for the household expenses. For almost ten years Abibatou has sold "côme" (a type of corn mash) with fish sauce in a park in Benin, and she gets her supplies from a market in the city. To increase customer satisfaction and ensure greater income, Abibatou has requested a sixth loan from Alidé along with the other members of the AMA-DOU group.
Le groupe AMA-DOU est formé de trois personnes qui viennent du même village. La représentante de ce groupe, nommée Abibatou, est celle dont la main est levée sur la photo. C’est la sixième fois que ce groupe sollicite l’appui financier de ALIDé en vue d’élever le niveau de leur activité. Abibatou est âgée de 41 ans et est mariée à un certain Issifou. Le couple a trois enfants, tous scolarisés et à leur charge. Abibatou n’a pas fréquenté l’école. Abibatou vit ensemble avec son mari et ses enfants et assure ensemble avec son mari les différentes charges de la maison. Il y a près d’une dizaine d’année que Abibatou mène comme activité la vente de "côme" (pâte faite à base du maïs) accompagné de sauce aux poissons dans un parc au Benin. Abibatou s'approvisionne dans un marché du Bénin. Dans la quête d'une meilleure satisfaction de sa clientèle et pour accroître son revenu, Abibatou sollicite pour la sixième fois, un crédit auprès de ALIDé, ensemble avec les autres membres du groupe AMA-DOU.
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.