The DONA group is comprised of three friends who work together in the same neighborhood. The group’s representative is called Houénoumè, and is pictured with her hand raised in the photo. Houénoumè is 52 years of age, married to a blacksmith called Louis and lives in Benin. The couple has five children (all at school), three of whom are in their care. Houénoumè did not attend school and lives with her children and husband, and both she and her husband are responsible for the household expenses. To better cover her family’s various needs, Houénoumè has sold and distributed firewood, charcoal and miscellaneous articles for 15 years. She gets her supplies from Benin and, from time to time, from Nigeria. To meet the demands of her ever-growing customer base, Houénoumè has asked for a fifth loan from Alidé along with the other members of the DONA group. All the loans they received in the past have been successfully repaid.
Le groupe DONA est composé de trois personnes qui sont des amies et exercent leurs activités dans le même quartier. La représentante du groupe du nom de Houénoumè est celle qui a la main levée sur la photo. Houénoumè est âgée de 52 ans et vit au Bénin. Houénoumè est mariée à un forgeron du nom de Louis. Le couple a cinq enfants, tous scolarisés dont trois à leur charge. Houénoumè n’a pas fréquenté l’école. Houénoumè vit ensemble avec ses enfants et son mari et assure ensemble avec son mari les différents besoins de la famille. Pour contribuer aux divers besoins de sa famille, Houénoumè vend des bois de chauffage, du charbon de bois et divers autres articles par le système de distribution depuis une quinzaine d'année. Houénoumè s’approvisionne au Benin et parfois au Nigeria. Pour satisfaire aux besoins de sa clientèle de plus en plus grandissante, Houénoumè sollicite un cinquième crédit auprès de ALIDé, ensemble avec les autres membres du groupe DONA. Les crédits reçus antérieurement 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.