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Josiane's Group
In this Group: Josiane, Safiatou
This is a group of two people with joint liability. The group’s representative is Josiane, age 29. She is a married mother of two children, one of whom goes to school. She is the lady shown on the left in the photo.

Josiane has a stall where she has been selling hair extensions, bissap leaves (dried hibiscus) and flavorings for several years. She buys her merchandise at a market in Benin.

An experienced businesswoman, she has requested and obtained a loan from Finadev to meet customer demand and help to cover the family’s expenses.
Il s'agit d'un groupe de deux personnes en caution solidaire. Josiane, la responsable, est agée de 29 ans. Elle est mariée et mère de deux enfants dont un est scolarisé. Josiane a une boutique où elle vend des mèches, des feuilles de bissapes et des arômes depuis des années. Elle s'approvisionne dans l'un des marchés du Bénin. Expérimentée dans le commerce, elle a sollicité et a obtenu un financement auprès de Finadev afin de satisfaire la demande de sa clientèle et de contribuer aux dépenses de la famille. Josiane se retrouve à gauche de la photo.

Additional Information

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
  • 520.8
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Josiane's Group's $675 loan helped a member to buy three cartons of hair extensions of various types.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jun 8, 2012
Aug 1, 2012
Currency Exchange Loss:
Aug 2, 2013