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Saint-Joseph Group
In this Group: Germaine , Diane, Lydia
SAINT-JOSEPH is a group of three persons whose members are friends living in the same district. The group's representative, Germaine (with her hand raised in the photo), is 36 years old and married to a driver by the name of André. The couple have one child, in school and in their care. Germaine attended school very little. She lives together with her child and husband. The couple jointly ensure that the different household expenses are covered.

To help cover the diverse household expenses, Germaine has been selling cloth and insulated containers through the distribution system for four year. She gets her supplies from a city in Benin.

This is the first time that Germaine and the other members of the group SAINT-JOSEPH have requested financial support from ALIDé for bolstering their working capital and their business, as well as for responding further to the demands of their customers.
View original language description ↓
SAINT-JOSEPH est un groupe de trois personnes, dont les membres sont des amies qui vivent dans le même quartier. La représentante du groupe, Germaine (dont la main est levée sur la photo), est âgée de 36 ans et est mariée à un chauffeur du nom de André. Le couple a un enfant, scolarisé et à leur charge. Germaine a peu fréquenté l’école. Germaine vit ensemble avec son enfant et son mari. Le couple assure ensemble les différentes charges de la maison. Afin de contribuer aux diverses charges de la maison, Germaine vend depuis près quatre ans, des tissus et des glacières par le système de distribution. Germaine s’approvisionne dans une ville du Bénin. C’est la première fois que, Germaine et les autres membres du groupe SAINT-JOSEPH sollicitent l’appui financier de ALIDé en vue de renforcer leur fonds de roulement et leur activité et de mieux répondre aux exigences de leur clientèle.

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
  • 533.6
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Saint-Joseph Group's $350 loan helped a member to buy cloth and insulated containers.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Jun 11, 2012
Jul 13, 2012
Currency Exchange Loss:
Mar 15, 2013