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Sedjro Group
In this Group: Henriette , Julienne, Elise
Sedjro is a group composed of 3 people who all live in the same area. The group's representative, Henriette (who has her hand raised in the picture), is 43 years old. Henriette has hardly any schooling. She is married to Benoit and the couple have 4 dependent children, who all go to school. Henriette lives together with her husband and children and the couple both take care of the household expenses and responsibilities.

Henriette has been selling various products (canned goods, sugar, milk) in her district for around a decade. She also sells prepared food (corn pasta, rice and sauce). She gets her supplies at a market in Benin. With a view to strengthening her business and satisfying customer demand, Henriette is requesting a 3rd loan from ALIDé in association with the other members of the Sedjro group. The first 2 loans received by the group have been properly repaid.
SEDJRO est un groupe de trois personnes, dont les membres vivent dans le même quartier. La représentante du groupe Henriette (qui a la main levée sur la photo) est âgée 43 ans. Henriette a très peu fréquenté l’école. Henriette est mariée à un certain du nom de Benoit. Le couple a quatre enfants, tous scolarisés et à leur charge. Henriette vit ensemble avec ses enfants et son mari et assure avec son mari les charges de la maison. Depuis une dizaine d’années environs, Henriette vend divers produits (conserves, sucre, lait) dans son quartier. Parallèlement à cette activité, Henriette vend de la nourriture (pâtes de maïs, riz accompagnés de sauce). Henriette s'approvisionne dans un marché du Benin. Dans le but de renforcer son activité et de satisfaire la demande de sa clientèle, Henriette s’associe avec les autres membres du groupe SEDJRO pour consentir un troisième crédit auprès de ALIDé. Les deux premiers crédits reçus 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
  • 535.9
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Sedjro Group's $425 loan helped a member to buy condiments, corn and rice.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Jun 20, 2012
Jul 17, 2012
Currency Exchange Loss:
Apr 13, 2013