The NONVIGNON 6 group is made up of three members who live in the same neighborhood. The group's representative, named Gisèle Opportune, is the woman raising her hand in the photo.
It is the first time that this group is requesting financial assistance from ALIDé, in order to raise the level of its activity.
Gisèle Opportune is 40 years old and married to a man named Patrick. They have one child who is their dependent and who goes to school. Gisèle Opportune lives with her husband and child. The couple jointly takes care of the various household expenses.
Gisèle Opportune only attended school for a short period of time. For the past twenty years or so, she has been selling onions and cassava flour at a market in Benin. She buys her supplies from a market in Benin. However, the demand from her customers is increasing, and she can no longer adequately meet all their needs because of her own limited means.
In view of this situation, and because of their limited resources, Gisèle Opportune and the other members of the NONVIGNON 6 group have come together to request a first loan from ALIDé.
Le groupe NONVIGNON 6 est formé de trois personnes qui résident dans le même quartier. La représentante de ce groupe, nommée Gisèle Opportune est celle dont la main est levée sur la photo. C’est la première fois que ce groupe sollicite l’appui financier de ALIDé en vue d’élever le niveau de leur activité. Gisèle Opportune est âgée de 40 ans et est mariée à un certain Patrick. Le couple a un enfant qui est scolarisé et qui vit à leur charge. Gisèle Opportune vit ensemble avec son enfant et son mari. Le couple supporte ensemble les diverses charges du ménage. Gisèle Opportune a peu fréquenté l'école. Il y a une vingtaine d’année environs que Gisèle Opportune mène comme activité la vente d'oignons et de la farine de manioc dans un marché du Bénin. Gisèle Opportune s’approvisionne dans un marché du Bénin. La demande de sa clientèle devient de plus en plus grande et compte tenu de ses moyens limités, Gisèle Opportune n'arrive plus à bien répondre à leurs exigences. Eu égard à cela et compte tenu de leurs ressources limitées, Gisèle Opportune et les autres membres du groupe NONVIGNON 6 sollicitent ensemble un premier crédit auprès de 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.