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Kpayi Group
In this Group: Sènami Jeanne, Josephine, Xougnon Eléonore
Kpayi is a group of three members, who are all friends and get their supplies in the same place. The group’s representative is called Sènami Jeanne, and is pictured with her hand raised in the photo. She is 41 years of age, and is married to François. She has eight children, some of whom are at school and all under the care of the couple. Sènami Jeanne lives with her children and husband, and the couple makes sure that the various household expenses are met.

Sènami Jeanne did not go to school for very long, and for almost 10 years has worked selling corn and akassa balls (a local food made using cassava starch). She works in this business so that she can better provide for her household. Sènami Jeanne gets her supplies from a market in Benin, and in order to ensure customer satisfaction, she has asked for her first loan alongside the other members of the Kpayi group. This loan will allow them to better meet their customers’ needs, as well as to generate more profits.
View original language description ↓
KPAYI est un groupe de trois personnes, dont les membres sont des amies s’approvisionnant au même endroit. La représentante du groupe, Sènami Jeanne (dont la main est levée sur la photo), est âgée de 41 ans et est marié à un certain François. Sènami Jeanne est mère de huit enfants dont certains scolarisés et tous à la charge du couple. Sènami Jeanne vit ensemble avec ses enfants et son mari. Le couple assure ensemble les diverses charges. Sènami Jeanne a peu fréquenté l’école. Il y a près de dix ans que Sènami Jeanne mène comme activité la vente du maïs et des boules d’akassa (aliment local fait à base de l’amidon de manioc). Sènami Jeanne mène cette activité afin de pourvoir aux besoins du ménage. Sènami Jeanne s’approvisionne dans un marché du Bénin. Dans la quête de la satisfaction de sa clientèle, Sènami Jeanne sollicite un premier crédit avec les autres membres du groupe KPAYI. Ce crédit leur servira à mieux répondre aux demandes de leur clientèle et à se faire plus de profits.

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
  • 513.5
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Kpayi Group's $250 loan helped a member to buy bags of corn.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Oct 10, 2012
Nov 16, 2012
Currency Exchange Loss:
Aug 22, 2013