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Deo-Gratias Group
In this Group: Séraphine, Adjoua Bernadette, Marie
The Deo-Gratias group is made up of three people who live in the same neighborhood. The representative of the group, whose name is Seraphine, is the one with her hand raised in the photo. Seraphine is 31 years old and married to a certain Victorin. Seraphine did not go to school. The couple has four children, of whom some go to school and all are under their care. Seraphine lives together with her husband and children. The couple shares the household expenses.

To contribute to her various family needs, Seraphine has been selling corn and fish from her home for ten years. She procures her goods from a market in Benin. This business allows her to meet her [family's] needs without much difficulty. In the quest for customer satisfaction and to increase her sales and earnings, Seraphine is asking, together with the other members of the Deo-Gratias group, for a fourth loan with Alide. Their previous loans have all been repaid correctly.
View original language description ↓
Le groupe DEO-GRATIAS est composé de trois personnes qui résident dans le même quartier. La représentante du groupe, du nom de Séraphine est celle qui a la main levée sur la photo. Séraphine est âgée de 31 ans et est mariée à un certain Victorin. Séraphine n'a pas fréquenté l’école. Le couple a quatre enfants, dont certains scolarisés et tous à leur charge. Séraphine vit ensemble avec son mari et ses enfants. Le couple se partage les différentes charges de la maison. Pour contribuer aux différents besoins de la famille, Séraphine vend depuis dix ans, du maïs et du poisson à son domicile. Séraphine s’approvisionne dans un marché du Bénin. Cette activité lui permet de répondre sans grande difficulté à ses besoins. Dans la quête de la satisfaction de sa clientèle et pour accroître son chiffre d’affaires et son revenu, Séraphine sollicite ensemble avec les autres membres du groupe DEO-GRATIAS, un quatrième crédit auprès de ALIDé. Les prêts antérieurs 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
  • 502.8
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Deo-Gratias Group's $550 loan helped a member to buy corn and fish.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Mar 21, 2013
Apr 20, 2013
Currency Exchange Loss:
Jan 18, 2014