The Gbenonkpo 12 group is made up of 3 people who live in the same district. The group's representative, Mahoussi, is the woman with her hand raised in the picture. Mahoussi is 56 years old. Mahoussi did not go to school. Mahoussi is married to Jean. The couple are raising one child who does not attend school. Mahoussi lives with her child and her husband. Mahoussi supports her husband with the family expenditures. In order to do this, Mahoussi has been selling kitchen utensils (coolers, plates and aluminium basins) for around 20 years. Mahoussi gets her supplies at a market in Benin. With a view to satisfying her customers and increasing her sales and revenues, Mahoussi is requesting, together with the other Gbenonkpo 12 group members, a 7th loan from ALIDé. The previous loans have been correctly repaid.
Le groupe GBENONKPO 12 est composé de trois personnes qui vivent dans le même quartier. La représentante du groupe, du nom de Mahoussi est celle qui a la main levée sur la photo. Mahoussi est âgée de 56 ans. Mahoussi n’a pas fréquenté l’école. Mahoussi est mariée à un certain Jean. Le couple a un enfant qui n’est pas scolarisé et est à leur charge. Mahoussi vit avec son enfant et son mari. Mahoussi assiste son mari dans les charges familiales. Pour ce faire, Mahoussi vend des ustensiles de cuisine(glacières, des assiettes et des bassines en aluminiums) depuis une vingtaine d’années. Mahoussi s’approvisionne dans un un marché du Bénin. Dans la quête de la satisfaction de sa clientèle et pour accroître son chiffre d’affaires et son revenu, Mahoussi sollicite ensemble avec les autres membres du groupe GBENONKPO 12, un septième crédit auprès de ALIDé. Les prêts antérieurs ont été bien remboursés.
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.