TCHIA-KPE is a group of three people who are neighbours. The leader of the group named Ablawa Nicole (the one with her hand raised in the photo) is 65 years old. Ablawa Nicole did not go to school. Ablawa Nicole is married to a man named Etienne. The couple has two children of which one is studying at their expense. Ablawa Nicole lives with her husband and her children. She shares the family expenses with her husband. To enable her to do this Ablawa Nicole has been selling various products (pasta, oil, sugar, biscuits) from her home for about ten years. She buys her products at a market in Benin. In order to better satisfy her growing clientele, and make more profit, Ablawa Nicole, together with the other members of the TCHIA-KPE group, requests a first loan from Alidé.
TCHIA-KPE est un groupe composé de trois personnes qui sont des cohabitantes. La représentante du groupe du nom de Ablawa Nicole ( celle dont la main est levée sur la photo), est âgée de 65 ans. Ablawa Nicole n'a pas fréquenté l'école. Ablawa Nicole est mariée à un certain Étienne. Le couple a deux enfants, dont un scolarisé et à leur charge. Ablawa Nicole vit ensemble avec son mari et ses enfants. Ablawa Nicole et son mari assurent ensemble les charges de ménage. Pour ce faire, Ablawa Nicole vend des produits divers (pâte alimentaire, huile, sucre, biscuit, etc.) à son domicile depuis une dizaine d’années. Ablawa Nicole s’approvisionne dans un marché du Bénin. Dans le but de mieux répondre aux exigences de sa clientèle de plus en plus nombreuses et de se faire plus de profit, Ablawa Nicole sollicite, ensemble avec les autres membres du groupe TCHIA-KPE, 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.