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Emmanuela's Group
In this Group: Emmanuela, Estelle, Michel Ange, Aubierge, Séraphine
This group is made up of five people who live in the same neighborhood. The group's representative, named Emmanuela, is the woman raising her hand in the photograph. She never attended school. She's 34 years old and married to one Euloge.

The couple has four children, who are all in their care and go to school. Emmanuela lives with her husband and children. Together with her husband, she covers the household expenses.

To do so, Emmanuela has been selling food condiments at her home for seven years. She gets her supplies in a market in Benin. Eager to bolster her business, Emmanuela, together with the other members of the group, is seeking a first loan from Kiva's partner, ALIDé.
View original language description ↓
Ce groupe est composé de cinq personnes qui résident dans le même quartier. La représentante du groupe, nommée Emmanuela (celle qui a la main levée sur la photo) est âgée de 34 ans. Emmanuela n’a pas fréquenté l’école. Emmanuela est mariée à un certain Euloge. Le couple a quatre enfants, tous scolarisés et trois à leur charge. Emmanuela vit avec son mari et ses enfants. Les charges de ménage sont supportées par Emmanuela et son mari. Pour ce faire Emmanuela vend des condiments à son domicile depuis sept ans. Emmanuela s'approvisionne dans un marché du Bénin. Dans le but de renforcer son activité, Emmanuela s’associe aux autres membres de son groupe pour solliciter un premier crédit auprès de ALIDé.

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
  • 475.5
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Emmanuela's Group's $575 loan helped a member to buy food condiments.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Sep 27, 2013
Oct 28, 2013
Currency Exchange Loss:
Jun 17, 2014