This group consists of three people who live in the same neighborhood. The representative of the group, Chimène Djivèdé Laurinda (whose hand is raised in the photo), is 35 years old and is married to a certain Fortuné. The couple has three children, all in school and under their care. Chimène Djivèdé Laurinda went to school very little. Chimène Djivèdé Laurinda lives together with her husband and her children. The couple takes care of the different household responsibilities together. To do this, Chimène Djivèdé Laurinda has been selling fabric and shoes from her home for about 20 years. Chimène Djivèdé Laurinda gets her supplies in a market in Bénin. With the goal of strengthening their business, Chimène Djivèdé Laurinda joined the others in her group to request a third loan from ALIDé. The previous loans were well repaid.
Ce groupe est composé de trois personnes qui résident dans le même quartier. La représentante du groupe, Chimène Djivèdé Laurinda(dont la main est levée sur la photo), est âgée de 35 ans et est mariée à un certain Fortuné. Le couple a trois enfants, tous scolarisés et à leur charge. Chimène Djivèdé Laurinda a très peu fréquenté l'école. Chimène Djivèdé Laurinda vit ensemble avec son mari et ses enfants. Le couple assure ensemble les différentes charges de la maison. Pour ce faire, Chimène Djivèdé Laurinda vend des tissus et des chaussures à son domicile depuis une vingtaine d'années. Chimène Djivèdé Laurinda s'approvisionne dans un marché du Bénin. Dans le but de renforcer leur activité, Chimène Djivèdé Laurinda s’associe aux autres de son groupe pour solliciter un troisième 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.