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Born around 1963 in Hetin Dogodo in the township of Dangbo, Mrs. Julienne K. is married and the mother of 4 children, of whom two are enrolled in school. She is a farmer in the village of Hetin Sota in the valley of the Ouémé River and is a member of the group GF Djidjoho of Hetin Sota. She also sells drinks and cookies.

The inhabitants of this village work as farmers when the river level is low. Their land is rich and gives them a good harvest. Their principal crops are maize (corn), hot peppers, vegetables, okra, tomatoes, and manioc which are staple foods in Benin. The problem for these people who dwell along the river is that when the river is in flood, they have no more work and spend all the money they earned during the last farming season on foodstuffs. When the waters recede, they have no money left to pay for laborers who are indispensible to them in sowing their land.

The custom of borrowing against the new harvest does not make them more secure and indeed leaves them worse off. They sell their future harvest at a laughable price to weathier persons so that they have the cash needed to do their farming. Weary of this practice, Julienne K. has requested a loan of 110,000 F CFA which will allow her to farm about 1.5 hectares, growing some of the aforementioned crops.

View original language description ↓
Née vers 1963 à HÊTIN DOGODO dans la commune de DANGBO, dame K. Julienne est mariée et mère de 4enfants dont 2 scolarisés. Elle cultive dans le village de HÊTIN SOTA de la vallée de l’Ouémé et est membre du groupement GF DJIDJOHO DE HÊTIN SOTA situé à proximité de la source thermale de dangbo ; elle vend aussi de la boisson et des biscuits. Les habitants de ce village font les travaux champêtres à la décrue du fleuve ouémé. Leurs terres sont riches et les offrent un bon rendement. Leurs spéculations principales sont la culture du maïs, du piment, des légumes, du gombo, de la tomate et du manioc qui sont des aliments de grande consommation au Bénin. Le problème de ces habitants riverains du fleuve est que, en période de crue, ils n’ont plus d’activité et dépensent tout le revenu issu de la campagne écoulée à la consommation. A la décrue ils n’ont plus d’argent pour payer la main d’œuvre indispensable pour emblaver la superficie à eux disponible. La pratique dans le milieu qui consiste au bradage des récoltes ne les sécurise pas et les runes d’avantage. Cette pratique est la vente à un prix dérisoire de la récolte future à un nanti pour disposer de la somme nécessaire aux travaux champêtres. Fatigués de cette pratique elle a sollicité un prêt de 110 000 FCFA pour l’exploitation d’environ 1,5hectares des spéculations susse indiquées.

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.

About Benin

  • $1,600
    Average annual income
  • 0
    View loans »
    Benin Loans Fundraising
  • $4,467,950
    Funds lent in using Kiva
  • 516.0
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Julienne cultivating 1.5 hectares in corn (maize) and hot peppers.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Dec 22, 2008
Jan 12, 2009
Currency Exchange Loss:
Aug 15, 2009