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Benkadi (L’Entente) Group
In this Group: Sanata , Mariam , Oumou , Ramata , Mariétou
The 5 women of this “Benkadi” group, part of the Dembagnouma Association, are all married. They have an average age of 36, on average 5 children, and live in big extended traditional families in the first neighborhood of the town of Koutiala (Sikasso region, Republic of Mali). They met because of being from the same neighborhood and being related.

They have almost the same business, selling condiments and cooked food. They are much in demand in these areas. So as to satisfy the needs of their growing clientele, this Benkadi group decided to join the micro-finance institution Soro Yiriwaso, with whom they are on their 3rd solidarity loan (group loan). Both the preceding loans were correctly reimbursed.

They intend to use this loan to buy all sorts of condiments, and rice and dried beans for cooked food. The condiments are sold retail and for cash in the market of Koutiala and out of their homes. As for the food, it is sold in the evening outside the doors of their houses.

They each expect to make an average profit of 110,000 F CFA over the course of this loan cycle. That money will be used to pay the interest on the loan and cover some needs of their extended families, investing any remainder back into their businesses.

Their ambition is to diversify their commercial activities.

View original language description ↓
Les cinq femmes du groupe Benkadi de l’association Dembagnouma sont toutes mariées. Elles ont une moyenne d’âge de 36 ans et 5 enfants vivant dans des grandes familles traditionnelles élargies au premier quartier de la ville de Koutiala (région de Sikasso, république du Mali). Elles se sont connues à travers des liens de voisinage et de parenté.
Elles exercent presque la même activité la vente de condiments alimentaires et la restauration. Elles sont très sollicitées dans ces activités.
Afin de satisfaire le besoin de sa clientèle qui ne cesse d’augmenter, le groupe Benkadi a décidé d’intégrer à l’institution de microfinance Soro Yiriwaso avec laquelle il est à son troisième prêt solidaire (prêt de groupe). Tous les prêts précédents ont été correctement remboursés.
Elles comptent utiliser ce prêt pour acheter, toutes sortes de condiments alimentaires, du riz et du haricot pour la restauration. Les condiments sont vendus en détail et au comptant au marché de Koutiala et à la maison. Quant aux nourritures elles sont vendues la nuit devant la porte de leur maison.
Elles espèrent réaliser chacune un bénéfice moyen de 110 000 FCFA au cours de ce cycle qui sera utilisé pour payer les intérêts du prêt, subvenir au besoin de la famille élargie et investir le reste dans les activités.
Elles ont pour ambition de diversifier leurs activités commerciales.

Additional Information

Important Information

Soro Yiriwaso is a microfinance institution that works primarily in rural and semi-urban areas of Mali to provide underprivileged communities with access to financial services.The organization facilitates access for disadvantaged clients, particularly women, to new resources and services, fostering solidarity and cooperation among its clients. Kiva lenders’ funds will enable Soro Yiriwaso to expand its outreach and target even more underserved Malians involved in business and agriculture.

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 Mali

  • $1,100
    Average annual income
  • 3
    View loans »
    Mali Loans Fundraising
  • $11,596,050
    Funds lent in using Kiva
  • 467.2
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Benkadi (L’Entente) Group's $1,075 loan helped a member buying condiments and ingredients for cooked food service.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 10, 2009
Aug 1, 2009
Currency Exchange Loss:
Jan 15, 2010