The group is made up of eight women (7 are married and one is a widow). The live in multifamily households. The members of the group Benkadi of the Traore Ton Association have an average age of 50 and have 3 children each. They live in the the Djaka (Kirango) district of Markala, the 4th administrative region of the Republic Mali.
They all know each other through acquaintances, from their common age group, and through business links. They are experts in the business of buying and selling, and in fish processing.
The Benkadi group are requestin their 5th loan, after having successfully repaid the four previous loans.
They plan to use their new loan to purchase 72 trays and 100 blocks of ice. They purchase fresh fish along the Niger river, but a significant portion of the fish they buy is also dried on either gravel or straw mats named “seccos”. The fresh fish is sold in Kirango, in Diamarabougou Markala, in Segou (in the Chateau market), and in Bamako. The dried fish is mostly sold in Dougabougou, Siribala, Niono, Shango, Boussin, and at the weekly fair in Segou, though a portion is saved until the fall when they can earn more money. Smoked fish is mostly sold in Segou.
Sales are generally completed in cash or credit, and their clientele is made up of both men and women.
They hope to see their monthly revenues bring in 62 FCFA, which will permit them to meet their family’s needs (including the price of condiments, clothing, soaps, and petroleum) and to participate to social events (baptisms, weddings, and funerals).
Their goal is to perfect their business so that they will be able to provide a good future for their children.
Elles se sont connues à travers des liens d’amitié, de groupe d’âge et professionnels. Elles excellent dans l’achat vente et la transformation de poisson.
Le groupe Benkadi est à son 5ème prêt solidaire, après avoir bien remboursés les quatre précédents.
Elles comptent utiliser ce nouveau prêt pour acheter, 72 paniers et 100 barres de glace. Elles s’approvisionnent en poissons frais sur place au bord du fleuve Niger, qu’elles trient, une bonne partie de ce poisson est séché sur du gravier soit sur de la paille ou sur des « seccos ». Le poisson frais se vend sur place à Kirango, à Diamarabougou Markala, à Ségou ville (marché château) et à Bamako. Le poisson séché est surtout vendu à Dougabougou, Siribala, Niono, Shango, Boussin et à foire hebdomadaire de Ségou dont une partie est conservée jusqu’à la décrue où elles gagnent plus d’argent. Quant au poisson fumé il est essentiellement vendu à Ségou.
Les ventes se font généralement au comptant, en détail et à crédit, à une clientèle composée de femmes et d’hommes.
Elles espèrent réaliser un bénéfice moyen mensuel de 62.000 FCFA qui servira à satisfaire les petits besoins familiaux (complément de prix de condiments, habillements, savon, pétrole) et à participer aux évènements sociaux (baptême, mariage et décès).
Elles ambitionnent avoir une concession qui leur soit propre afin de préparer l’avenir des enfants.
Important InformationSoro 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.
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