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Djiguiya Group
In this Group: Djeneba, Oumou , Mamou , Fantaciré , Maman , Sayon
The group Djiguiya is composed of six married women of monogamous households who average 30 years of age and five children living in the chief locale of the rural community of Cinzana Gare (4th administrative region of the Republic of Mali).  The women know one another through ties of kinship and their professional work.  They do commerce in various goods, make the local beer, and work in food catering. 

The group members are on their second group loan after having correctly repaid the first one.  This new loan will be used to buy:  two sacks of rice, nine sacks of millet, twelves sacks of potatoes, a 30-liter container of oil, six boxes of Omo detergent, a sack of sugar, a box of tea, two cart-loads of firewood, and some empty bottles. Their goods are purchased at the Cinzana Gare weekly fair, except for the firewood and the empty bottles, which are filled with dolo, the local beer. 

To make the local beer, you wash the millet and keep it moist until it germinates.  Then you spread it out under the sun.  After a few hours, you mill it and cook it.  A little baobab leaf powder is added during the cooking.  You filter and then ferment it for two to three days before selling it.

A portion of the potatoes is fried and then sold.  The goods are sold at the marketplace and in homes.  Cash or credit is accepted from customers composed of men and women. 

The group members hope to realize an average monthly profit of 20,500 francs CFA that will be used to cover the loan interest, to help with certain family expenses, and to take part in societal events (marriages, baptisms, circumcisions, and funerals).  Their ambition comes down to increasing the loan amounts borrowed, enabling them to diversify their businesses.
View original language description ↓
Le groupe Djiguiya est composé de six femmes mariées dans des ménages monogames ayant en moyenne 30 ans, 5 enfants et habitant le chef lieu de commune rurale Cinzana Gare (4ème Région administrative du Mali).
Elles se sont connues à travers des liens de parenté et de leurs activités professionnelles.
Elles font le commerce d’articles divers, la fabrication de la bière locale, de la restauration etc. Elles sont à leur 2ème prêt de groupe, après avoir correctement remboursé le premier prêt.
Ce prêt sera utilisé pour acheter, 2 sacs de riz, 9 sacs de mil, 12 sacs de patates douces, 1 bidon de 30 litres d’huile, 6 cartons d’Omo, 1sac de sucre, 1carton de thé, 2 chargements de charrettes en bois de chauffe et des bouteilles vides.
Leurs marchandises sont achetées à la foire hebdomadaire de Cinzana Gare, exceptés le bois de chauffe et les bouteilles vides dans lesquelles on y met de la bière locale le « dolo ».
Pour préparer la bière locale, le mil est lavé et gardé humide jusqu’à sa germination puis il est étalé au soleil avant d’être moulu et cuit des heures ensuite, on y ajoute un peu de poudre de feuilles de baobab à la cuisson; il est filtré et fermenté pendant 2 à 3 jours pour être vendu. Une partie de la patate est frite avant sa vente.
La vente des marchandises se fait au marché et à domicile au comptant et à crédit à une clientèle composée d’homme et de femmes.
Elles espèrent réaliser un bénéfice moyen mensuel de 20.500FCFA qui sera utilisé pour le remboursement des intérêts du prêt, la contribution à la prise en charges de certaines dépenses familiales et à la participation aux évènements sociaux (mariages, baptêmes, circoncisions et funérailles).
Leurs ambitions se résument à l’augmentation du montant de leurs prêts, leur permettant une diversification des activités.

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

  • $1,200
    Average annual income
  • 24
    View loans »
    Mali Loans Fundraising
  • $9,946,525
    Funds lent in using Kiva
  • 464.5
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Djiguiya Group's $975 loan helped a member buying various goods.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 29, 2009
Listed
Jan 23, 2010
Currency Exchange Loss:
Covered
Ended:
Jul 15, 2010