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Benkadi Group
In this Group: Chata , Fati , Hawa, Aminata, Setou, Youma , Foune , Lala
The Benkadi group, part of the Allachon microcredit association, is made up of 8 married women from the San region of Ségou, the fourth largest region in the Republic of Mali. They live as part of traditional families and are of an average age of 42 with at least 6 children each. They met through neighbourly and parental links.
The Benkadi group have sold condiments, incense and cosmetics for the past twenty years. There is one lady within the group that is very sought after for the quality of her incense; Hawa Mallé, aka 'eternal beauty'. Hawa sources her goods from Bamako and intends to buy 3kg of 'magnokisseni' (an incense ingredient), 12 bottles of different fragrances and 1kg of 'djekalani' (another incense ingredient). She combines these three ingredients on the same day and lets the mixture rest for a week. The following week she bottles the mixture and sells it to a customer base made up of women and men buying it for their wives. Mrs Hawa takes cash, and occasionally credit, sales.
She hopes to generate a 25,000 FCFA profit every month, and the other group members envisage generating profits of 21,000 FCFA. These profits will enable them to repay their loans and meet their family's needs.
View original language description ↓
Le groupe Benkadi de l’association Allachon est composé 8 de femmes mariées de la ville de San région de Ségou, quatrième région administrative de la république du Mali. Elles vivent dans des familles traditionnelles et ont en moyenne 42 ans et au moins 6 enfants. Elles se sont connues à travers des liens de voisinage et parenté.
Depuis environ 20 ans ces femmes du groupe Benkadi font la vente de condiments, d’encens et de produits cosmétiques.
Parmi ces femmes se trouve une, qui est très sollicitée par ses clients pour la qualité de son encens, Hawa Mallé alias ‘’éternelle beauté’’.
Hawa s’approvisionne à Bamako et compte acheter, 3 kg de magnokisseni, 12 bouteilles de parfums différents et 1kg de djekalani. Elle mélange tous ces ingrédients en un jour et la ferme pendant une semaine. La semaine suivante elle procède à la mise en embouteille pour les vendre à une clientèle composée essentiellement de femmes et certain homme qui achète pour leurs femmes. Madame Hawa vend en espèce et quelques fois à crédit.
Elle espère réaliser 25.000FCFA de bénéfice par mois et les autres membres du groupe envisagent avoir 21.000FCFA de bénéfice. Ces bénéfices leurs permettrons de rembourser leurs prêts et subvenir aux dépenses familiales.

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
  • 40
    View loans »
    Mali Loans Fundraising
  • $11,450,100
    Funds lent in using Kiva
  • 480.6
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Benkadi Group's $1,675 loan helped a member purchasing ingredients for the production of incense.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Mar 31, 2010
Apr 17, 2010
Currency Exchange Loss:
Oct 15, 2010