Djiguitougou (Espoir) Group
The members of the Djiguitougou group buy and sell various food products as well as condiments. In order to expand their businesses, they decided to join Soro Yiriwaso's loan program two years ago.
Nana C. is one of the group members who buys and sells all types of condiments (oil, onions, sounbala, tomatoes, Maggie stock cubes, garlic and spices etc.). She is in great demand because she has a good position under a hangar right in the heart of the market in Hamdallaye. She is planning to use her loan to buy a significant quantity of condiments at the large market in Koutiala on a wholesale basis, and then sell them on a retail basis for cash to a customer base made up mainly of women.
While the other members of the Djiguitougou group are expecting to make an average profit of 135,000FCFA each during the course of this cycle, Nana C. is expecting to make 140,000FCFA.
As well as paying back their loans, they are going to use part of the income to cover their families' running costs. They would like to strengthen this partnership with Soro Yiriwaso in order to diversify their activities.
Les membres de ce groupe Djiguitougou fait l’achat et la vente de plusieurs produits alimentaires et des condiments alimentaires.
Pour augmenter la taille de leurs activités, les membres du groupe ont décidé d’intégrer le programme crédit de Soro Yiriwaso il y a deux ans.
Nana C. qui est un des membres fait l’achat et la vente des condiments de toutes sortes (huile, oignon, Sounbala, tomates, cubes magies, ail, épices etc.) Elle est très sollicitée car elle occupe une bonne place au cœur du marché de Hamdallaye sous un hangar.
Elle compte utiliser son prêt pour acheter, une importante quantité de condiments au grand marché de Koutiala en gros pour les revendre en détail et au comptant à une clientèle composée essentiellement de femmes.
Tandis que Les autres membres du groupe Djiguitougou comptent réaliser un bénéfice moyen de 135 000FCFA chacune au cours de ce cycle, Nana C., elle, compte réaliser 140 000 FCFA.
En plus du remboursement des prêts, elles utilisent une partie du revenu pour faire face aux dépenses courantes de la famille.
Elles souhaitent voir renforcer ce partenariat avec Soro Yiriwaso pour pouvoir diversifier leurs activités.
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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