They are on their twenty-seventh loan from the micro-finance institution, Soro Yiriwaso, with a view to satisfying their customer demand. Their previous loans have been repaid in full.
Alimata, who is standing in the middle of the photo, has been buying and selling "pagnes" (highly decorative and colourful pieces of fabric), both the "wax" and "real" varieties, in this Jiguisseme women's group for more than 12 years and is in great demand from her customers. With her loan she is planning to buy 20 pieces of "pagne" fabric (both "wax" and"real") at a wholesale price at Sikasso's Grand Market. She resells in Kaboïla, on a door-to-door basis, as well as within her family, to a customer base made up of men and women, for cash.
She is expecting to make an average monthly profit of 35,500FCFA, part of which will be used to repay her loan and the interest on it, while the rest will be saved. Her ambition is to increase her turnover in order to satisfy customer demand more readily.
Elles sont à leurs vingt septième prêts avec l’institution de microfinance Soro Yiriwaso afin de satisfaire le besoin de leur clientèle. Les prêts passés ont été correctement remboursés.
ALIMATA, debout au milieu fait le commerce de pagnes (wax et real) dans ce ce groupe de femmes JIGUISSEME, il y’a plus de 12 ans et est beaucoup sollicitée par les clients.
Elle compte acheter avec son prêt des 20 pièces de pagnes (wax et real) au prix d’en gros au grand marché de la ville de Sikasso.
Elle les revend à Kaboïla, de façon ambulante et en famille à une clientèle composée d’hommes et de femmes au comptant.
Elle envisage réaliser un bénéfice mensuel moyen de 35.500FCFA dont une partie est utilisée pour payer le prêt et son intérêt et l’autre pour son épargne.
Elle ambitionne d’augmenter son chiffre d’affaire pour mieux satisfaire sa clientèle.
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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