They are on their first loan with the Soro Yiriwaso micro-finance institution, seeking to meet the needs of their customers.
Adiara, the only woman sitting, is active as a soap trader in the Fasodeme group.
She intends to use the loan to buy a dozen cartons of soap (both beauty and traditional for clothes and dish-washing). She gets her supplies from wholesalers at the general market in Sikasso. She retails them for cash at the Ouayerma market, as an itinerant vendor and from her home to both women and men customers.
She expects average monthly profits to attain 17,500 FCFA, part of which will be used to pay off the loan and interest, and the rest put into savings. She aims to increase her turnover to better satisfy her customers.
Elles sont à leur premier prêt avec l’institution de microfinance Soro Yiriwaso afin de satisfaire le besoin de leur clientèle.
ADIARA, la seule assise, fait le commerce de savons dans ce groupe de femmes FASODEME.
Elle compte acheter avec son prêt, une dizaine de cartons de savons (toilette et traditionnels pour le linge – la vaisselle). Elle s’approvisionne au grand marché de Sikasso chez les grossistes. Elle les revend au marché de Ouayerma 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 17.500FCFA 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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