They sell food condiments, fabrics, grain cereals, fish, flat-cakes, etc. To increase their working capital, the group members joined Soro Yiriwaso and are on their second credit loan cycle.
Ms. Chata, the second person from right to left in the photo, plans to use her loan to purchase two baskets of smoked fish. She buys locally from Sikasso wholesalers and conducts her sales as an itinerant vendor, from home and at the market, to both men and women customers.
With this loan Ms. Chata expects to achieve an average monthly profit of 80,000 FCFA, to be reinvested in the business and to deal with some of the household needs.
Elles font de la vente de condiments alimentaires, des tissus, des céréales, des poissons, des galettes, etc.
Dans le but d’augmenter leurs fonds de commerce, les membres du groupe intègrent Soro Yiriwaso et sont à leur 2ème cycle de prêt solidaire.
Madame Chata, 2 eme de la droite vers la gauche sur la photo, compte utiliser son prêt pour acheter, 2 paniers de poissons fumé. Elle s’approvisionne sur place à Sikasso, auprès des grossistes et effectue ses ventes, en ambulant, à domicile et au marché, à une clientèle composée d’hommes et de femmes.
Madame Chata compte réaliser avec ce prêt un bénéfice mensuel moyen de 80.000 FCFA qui sera utilisé, pour être réinvesti dans l’activité et prendre en charge certains besoins du foyer.
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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