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Djiguiya (Espoir) Group
In this Group: Kadiatou , Fatoumata , Maimouna , Mamou
Djiguiya is a group of Koutiala women who know each other well and who live in large traditional families with their husbands, children and other relatives. They average 42 years of age, are married with at least two children each.

This group of women retail various items such as condiments, sugar, firewood, etc.

To expand the scope of their activities, the members decided to join the Soro Yiriwaso loan program at least 8 years ago. They are on their seventeenth group loan.

Mamou is a member of the Djiguiya group who sells Sounbala (a condiment made from nere, very popular with women of Mali). She is the only one wearing a blue shawl in the picture.

She plans to use her loan to buy bags of nere. She gets the nere nuts from wholesalers in Koutiala and Sikasso. She then transforms the nere into Sounbala. She retails Sounbala for cash at the Koutiala market, at home and as an itinerant vendor to a diverse and varied clientele. She is quite in demand.

While the other Djiguiya group members expect to make an average profit of 142,500 FCFA each during this loan cycle, Kadiatou expects to achieve 150,000 FCFA. In addition to repaying the loans, they use a portion of their income to meet personal expenses and increase their stock in trade.
View original language description ↓
Djiguiya est un regroupement de femmes de Koutiala qui se connaissent bien et qui vivent dans de grandes familles traditionnelles avec leurs maris, enfants et autres parents. Elles ont en moyenne 42 ans, sont mariées et au moins 2 enfants chacune.
Ce groupe de femmes fait le commerce d’articles divers tels, les condiments, du sucre, et du bois de chauffe etc.
Pour augmenter la taille de leurs activités, les membres ont décidé d’intégrer le programme crédit de Soro Yiriwaso il y a au moins 8 ans. Elles sont à leur dix septième prêt de groupe.
Mamou est un membre du groupe Djiguiya qui vend du Sounbala (un condiment à base de néré très apprécié par les femmes du Mali) elle seule porte une châle bleu sur la photo.
Elle compte utiliser son prêt pour acheter, des sacs de nèrè. Elle se procure de ces noix de nèrè à Koutiala et Sikasso avec les grossistes. Elle transforme du nèrè en Sounbala. Elle vend du Sounbala en détail et au comptant au marché de Koutiala, à la maison et en ambulant à une clientèle diverse et variée, elle est très sollicitée.
Tandis que les autres membres du groupe Djiguiya comptent réaliser un bénéfice moyen de 142 500FCFA chacune au cours de ce cycle Mme Kadiatou compte réaliser 150 000FCFA.
En plus du remboursement des prêts, elles utilisent une partie du revenu pour faire face aux dépenses personnel et augmenter son fond de commerce.

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

  • $1,200
    Average annual income
  • 27
    View loans »
    Mali Loans Fundraising
  • $10,386,300
    Funds lent in using Kiva
  • 517.3
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Djiguiya (Espoir) Group's $775 loan helped a member buy nere seeds.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 2, 2012
Listed
Jul 1, 2012
Currency Exchange Loss:
Possible
Ended:
Nov 15, 2012