They know each other through family ties and they sell food products and grocery items such as condiments for cooking, grains, fruits and vegetables, milk, sugar, tea etc.
They have duly repaid their first loan and are now taking their second solidarity loan.
Minata Lamine (second from the left in the photo) is planning to use her loan to buy one can of cooking oil, some peppers, fresh tomatoes, onions, eggplants, baskets of grains and a few baskets of fruits and vegetables.
She buys her supplies at the Grand Market in San and resells her goods in her own village of Tamaro, from her home and at the weekly market. She sells for cash and sometimes on credit to a retail group of customers consisting of men and women.
She is expecting to make an average monthly profit of 35,000 CFA francs, which will be used in part to buy food and cover healthcare costs and school fees, while the rest will be reinvested in her business.
Ces femmes se sont connues à travers des liens de parenté et font les activités d’achat et de vente de produits alimentaires tels les condiments alimentaires, les céréales, les articles de boutiques (lait, sucre, thé etc.) et les fruits et légumes.
Après avoir correctement remboursés le 1er prêt, les femmes du groupe Kanou sont à leur deuxième prêt solidaire. Minata Lamine, 2 eme personne debout sur la photo de la gauche vers la droite, compte utiliser pour acheter, 1 bidon d’huile alimentaire, des poivres, des tomates fraîches, des oignons, des aubergines, des paniers de grains de céréales et quelques paniers de fruits et légumes.
Elle s’approvisionne au grand marché de San et effectue ses ventes, dans mon village de Tamaro, à domicile et la foire hebdomadaire, au comptant, en détail et à crédit, à une clientèle composée de femmes et d’hommes.
Elle envisage réaliser un bénéfice moyen mensuel de 35.000FCFA qui sera utilisé dans les dépenses relatives à la santé, à la nourriture, aux frais scolaires et le reste sera réinvesti dans les 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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