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Mrs. RAMATA, age 33, is a married mother of three children. She lives with her husband in a nuclear family in the district of Pelengana, in Segou (fourth administrative region of the Republic of Mali).

Having never attended school for social reasons, she started to work alongside her mother who was selling oil and condiments. This apprenticeship lasted 15 years, then her experience led her to the sale of clothing, which she has been doing on her own for five years. She has a large customer base consisting mainly of women.

To bolster her working capital and meet customer demand, she turned to the microfinance institution Soro Yiriwaso 12 months ago. Having correctly repaid her first individual loan, she is now seeking a second loan to buy 22 wax pagnes. She buys her merchandise locally.

Mrs. RAMATA sells at retail, for cash and on credit to a clientele composed primarily of women. She hopes that this loan will help her to earn a monthly profit of 44,000FCFA, which will allow her to help with some of the family expenses.
Madame RAMATA est âgée de 33 ans, mariée et mère de 3 enfants, elle vit chez son mari dans une famille nucléaire au quartier Pelengana de Ségou (quatrième région administrative de la république du Mali).
N’ayant pas fréquenté l’école pour des raisons sociales, elle commença le commerce auprès de sa mère qui vendait de l’huile et des condiments. Cet apprentissage dura pendant 15 ans. Nantie de cette expérience, elle évolue seule en menant le commerce d’habits depuis maintenant 5 ans et jouit d’une grande clientèle composée majoritairement de femmes.
Pour augmenter son fonds dans le double souci de faire face à la demande clientèle et de renforcer son commerce, qu’elle a fait recours à Soro Yiriwaso, elle est en relation avec Soro Yiriwaso depuis 12 mois. Après 1er prêt individuel correctement bien remboursé, elle est à son 2ème prêt individuel qu’elle compte utiliser pour acheter, 22 pièces de pagnes wax, elle s’approvisionne sur place.
Madame RAMATA vend en détail, au comptant et à crédit à une clientèle composée de femmes majoritairement. Avec ce prêt elle compte réaliser un bénéfice mensuel de 44 000FCFA, ce dernier lui servira de prendre en charge certaines dépenses familiales.

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.

About Mali

  • $1,200
    Average annual income
  • 84
    View loans »
    Mali Loans Fundraising
  • $10,910,925
    Funds lent in using Kiva
  • 515.4
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Ramata to buy pagnes.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 9, 2012
Nov 15, 2012
Currency Exchange Loss:
Dec 17, 2013