These ladies know each other as family, neighbors and friends. They sell necklaces, jewelry, clothing, rice and soap. This is their tenth group loan.
Sira, the lady standing in the middle of the photo, plans to buy 5kg of different grades of beads from re-sellers in Bamako. She will use these beads to make necklaces, belts, etc. which she will then sell from her sales location to customers from Nangola, Banco and N'Golobougou. She sells for cash and often also on credit.
Sira hopes to make an average monthly profit of 75,000 francs. She will use some of the money to meet her family's needs and will re-invest the rest in her business.
Elles se sont connues à travers des liens de parenté, de voisinage et d’amitié. Elles font le commerce, de colliers, de bijoux, d’habillements, de riz et de savon.
Les femmes du groupe Djèkafo sont à leur dixième prêt solidaire.
La cliente SIRA, personne au milieu dans le rang des debout, compte acheter 5 kg de perles de différentes catégories avec les revendeurs de Bamako. Avec ces perles elle fabrique des colliers (destinés au cou, à la ceinture etc) qui seront vendues sur place, aux clients de Nangola, Banco, de N’Golobougou, au comptant et souvent à crédit.
Elle envisage réaliser un bénéfice moyen mensuel de 75.000FCFA qui sera utilisé pour les besoins de la famille et une partie est réinvestie dans l’activité.
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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