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Heremakono Group
In this Group: Awa, Bonkana , Aminata, Kadiatou , Assitan , Adiaratou
The six members of the HEREMAKONO group are mostly married women who, on average, are 43 years old and have four children each. Most of them live in polygamous families in Mamassoni, one of the suburbs of the city of Sikasso (third administrative region of Mali). This is their eleventh loan with the microfinance institution Soro Yiriwaso, and they are taking this loan to meet the needs of their customers. Previous loans were all successfully concluded.

Among this group of women, Adiaratou sells wax-print and "real-wax pagnes" (colorful West African fabrics). In the photo, she is sitting in the second position from the left. She is a well-known seller and her goods are in high demand.

With her loan, she is planning to buy ten sets of wax-print "pagnes" from wholesalers. She resells door-to-door and within her family, for cash or on credit, to a customer base which consists of men and women.

She is expecting average monthly profits to reach 22,500 CFA francs, part of which will be used to repay her loan and the interest, while the rest will be saved.
View original language description ↓
Les six membres du groupe HEREMAKONO sont essentiellement de femmes mariées ayant une moyenne d’âge de 43 ans, 4 enfants et vivant la plupart dans des familles polygamiques à MAMASSONI, un des quartiers périphériques de la ville de Sikasso (3ème région administrative du Mali).
Elles sont à leur onzième prêt avec l’institution de microfinance Soro Yiriwaso afin de satisfaire le besoin de leur clientèle. Les prêts antérieures se sont bien dénoués.
ADIARATOU (assise) 2ème de la gauche vers la droite sur la photo fait le commerce de pagnes wax et real dans ce groupe de femmes, sa renommée en la matière fait d’elle une vendeuse très sollicitée.
Elle compte acheter avec son prêt 10 pièces de pagnes wax auprès des grossistes. Elle les revend de façon ambulante et en famille au comptant et à crédit à sa clientèle composée d’hommes et de femmes.
Elle envisage réaliser un bénéfice mensuel moyen de 22.500 FCFA dont une partie est utilisée pour payer le prêt et son interêt et l’autre pour son épargne.

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

  • $1,100
    Average annual income
  • 14
    View loans »
    Mali Loans Fundraising
  • $11,519,150
    Funds lent in using Kiva
  • 493.7
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD