The Djiguisseme group is made up of married women, who on average are 46 years old, have 4 children, and live in traditional large families in the Sirifila village in the Massigui commune in the Dioîla prefecture in the Koulikoro region (second administrative region of the republic of Mali). They know each other through family, neighbors, and friends. They sell seasonings and spices, clothing, and grains. The women of the Djiguisseme group are on their twentieth group loan. BATOMA, standing on the right, plans to buy a box of tomato puree, a bag of dried gombo, two hundred kilos of dried onion, and three bags of salt from wholesalers in Massigui. She makes her sales at the village to a clientele composed of women and men. She foresees earning a monthly profit of 70,000 FCFA, which will be used for the needs of her family, and a portion of it will be reinvested into her business of selling seasonings.
Le groupe Djiguisseme, composé de femmes mariées, ont en moyenne 46 ans, 4 enfants et vivent toutes dans des familles traditionnelles élargies dans le village de Sirifila, commune de Massigui, préfecture de Dioîla, Région de Koulikoro (deuxième région administrative de la république du Mali).
Elles se sont connues à travers des liens de parenté, de voisinage et d’amitié. Elles font le commerce de condiments, d’habillements et de céréales.
Les femmes du groupe Djiguisseme sont à leur vingtième prêt solidaire.
La cliente BATOMA, debout à droite, compte acheter, un carton de purée de tomate, un sac de gombo séché, deux cent kilos d’oignon séché et trois sacs de sel avec les grossistes de Massigui. Elle effectue ses ventes sur place dans le village à une clientèle composée de femmes et d’hommes.
Elle envisage réaliser un bénéfice moyen mensuel de 70 000FCFA qui sera utilisé pour les besoins de la famille et une partie est réinvestie dans l’activité de commerce de condiments.
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.