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Sira is 34 years old. She is married and the mother of three children. She lives in a traditional family setting with other couples and their children. She is a resident of the Hamdallaye neighborhood of the city of Ségou (fourth administrative region of the Republic of Mali).

Sira left school at a very young age, and she got involved in small retail alongside her mother who was selling condiments. After learning from her mother for several years, she now works alone and sells rechargeable phone cards. She has been involved in this activity for seven years and has many customers.

Eager to meet her customers' demand, she joined Soro Yiriwaso seven years ago. Having duly repaid 14 solidarity loans, she is now taking her first individual loan which will be used to buy rechargeable phone cards. She stocks up locally.

Sira usually sells for cash to both men and women, mostly civil servants. With this loan, she is expecting monthly profits to reach 50,000 CFA francs, which will allow her to take care of her family's expenses and to increase her business. She dreams about building a house.
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Madame Sira est âgée de 34 ans, marié et mère de 3 enfants. Elle vit dans une famille traditionnelle avec d’autres ménages au quartier Hamdallaye de Ségou (quatrième région administrative de la république du Mali).
Ayant abandonné très tôt l’école, elle commença à faire le petit commerce auprès de ma mère qui vendait des condiments. Après plusieurs années d’apprentissage elle évolue seule pour mener le commerce de cartes téléphoniques, elle mène cette activité depuis 7 ans et jouit d’une grande clientèle.
Dans le souci de satisfaire sa demande clientèle, elle rentra en collaboration avec Soro Yiriwaso depuis 84 mois, après 14 prêts solidaires correctement remboursés, elle est à son 1er prêt individuel qu’elle compte utiliser pour acheter des cartes téléphoniques, elle s’approvisionne sur place.
Madame Sira vend le plus souvent au comptant à une clientèle mixte composée majoritairement de fonctionnaire. Avec ce prêt il envisage réaliser un bénéfice mensuel 50 000 FCFA, ce dernier lui permettra de prendre en charge les dépenses familiales et d’augmenter son fonds de commerce. Son ambition est de construire une maison.

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
  • 68
    View loans »
    Mali Loans Fundraising
  • $10,809,225
    Funds lent in using Kiva
  • 503.2
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Sira to buy rechargeable phone cards.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 12, 2013
Mar 13, 2013
Currency Exchange Loss:
Apr 16, 2014