They know each other as neighbors and friends as well as through their work. In order to reinforce their capital and better manage their business, they have joined the Soro Yiriwaso microfinance institution and are now on their fifth loan, with the four prior loans duly repaid. The group members sell used clothing, firewood, fish, outfits etc. Dikel, the first one on the right, buys and resells fish. She plans to use her loan to buy 500 kg [about 1100 lbs] of fish from wholesalers. She sells at the marketplace, at the markets of nearby villages and out of her home, retail, for cash and on credit, to a customer base composed of both women and men.She plans to earn an average monthly revenue of 50,000 West African franks, which will be used to reinvest in her business and pay off the loan.
Elles se sont connues à travers des liens de voisinage, d’amitié et de commerce. Afin de renforcer leurs capacités financières pour de mieux faire leurs commerces, elles ont adhéré à l’institution de microfinance Soro Yiriwaso avec laquelle elles sont à leur cinquième prêt et tous les quatre prêts précédents ont été correctement remboursés. Ce groupe de femmes fait le commerce de friperie, de bois de chauffe, de poissons, d ’habits, etc.
DIKEL, première de la droite vers la gauche, fait l’achat vente de poissons. Elle compte acheter avec son prêt, 500 kilos de poissons auprès des grossistes. Elle effectue ses ventes au marché, dans les foires des villages environnants et à domicile, en détail au comptant et à crédit à une clientèle composée d’hommes et de femmes.
Elle envisage réaliser un bénéfice mensuel moyen de 50.000FCFA qui sera investi dans les activités et rembourser le prêt.
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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