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Sabougnouma (Porte Bonheur) Group
In this Group: Magnele, Mala, Rokia, Setou, Mariam, Kadiatou, Djeneba, Mariam, Fatoumata, Minata
The members of this Sabougnouma group are married women with an average age of 45 and on average, 8 children. They live in polygamous families with their husbands, co-spouses, brothers, sisters, parents-in-law, and children in the village of Sikouna 1, Sub-prefecture of Fana (Koulikoro Region, Republic of Mali).

This is a group that sells: condiments (salt, spices), edibles (shelled peanuts, cowpeas and cowpea flour, dah leaves for tea), locally produced soaps, cola nuts, etc.

Sabougnouma is bound by ties of neighborhood and friendship.

They do their shopping for condiments and cola nuts at the big market in Bamako and sometimes in Fana where locally produced soap is always available. They procure their foodstuffs right in Sikouna 1 and in the surrounding villages. They form a network of suppliers for the retailers of the villages who purchase from them on credit in their homes in the village. They also go to the weekly market fairs such as the one at Marka coungo (where lots of sales are made) where they retail goods on a cash basis.

This group’s clientele is essentially made up of retailers (women, men) and consumers. They expect to buy 15 kg of spices for 1800 FCFA each to be sold for 2500 FCFA the kilogram, i.e., at a profit of 10,500 FCFA, 50 kg of dried cowpeas at 11,000 FCFA to be sold at 20,000 FCFA, i.e., at a profit of 9000 FCFA, 1 kg of cola nuts at 2000 FCFA to be sold by the piece making a profit of 2000 FCFA.

The women of the group expect to make an average monthly profit of 10,000 FCFA with which they will make repayments on the loan and especially reinforce their businesses.

Translated from French by Teresa Kramer, Kiva volunteer

Les membres du groupe Sabougnouma sont des femmes mariées ayant une moyenne d’age de 45 ans et 8 enfants Elles vivent dans des familles polygames avec leurs maris, coépouses, frères, sœurs, beaux parents et enfants dans le village de Sikouna 1 sous préfecture de Fana (Région de Koulikoro République du Mali)

C’est un groupe qui fait le commerce de : condiments (sel de cuisine épices) denrées alimentaires (arachide décortiqué, graines et farine de niébé, du dah) savons de fabrication locale et de la cola etc.

Sabougnouma est essentiellement lié par des relations de voisinages et d’amitié.

Elles se ravitaillent au grand marché de Bamako pour les condiments, la cola et quelques fois à Fana ou le savon de fabrication locale s’y trouve en permanence .Pour les denrées alimentaires elles s’approvisionnent sur place à Sikouna 1 et dans les villages environnants. Elles forment un réseau de demi grossistes pour les détaillants des villages qui se ravitaillent généralement à crédit chez elles à domicile au niveau du village .Elles fréquentent aussi les foires hebdomadaires telles celle de Marka coungo (lieu de faire de bonnes affaires) ou les ventes se font au comptant et à détail.

La clientèle de ce groupe est essentiellement constituée de détaillants (femmes, hommes) et de consommateurs.
Elles comptent acheter 15kg d’épices à 1800FCFA l’unité et vendus à 2500FCFA le kilogramme soit un bénéfice de 10500FCFA, 50 kg de niébé à11000FCFA et vendus à 20000FCFA soit 9000FCFA de bénéfice, 1kg de cola à 2000FCFAvendu à détail donne un bénéfice 2000FCFA.

Les femmes du groupe envisagent réaliser un bénéfice mensuel moyen de 10000FCFAavec lequel elles vont payer les intérêts du prêt, et surtout renforcer leurs activités.

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
  • 8
    View loans »
    Mali Loans Fundraising
  • $11,612,200
    Funds lent in using Kiva
  • 414.6
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Sabougnouma (Porte Bonheur) Group's $1,225 loan helped a member purchase and re-sale of various items

Achat vente d’articles divers.

100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Aug 6, 2008
Jul 20, 2008
Currency Exchange Loss:
Mar 16, 2009