The members of the BENKELEMA 2 group are married woman, on average 26 years old with three children, who all live in polygamous families in Kalakan, a village in the Kolondieba region (3rd largest administrative region in Mali). They collaborate with the microfinance institution Soro Yiriwaso in order to successfully complete the planning of their farming activities during the winter season. They are asking for their seventh loan, the previous six having been successfully reimbursed. Diatou (seen 3rd from the left in the photo) cultivates rice. This loan will allow her to purchase rice seeds and other resources, and cover the labor costs of cultivating on 3 acres of land. She sells the product at the local village market in Kolondieba, to a client base composed of both men and women. She hopes to earn a profit of 185 000 FCFA (approximately 282 USD) per area of land. This will allow her to pay back her loan, in addition to helping her husband take care of daily family expenses.
Les membres du groupe BENKELEMA 2 sont des femmes mariées ayant une moyenne d’âge de 26 ans, 3 enfants et vivant toutes dans des familles polygames à KALAKAN, un des villages de KOLONDIEBA, 3ème région administrative du Mali.
Elles collaborent avec l’institution de microfinance Soro Yiriwaso afin de mener à bien leurs activités agricoles pendant l’hivernage.
Elles sont à leur septième prêt avec l’institution, les prêts passés ont été bien remboursés.
La spéculation cultivée est le riz avec DIATOU F 3ème de la gauche vers la droite sur la photo.
Avec son prêt, elle compte acheter des intrants, la semence et payer les frais de labours pour exploiter :3 hectares.
La production est vendue au niveau du village, au marché de KOLONDIEBA après la récolte à une clientèle composée d’hommes et de femmes.
Elle compte réaliser un bénéfice de 185.500FCFA par campagne.
Ce bénéfice lui permettra de payer son prêt et aussi d’aider son mari dans les dépenses quotidiennes.
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.