The members of the DJANTOYERELA 1 group are all married women, on average 36 years old and with three children, all living in polygamous families in Kalakan, a village in the Kolondieba region (3rd largest region in Mali). They collaborate with the microfinance institution Soro Yiriwaso in order to ensure the success of their farming plans during the winter season. They are on their sixth loan, all previous loans have been successfully reimbursed. Mariam, seen sitting in the photo, grows peanuts. This loan will allow her to purchase grains and cover other resources and labor costs to harvest three acres of land. The output is sold at the village market in Kolondieba to a client base made up of both men and women. She hopes to make a profit of 185 500 FCFA (approximately 282 USD) per season. This profit will allow her to reimburse her loan, as well as help her husband to take care of the daily expenses.
Les membres du groupe DJANTOYERELA 1 sont des femmes mariées ayant une moyenne d’âge de 36 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 sixième prêt avec l’institution, les prêts passés ont été bien remboursés.
La spéculation cultivée est l’arachide avec MARIAM la seule assise sur la photo.
Avec son prêt, elle compte acheter des intrants, la semence et payer les frais de labour 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.