These women met through their families and neighbors. They trade in condiments and various other items.
After repaying their previous loans, the women of group Teriya are on their eleventh solidarity loan. Fatoumata, the first woman from the left in the photo, plans to use her loan to purchase 25 kilos of rice, 10 kilos of beans, 5 kilos of onions, 5 liters of oil, and one package of bouillon cubes. She buys her supplies locally. She retails to a mixed-gender clientele. She takes cash and often extends credits.
She is counting on an average monthly profit of 45,000 XOF, which will be used to pay expenses relative to healthcare, food, clothing, and school. Any remainder will be reinvested in her business.
Ces femmes se sont connues à travers des liens de parenté, voisinage et font les activités d’achat et de vente des condiments alimentaires et des articles divers.
Après avoir remboursés correctement leurs prêts précédents, les femmes du groupe TERIYA sont à leur 11ème prêt solidaire. FATOUMATA, 1ère femme à gauche sur la photo ; compte utiliser son prêt pour acheter 25Kg de riz, 10Kg de haricot, 5Kg d’ognon, 5 Litres d’huile et 1 paquet de Cube Maggi. Elle s’approvisionne sur place. Elle effectue ses ventes, à une clientèle composée de femmes et d’hommes en espèce et souvent à crédit.
Elle envisage réaliser un bénéfice moyen mensuel de 45.000FCFA qui sera utilisé dans les dépenses relatives à la santé, à la nourriture, l’habillement, aux frais scolaires et le reste sera réinvesti dans les activités.
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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