The women know each other through family ties and make a living trading condiments, beverages, grains and other products. After having successfully repaid their previous loans, the women in the Mougnou Group are on their 2nd solidarity loan cycle. Lidy, who is standing on the far right of the photo, intends to use the loan to buy two crates of Coca-Cola, 2 crates of Fanta and 2 crates of beer. She buys her products locally. She sells her products to a clientele consisting of both men and women for cash and often on credit.
She plans to make an average monthly profit of 20 000 FCFA that she will use to cover expenses related to healthcare, food and education costs. She will reinvest the remaining profit into her business.
Ces femmes se sont connues à travers des liens de parenté et font les activités d’achat et de vente des condiments, des boissons, des grains et des produits divers. Après avoir remboursés correctement leurs prêts précédents, les femmes du groupe MOUGNOU sont à leur 2ème prêt solidaire. LIDY 1ère femme debout à droite sur la photo ; compte utiliser son prêt pour acheter 2 casiers de COCA-COLA ,2 casiers de FANTA et 2 casiers de Bière. 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 20.000FCFA qui sera utilisé dans les dépenses relatives à la santé, à la nourriture, 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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