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Sabougnouman (Porte Bonheur) Group
In this Group: Dji, Ami, Oumou, Djènèbou, Mamou, Fatoumata, Kadia, Bintou, Fatoumata
Sabougnouman (meaning 'good luck charm') is a group of nine women (of whom three are widows and six are married). The group members average 41 years of age and five children. They live in traditional polygamous families in the Bamanan Kin district of Kirango, in the sub-prefecture of Markala (fourth administrative region of Mali).

Each belonging to the same traditional mutual-aid association and doing the same income-generating work, namely buying and selling fish and grain, the women of the Sabougnouman group decided jointly to sign up with the institution two years ago. After having correctly repaid their two preceding loans, the group is on its third solidarity loan (group loan).

They intend to use this new loan to buy: 50 baskets of fish, 5 slabs of ice, 12 sacks of millet, 4 sacks of rice, and 2 sacks of beans. While they get their supplies of fish from fishermen on the River Niger at the entrance of the Markala Dam, the grain is gotten from wholesale vendors at the weekly marketplace of Diamarabougou on Sundays. If a portion of the fish is sold fresh (to women customers), the rest is smoked at home over traditional hearths designed especially for this, in order to be sold retail to bulk merchants, sometimes at the daily marketplace of Kirango Markala, in Ségou and in Bamako (the capital of Mali). The grain is sold at the Diamarabougou marketplace to customers composed of women and men and generally in cash at the retail level.

They each hope to realize an average profit of 32,000 francs CFA each month that will be used for covering the children's school fees and to help their husbands meet family expenses. Their ambition is to buy a house in which to live, especially for the orphans.
View original language description ↓
Sabougnouman est un regroupement de neuf (9) femmes (constitué de 3 veuves et de 6 mariés) ayant une moyenne d’âge de 41 ans et 5 enfants. Elles vivent dans des familles polygames traditionnelles dans le quartier bamanan kin de kirango dans la sous préfecture de Markala (quatrième région administrative du Mali).
Appartenant toutes à la même association traditionnelle d’entraide et à la une même activité génératrice de revenu à savoir l’achat vente du poisson et des céréales, les femmes du groupe Sabougnouman décidèrent ensemble de rejoindre l’institution depuis maintenant deux ans. Après avoir correctement remboursés les deux prêts précédents, le groupe est à son troisième prêt solidaire (prêt de groupe).
Elles comptent utiliser ce nouveau prêt pour acheter, 50 paniers de poisson, 5 barres de glace, 12 sacs de mil, 4 sacs de riz et 2 sacs d’haricot. Tandis qu’elles s’approvisionnent en poisson au bord du fleuve Niger à l’entrée du barrage de Markala auprès des pêcheurs, les céréales quant à elles au marché hebdomadaire de Diamarabougou les dimanches auprès des forains grossistes. Si une partie du poisson est vendue à l’état frais (à une clientèle féminine), l’autre partie est fumée à domicile sur des foyers traditionnels conçus spécialement pour cette activité, pour ensuite être vendus en détail parfois au marché journalier de Kirango Markala, à Ségou et à Bamako (capitale du Mali) à des grossistes. Les grains de céréales sont vendus au marché de Diamarabougou à une clientèle constituée de femmes et d’hommes et généralement en détail et au comptant.
Elles espèrent réaliser chacune un bénéfice moyen de 32.000FCFA par mois qui sera utilisé pour la prise en charge des frais scolaires des enfants et aider les époux à subvenir aux charges familiales. Elles ont pour ambition d’acheter une maison à usage d’habitation surtout pour les orphelins.

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
  • 3
    View loans »
    Mali Loans Fundraising
  • $11,596,000
    Funds lent in using Kiva
  • 483.5
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD