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Sabougnouma Group
In this Group: Fanta , Sali, Mamou, Setou
Sabougnouma is a Hamdallaye group of women in the city of Koutiala. They live in large traditional families with their husbands, children, and other relatives. The women average 43 years of age and have at least four children. This group of women does commerce in various goods, such as condiments, cosmetic products, cloth, thread, beverages, and general goods. To increase the size of their businesses, the group members decided to join the Soro Yiriwaso loan program. They are now on their 19th group loan.

Mamou, a member of the group Sabougnouma, is the one sitting at the end on the left. She is a vendor of condiments and soft drinks, such as orange juice, bissap [made from dried hibiscus flowers], tamarind, or zaban [made from a vine fruit], and she intends to use her loan to purchase fruit that she processes into drinks over time, so as to sell them to a diverse customer base at her house. She procures these condiments at the big market.

While the other members of the group Sabougnouma plan on making an average profit of 100,000 francs CFA each over the course of the cycle, Ms. Mamou plans on making 105,000 francs. In addition to paying back the loans, the women use part of the revenues to cope with personal expenses and to increase their business capital. They would like to see this Soro Yiriwaso partnership bolstered, so that inventory shortages are rare.
View original language description ↓
Sabougnouma est un regroupement de femmes de Hamdallaye de la ville de Koutiala qui vivent dans de grandes familles traditionnelles avec leurs maris, enfants et autres parents. Elles ont en moyenne 43 ans et ont au moins 4 enfants.
Ce groupe de femmes fait le commerce d’articles divers tels que, des Condiments, Produits cosmétiques, Tissus, File, Boisson et divers. Pour augmenter la taille de leurs activités, les membres ont décidé d’intégrer le programme crédit de Soro Yiriwaso. Elles sont à leur dix-neuvième prêt de groupe.
Mamou est un membre du groupe Sabougnouma assise au bout et à gauche, qui est vendeuse de Condiments et de boisson non alcoolisées (jus d’orange, bisap, tamarin, zaban). Elle compte utiliser son prêt pour acheter des fruits qu’elle transforme en boisson au fur et à mesure qu’elle les vend à la maison à une clientèle diverse. Elle se procure de ces condiments au grand marché.
Tandis que les autres membres du groupe Sabougnouma comptent réaliser un bénéfice moyen de 100 000CFA chacune au cours de ce cycle Mme Mamou compte réaliser 105 000FCFA.
En plus du remboursement des prêts, elles utilisent une partie du revenu pour faire face aux dépenses personnelles et augmenter son fonds de commerce.
Elles souhaitent voir renforcer ce partenariat avec Soro Yiriwaso pour que les stocks ne soient pas rares.

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
  • 35
    View loans »
    Mali Loans Fundraising
  • $11,450,100
    Funds lent in using Kiva
  • 473.6
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD