These women know one another through ties of neighborhood, kinship, marriage and also through their income-generating activities in the Missira neighborhood. They are involved in retail businesses and sell clothes, utensils and cooked food. In order to increase their businesses, the members of the group have decided to join Soro Yiriwaso. This is their eleventh cycle of solidarity loan.
Aissata (second from the left in the photo) is an important seller of various items in Missira and the surrounding neighborhoods. In order to meet her customers' demand, she is planning to use her loan to buy 2 packages of apparels (clothing for children and women) and 3 packages of kitchen utensils (such as metal sponges for washing pots, plates) from suppliers at the Ségou and Bamako markets. She sells her merchandise at the market and from home and she also works as an itinerant seller. Her customers are men and women. They pay her in cash and also often on credit.
With this loan, Aissata hopes to make an average monthly profit of 55,000 CFA francs, which will be used to take care of some of her family's expenses and to increase her business.
Elles se sont connues à travers des liens de voisinage, de parenté, mariage et de leurs activités génératrices de revenu dans le quartier de Missira. Elles font le petit commerce d’habillement, d’ustensiles et de restauration. Dans le but d’augmenter leurs fonds de commerce, les membres du groupe ont décidé de collaborer avec Soro Yiriwaso et sont à leur 11éme cycle du prêt solidaire.
Madame Aissata (2éme femme de la gauche vers la droite dans la photo) est une grande vendeuse d’article divers dans le quartier de Missira et ses environnants. Elle compte utiliser son prêt pour acheter 2 colis d'habillements(vêtements pour enfants et femmes) et 3 colis d'ustensiles de cuisine (tels les éponges métalliques pour laver les marmites, les assiettes), chez les grossistes dans les marchés de Ségou et de Bamako pour la satisfaction de la demande clientèle. La vente se fait au comptant et souvent à crédit à une clientèle mixte dans le marché, à la maison et en ambulant.
Madame Aissata espère réaliser un bénéfice mensuel moyen de 55 000 FCFA avec ce prêt, qui sera utilisé pour prendre en charge une partie de la famille et augmenter son fonds de commerce.
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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