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Joli Group
In this Group: Adam , Korotoumou , Maminata, Awa
The four members of the group called Joli are married women with an average age of 34 and have on average two children. They mostly live in traditional families in Sanoubougou II, one of the working class neighborhoods of the town of Sikasso, third administrative region of Mali.

They are on their seventh solidarity loan with the microfinance institution Soro Yiriwaso in order to satisfy the needs of their clientele.

Madame Adam, the second woman standing from left to right in the photo of the members of Joli Group, sells cooked food. She intends to use her loan to buy two sacks of 50 kg of rice, 10 packages of Maggi cubes, one 50 kg basket of potatoes, one sack of salt and various condiments to make good food at the big market, where she is much in demand with her clientele, thanks to the quality of her products.

Her sales are made retail in her restaurant in Sanoubougou II, her clientele being composed of men and women, with sales for cash or credit. She expects to make an average monthly profit of 40,000 francs CFA, of which one part will be used to repay the loan and interest, and the other part put aside as savings.
View original language description ↓
Les quatre membres du groupe JOLI sont des femmes mariées avec une moyenne d’âge de 34 ans, et ont en moyenne 2 enfants. Elles vivent la plupart dans des familles traditionnelles à SANOUBOUGOU II un des quartiers populaires de la ville de Sikasso 3ème région administrative du Mali.
Elles sont à leur septième prêt solidaire avec l’institution de microfinance Soro Yiriwaso afin de satisfaire le besoin de leur clientèle.
Madame ADAM débout à la deuxième position de la gauche vers la droite sur la photo dans ce groupe des femmes JOLI , fait la restauration.
Elle compte acheter avec son prêt 2 sacs de 50 kg de riz, 10 paquets de cube maggi, 1 panier 50 kg de pomme de terre, 1 sac de sel, plus divers condiments pour la bonne cuisine au grand marché d’où elle est beaucoup sollicitée de sa clientèle par la qualité de ses produits.
La vente se fait en détail dans sa restaurant à SANOUBOUGOU II à une clientèle composée d’homme et de femme au comptant et à crédit.
Elle envisage réaliser un bénéfice mensuel moyen de 40 000 francs CFA dont une partie est utilisée pour payer le prêt et son interêt et l’autre pour son épargne.

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
  • 40
    View loans »
    Mali Loans Fundraising
  • $11,450,100
    Funds lent in using Kiva
  • 480.6
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A portion of Joli Group's $1,475 loan helped a member to buy rice, potatoes, and condiments for food cooked for resale.
99% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 20, 2014
Jul 28, 2014
Currency Exchange Loss:
Jan 17, 2015