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Djekafo (Soyons Ensemble Group
In this Group: Tennin , Assetou , Kamissa , Naba , Awa
The members of the group Djekafo are married women averaging 23 years of age and three children. They live in traditional extended families with their husband, co-wives, children, brothers-in-law, parents-in-law, and other parents in the village of Marka-Coungo (Koulikoro region, Republic of Mali).

This group opted to buy and sell cosmetics, quinqueliba, and sometimes condiments. Quinqueliba is a plant used as a coffee substitute that has therapeutic properties. Renown for the quality of the goods they furnish, this group continuously increases its customer base.

And so, in order to maintain and satisfy these customers, the group members decided together to work with the Soro Yiriwaso loan program four years ago. After seven solidarity loans (group loans), all correctly repaid, the group is on its eighth loan, which will be used to buy 500 containers of ointment, 330 bottles of perfume of different grades, and a sizable quantity of quinqueliba.

They buy the quinqueliba in the villages surrounding Marka-Coungo and stock it at home, and then they resell it for cash in Bamako (capital of Mali) to wholesalers. On the way back to Marka-Coungo, they buy cosmetic products, which will be sold to women, cash or credit accepted, at the marketplaces of Marka-Coungo and Fana.

With this loan, they each hope to realize a profit of 30,000 francs CFA, which will be used essentially to bolster their working capital.

View original language description ↓
Les membres du groupe Djekafo sont des femmes mariées ayant une moyenne d’âge de 23 ans et 3 enfants .Elles vivent dans de familles traditionnelles élargies avec leur mari, des coépouses, les enfants, les beaux frères, les beaux parents et autres parents dans le village de Marka-Coungo (Région de Koulikoro République du Mali)
Ce groupe a opté pour l’achat et la vente des produits cosmétiques, du quinqueliba et quelques fois des condiments alimentaires. Le quinqueliba est une plante qui sert de substitue au café et est utilisé pour ses vertus thérapeutiques. Reconnu et réputé pour la qualité des produits fournis, ce groupe ne cesse d’augmenter le nombre de sa clientèle. Afin donc de maintenir et de satisfaire les besoins cette clientèle, elles décidèrent ensemble de travailler avec le programme crédit de Soro Yiriwaso depuis maintenant 4 ans. Après sept prêts solidaires (prêt de groupe) tous correctement remboursés, Djekafo est à son huitième prêt qui sera utilisé pour acheter, 500 boites de pommade, 330 bouteilles de parfums de différentes qualités et une importante quantité de quinqueliba. Elles achètent le quinqueliba dans les villages environnants de Marka-Coungo pour les stocker à domicile et ensuite les revendre à Bamako (capitale de la république de Mali) au comptant à des grossistes. De retour sur Marka-Coungo elles achètent les produits cosmétiques qui seront vendus à une clientèle féminine au comptant en détail et à crédit au marché de Marka-Coungo et de Fana.
Avec ce prêt elles espèrent réaliser un bénéfice de 30 000 FCFA chacune qui sera utilisé essentiellement à renforcer le fonds de commerce.

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
  • 28
    View loans »
    Mali Loans Fundraising
  • $11,391,925
    Funds lent in using Kiva
  • 516.0
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Djekafo (Soyons Ensemble Group's $1,225 loan helped a member to buy cosmetic products and some herbal tea.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 22, 2008
Dec 1, 2008
Currency Exchange Loss:
May 15, 2009