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Djiguisseme (Soutien) Group
In this Group: Nagnini , Fatoumata , Sitan , Doukou
All born into the Fulani community (an ethnic group specializing in raising livestock in Mali), the members of the group Djiguisseme are mostly married women who average 24 years of age and two children. They live in traditional extended families in the village of Marka-Coungo (Region of Koulikoro, Republic of Mali). Linked by ties of kinship and profession, this group essentially trades in cow's milk and milk products (fresh milk, curdled milk, cream, and butter). The group is on its seventh solidarity loan (group loan) with the micro-finance institution Soro Yiriwaso. All of the preceding loans have been correctly repaid.

They intend to use this loan to buy 700 liters of milk from livestock farmers locally in Marka-Coungo and from surrounding villages. A portion of the milk is sold fresh, and the rest (milk products) are sold in the Marka-Coungo marketplace to customers composed of the residents and of wholesalers from big cities, such as Bamako (capital of Mali), Fana, and Koulikoro. This operation is repeated every two days if the profit margin is very large.

They each envision realizing an average profit of 40,000 francs CFA per cycle that will be used to cover family expenses and the rest to boost working capital.
View original language description ↓
Issue toutes de la communauté peuhl (Ethnie spécialisée dans l’élevage au Mali), les membres du groupe Djiguisseme sont en majorité des femmes mariées ayant en moyenne 24 ans et 2 enfants. Elles vivent dans des familles traditionnelles élargies dans le village de Marka-Coungo (Région de Koulikoro République du Mali).
Liées par des relations de parenté et professionnel, ce groupe fait essentiellement l’achat et la vente de lait et ses dérivés (lait frais, caillé, du crème et du beurre de vache).
Le groupe Djiguisseme est à son septième prêt solidaire (prêt de groupe) avec l’institution de microfinance Soro Yiriwaso et tous les prêts précédents ont été correctement remboursés.
Elles comptent acheter avec ce prêt, 700 litres de lait auprès des éleveurs sur place à Marka-Coungo et dans les villages environnants. Une partie du lait est vendue à l’état frais, et l’autre partie(caillée et les dérivés du lait)est vendue dans le marché de Marka-Coungo à une clientèle composée de résidents et de grossistes venant des grandes villes telles que Bamako(capitale de la république du Mali), Fana et Koulikoro. Cette opération est renouvelée chaque 2 jours si bien la marge bénéficiaire est très importante.
Elles envisagent réaliser chacune un bénéfice moyen par cycle de 40 000 FCFA qui sera utilisé pour les dépenses de la famille et reste, renforcé 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
  • 18
    View loans »
    Mali Loans Fundraising
  • $11,391,850
    Funds lent in using Kiva
  • 516.0
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD