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Benkelema (Unity) Group
In this Group: Kary, Dialia, Sali, Djeneba
The four women of the Benkelema group (all married) have an average age of 32 and on average 2 children. They live in traditional families in Gongebougou, one of the villages of the Sous-prefecture of Loulouni, Kadiolo circle, third administrative region of the Republic of Mali (Sikasso).

They have various businesses, among others selling rice, couscous, and karité (shea) butter. They work together with the micro-finance institution Soro Yiriwaso so as to satisfy the needs of their clientele, and they are on their fourth group loan, all preceding loans having been repaid correctly.

With this new loan, they intend to buy 3 sacks of 100 kg of paddy rice to hull and sell, 4 sacks of 100 kg of sorghum to make into couscous for sale, and 2 sacks of 100 kg of karité (shea) nuts to sell or to make into shea butter. They do their buying in Gongebougou and the surrounding area. The merchandise is sold for cash or on credit in the markets of Dallen, Nimbougou and Loulouni on market days, to a clientele composed of men and women.

They each expect to make an average monthly profit of 12,000 F CFA of which part will be used for family needs and the rest will be reinvested in their businesses.

View original language description ↓
Les quatre femmes du groupe Benkelema (toutes mariées) avec une moyenne d’âge de 32 ans, ont en moyenne 2 enfants. Elles vivent dans des familles traditionnelles à Gongebougou un des villages de la sous préfecture de Loulouni, cercle de Kadiolo, 3ème région administrative de la république du Mali (Sikasso).

Elles mènent diverses activités qui sont entre autres la vente de riz, de couscous et de beurre de karité. Elles collaborent avec l’institution de microfinance Soro Yiriwaso afin de satisfaire le besoin de leur clientèle et sont à leur quatrième prêt de groupe, tous les précédents se sont bien dénoués.

Avec ce nouveau prêt, elles comptent acheter 3 sacs de 100 kg de riz paddy pour les décortiquer et revendre, 4 sacs de 100 kg de sorgho pour en faire du couscous afin de le revendre et 2 sacs de 100 kg de noix de karité pour les revendre ou en faire du beurre de karité pour le revendre. Elles s’approvisionnent à Gongebougou et dans les localités avoisinantes. Les marchandises sont vendues au comptant en détail et à crédit au marché de Dallen, Nimbougou et Loulouni les jours de foire à une clientèle composée d’hommes et de femmes.

Elles envisagent réaliser chacune un bénéfice mensuel moyen de 12.000FCFA dont une partie sera utilisée pour les besoins de la famille et l’autre partie sera investie dans les activités.

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
  • 5
    View loans »
    Mali Loans Fundraising
  • $11,609,175
    Funds lent in using Kiva
  • 508.6
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Benkelema (Unity) Group's $400 loan helped a member purchase of cereals (rice and sorghum) and karité (shea) nuts.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 17, 2009
Apr 1, 2009
Currency Exchange Loss:
Sep 15, 2009