They work together with the micro-finance institution Soro Yiriwaso so as to satisfy the needs of their clientele and are on their 4th solidarity loan. The 3 preceding loans were all correctly reimbursed. They sell clothing, basins, fruit, and dry goods, and they provide services such as sewing.
With their new loan they intend to buy 5 dozen basins, 5 baskets of oranges, 2 stalks of bananas, 3 sacks of pineapple, 14 cases of apples, 2 sacks of sugar, two jerrycans of 20 liters of oil, 3 packets of various items, a dozen spools of sewing thread, and 3 lengths of cloth. They do their buying in the big open-air market of Sikasso town and in the surrounding villages. They sell their goods in Sikasso town in the various markets and in the neighborhoods on foot, and provide their services out of their homes. They sell for cash and occasionally for credit, to a clientele composed of men and women.
They each expect to make an average monthly profit of 32,500 F CFA of which part will be put into savings and used for family needs, the rest being invested back into their businesses. They count on having more working capital so as to better satisfy their clientele and to be able to set up a venue for their service-oriented businesses.
Elles collaborent avec l’institution de microfinance Soro Yiriwaso afin de satisfaire le besoin de leur clientèle et sont à leur quatrième prêt solidaire, tous les prêts passés se sont bien dénoués.
Elles font de la vente d’habits, de tasses, des fruits, des articles de boutique et des prestations de services telle la couture..
Avec leur nouveau prêt, elles comptent acheter, 5 douzaines de tasses, 5 paniers d’oranges, 2 régimes de bananes, 3 sacs d’ananas, 3 cartons de pommes, 2 sacs de sucre, 2 bidons d’huile de 20 litres, 3 paquets d’articles divers, une dizaine de fils à coudre et 3 pièces de tissus. Elles s’approvisionnent au grand marché de Sikasso ville et dans les villages avoisinants. Elles vendent à Sikasso ville dans les marchés et dans les quartiers de façon ambulante et font leurs prestations de service très souvent à domicile. Elles vendent au comptant, quelques fois à crédit, à une clientèle composée d’hommes et de femmes.
Elles envisagent réaliser chacune un bénéfice mensuel moyen de 32.500 FCFA dont une partie sera utilisée pour l’épargne, les besoins de la famille et l’autre partie sera réinvestie dans les activités.
Elles comptent avoir plus de capitaux pour mieux satisfaire leurs clientèles et pouvoir aménager un point pour leurs prestations.
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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Success!! The loan was 100% repaid