These women know each other through familial relations, and run businesses buying and selling various items such as food condiments, clothing, cereals, cola, and prepared meals.
After having properly repaid their 3 previous loans, the women of the Djiguisseme group are on their fourth solidarity (group) loan, which will be used to buy a large quantity of food condiments, several bags of cereals (rice, millet, beans), and ingredients to prepare meals.
They get their supplies in Bamako (the capital of Mali) and in Konobougou. They make their sales in Wela, at the Konobougou city market, and at the neighbouring area market-days, in cash, at retail, and on credit, to a clientele composed of women and men.
They plan to realize an average monthly profit of 10,000 FCFA each, which will be used to pay for expenses related to health, food, and school fees, with the remainder being reinvested in their businesses.
Ces femmes se sont connues à travers des liens de parenté et font les activités d’achat et de vente d’articles divers tels les condiments alimentaires, les habillements, les céréales, la cola et la restauration.
Après avoir correctement remboursés les 3 prêts précédents, les femmes du groupe Djiguisseme sont à leur quatrième prêt solidaire qui sera utilisé pour acheter, une grande quantité de condiments alimentaires, quelques sacs de céréales (riz, mil, haricot) et des ingrédients pour la restauration.
Elles s’approvisionnent à Bamako (capitale du Mali) et à Konobougou. Elles effectuent leurs ventes, à Wela, au marché de Konobougou ville et dans les foires environnantes, au comptant, en détail et à crédit, à une clientèle composée de femmes et d’hommes.
Elles envisagent réaliser chacune un bénéfice moyen mensuel de 10.000FCFA qui sera utilisé dans les dépenses relatives à la santé, à la nourriture, aux frais scolaires et le reste sera réinvesti dans les activités.
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