A loan of $1,675 helped a member purchasing ingredients for the production of incense.

Benkadi Group's story

The Benkadi group, part of the Allachon microcredit association, is made up of 8 married women from the San region of Ségou, the fourth largest region in the Republic of Mali. They live as part of traditional families and are of an average age of 42 with at least 6 children each. They met through neighbourly and parental links.
The Benkadi group have sold condiments, incense and cosmetics for the past twenty years. There is one lady within the group that is very sought after for the quality of her incense; Hawa Mallé, aka 'eternal beauty'. Hawa sources her goods from Bamako and intends to buy 3kg of 'magnokisseni' (an incense ingredient), 12 bottles of different fragrances and 1kg of 'djekalani' (another incense ingredient). She combines these three ingredients on the same day and lets the mixture rest for a week. The following week she bottles the mixture and sells it to a customer base made up of women and men buying it for their wives. Mrs Hawa takes cash, and occasionally credit, sales.
She hopes to generate a 25,000 FCFA profit every month, and the other group members envisage generating profits of 21,000 FCFA. These profits will enable them to repay their loans and meet their family's needs.

In this group: Chata , Fati , Hawa, Aminata, Setou, Youma , Foune , Lala

Translated from French by Kiva volunteer Danielle Treharne

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