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Teriya (Amitié) Group
In this Group: Aby, Aby , Tènè , Souaré , Mawa
Teriya is a group of women from Koutiala who live together in the same neighborhood, in large traditional families with their husbands, children and co-spouses. They are 53 years old on average, married, and the mothers of at least four children. The Teriya group buys and sells cosmetic products, clothing, and spices for cooking and catering. In order to increase the size of their businesses, the members of the group decided to join the credit institution of Soro Yiriwaso eight years ago. Souaré, who is one of the members, buys and sells clothing. She is sitting in the center of the photo, dressed in a green boubou, or dress. She is holding the merchandise on her legs (the pagnes, or brightly colored local fabric) and is wearing a necklace around her neck. She expects to use her loan to buy measures of pagnes. She gets her merchandise in bulk at the big markets in Koutiala and Bamako in order to re-sell them at retail to a diverse customer base. While the other members of the Teriya group expect to make a monthly profit of 105,000 FCFA each during this cycle, Souaré expects to make 110,000 FCFA. Along with paying back her loans, she will use a part of her revenue to pay for her family's current expenses. She hopes to strengthen this partnership with Soro Yiriwaso in order to diversify her business.
View original language description ↓
Teriya est un regroupement de femmes de Koutiala qui vivent ensemble dans le même quartier, dans de grandes familles traditionnelles avec leurs maris, enfants et coépouses. Elles ont en moyenne 53 ans, sont mariées et mères d’au moins 4 enfants.
Ce groupe Teriya fait l’achat et la vente de produits cosmétiques, d’habillements, de condiments alimentaires et de la restauration.
Pour augmenter la taille de leurs activités, les membres du groupe ont décidé d’intégrer le programme crédit de Soro Yiriwaso il y a huit ans.
Souaré, qui est un des membres fait l’achat et la vente des habits. Elle est assise au milieu de la photo, habillée en grand boubou vert. Elle porte des marchandises sur ses pieds (des pagnes) et un collier au tour du cou.
Elle compte utiliser son prêt pour acheter des pagnes en quantité. Elle se procure de ses marchandises au grand marché de Koutiala et à Bamako en gros, pour les revendre en détail et au comptant à une clientèle diverse.
Tandis que les autres membres du groupe Teriya comptent réaliser un bénéfice moyen de 105 000FCFA chacune au cours de ce cycle, Souaré elle, compte réaliser 110 000 FCFA.
En plus du remboursement des prêts, elles utilisent une partie du revenu pour faire face aux dépenses courantes de la famille.
Elles souhaitent voir renforcer ce partenariat avec Soro Yiriwaso pour pouvoir diversifier leurs 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
  • 50
    View loans »
    Mali Loans Fundraising
  • $12,694,550
    Funds lent in using Kiva
  • 505.1
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Teriya (Amitié) Group's $1,000 loan helped a member to purchase pagnes, a brightly colored local fabric.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 8, 2011
Dec 19, 2011
Currency Exchange Loss:
Jul 15, 2012