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Etoile Group
In this Group: Kadiatou , Mariam , Safoura , Nassoun, Nene , Dialia
Most of them married in traditional families and averaging 40 years of age and four children each, the six women of the group Etoile all live in Sikasso City (3rd administrative region of the Republic of Mali). They know one another through ties of kinship, community, and their professional work. They buy and sell clothing, grains, plasticware, and general merchandise.

With the goal of increasing their business capital, the group members joined the microfinance institution Soro Yiriwaso and are now on their third solidarity loan cycle.

Ms. KADIATOU, who is standing third from the left in the photo, intends to use her loan to purchase 7 lengths of Wax 'pagnes' (the colorful cloth of western Africa). She gets her supplies locally in Sikasso from wholesalers and sells from home. Her customer base is composed of men and women.

With this loan, she plans on making an average monthly profit of 20,000 francs CFA that will be used to reinvest in her business and to meet certain household needs.
View original language description ↓
Mariées majoritairement dans des familles traditionnelles avec une moyenne d’âge de 40 ans et 4 enfants, les six femmes du groupe Etoile habitent toutes dans la ville de Sikasso (3ème Région administrative du Mali) et se sont connues à travers des liens de parenté, de voisinage et de leurs activités professionnelles.
Elles font de la vente des habits, des céréales, des articles en plastique et des articles divers.
Dans le but d’augmenter leurs fonds de commerce, les membres du groupe ont intégré Soro Yiriwaso et sont à leur 3ème cycle de prêt solidaire.
Madame KADIATOU, debout en troisième position de la gauche vers la droite, compte utiliser son prêt pour acheter, 7 pièces de pagne wax. Elle s’approvisionne sur place à Sikasso, auprès des grossistes et effectue ses ventes à domicile, à une clientèle composée d’hommes et de femmes. Elle compte réaliser avec ce prêt un bénéfice mensuel moyen de 20.000 FCFA qui sera utilisé, pour être réinvesti dans l’activité et prendre en charge certains besoins du foyer

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
  • 53
    View loans »
    Mali Loans Fundraising
  • $12,694,550
    Funds lent in using Kiva
  • 493.7
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Etoile Group's $625 loan helped a member to purchase Wax 'pagnes' (the colorful cloth of western Africa).
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 28, 2012
Jan 2, 2013
Currency Exchange Loss:
Jul 17, 2013