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Benkadi Group
In this Group: Mariama , Awa , Djènèba , Mariama , Mamou , Kaltoumou
The six members of the Benkadi group are married women who live for the most part in polygamous families in the village of Togo, region of Segou (4th administrative region of Mali). They average 32 years of age and four children each. They know one another as neighbors and through ties of marriage and kinship. They work in small trade selling Soumbala (a condiment), cereals and firewood.

To bolster their working capital, the group members joined the Soro Yiriwaso microfinance institution. This is their 11th group loan cycle.

Mrs. Mariama (standing at the far left in the photo) enjoys a great reputation as a seller of high-quality Soumbala in the village and at the market of Médine in Segou. She will use her loan to buy 400 kg of néré nuts. She buys her stock from Konobougou stall-holders at the big market of Ségou.

Soumbala is made by soaking the néré nuts in water for at least two days. The nuts are rinsed with plain water and drained, then ground with a mortar and rinsed again with plain water. The ground nuts are placed in plastic bags with a small amount of potash for at least three days to ferment. The resulting mixture is the condiment Soumbala, a popular addition to all kinds of sauces.

Mrs. Mariama sells her product cash and on credit from her home and door-to-door around the districts of Ségou to a clientèle consisting mainly of women. She expects to earn an average monthly profit of 25,000 FCFA, which she will use to provide for the children in her household and to invest in her activity.
Mariées majoritairement dans les familles polygames, les six femmes du groupe Benkadi ont en moyenne 32 ans et 4 enfants. Elles habitent toutes dans le village de Togo dans la région de Ségou (4ème Région administrative du Mali) et se sont connues à travers des liens de voisinage, de parenté et de mariage. Elles font le petit commerce de condiment « Soumbala », de céréales et du bois de chauffe. Dans le but d’augmenter leurs fonds de commerce, les membres du groupe ont décidé de collaborer avec Soro Yiriwaso et sont à leur 11ème cycle de prêt solidaire.
Madame Mariama (femme debout à l’extrême gauche sur la photo) a une grande renommée dans la vente du condiment « Soumbala » de qualité dans le village et au marché Médine de Ségou. Elle compte utiliser son prêt pour acheter 400kg d’amandes de Néré. Elle se ravitaille en noix de Néré avec les forains de Konobougou au grand marché de Ségou.
Pour préparer le Soumbala, on l’imbibe dans l’eau pendant 2 jours au moins puis on le rince avec de l’eau propre avant de l’étuver. On le broye dans le mortier avant de le laver proprement avec de l’eau simple. Les amandes ainsi broyés seront renfermées dans des sacs plastiques avec un peu de potasse pendant 3 jours au moins pour fermentation. Ce mélange obtenu est le condiment Soumbala très appétissant dans toutes les sauces.
La revente se fait au comptant et à crédit à domicile et dans les quartiers de Ségou en ambulant à une clientèle composée majoritairement de femmes. Madame Mariama espère réaliser un bénéfice mensuel moyen de 25 000 FCFA avec ce prêt, qui sera utilisé, pour être réinvesti dans l’activité et assurer l’entretien des enfants 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
  • 29
    View loans »
    Mali Loans Fundraising
  • $11,918,625
    Funds lent in using Kiva
  • 503.2
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD