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Djidja (Courage) Group
In this Group: Mariam, Sali Ousmane, Mariam, Ami, Flomene, Kadia
The five women of the Djidia group are 38 years old on average, have on average 3 children, and live in general in traditional extended families with their husbands, co-spouses, brothers and sisters and children in the village of Farakala, Sous-Prefecture of Nièna, Sikasso region (Republic of Mali).

For the most part, they sell cloth and various other articles (bread, powdered milk, sugar, etc.). They met each other because of links of neighborhood and family ties. The members of the Djidia group are on their ninth loan with the micro-finance institution Soro Yiriwaso; all the preceding loans have been correctly repaid.

With this loan, they intend to buy 4 lengths of cloth (for men and women), 25 kg of sugar,5 kg of powdered milk, and 10 loaves of bread. They buy items generally sold in stores such as sugar and milk from itinerant salespeople who come from Bamako (capital of the Republic of Mali) to the weekly markets and as for cloth, they purchase it in Sikasso from wholesalers of the big open-air market. These products are re-sold where they live in the village and in the weekly markets of surrounding villages, retail and for cash, generally to a clientele constituted of all the social ranks of the area.

They hope to make a profit of 25,000 FCFA which will be used to help their husbands with family expenses, re-investing any remainder into their businesses.

View original language description ↓
Les cinq ( 5 ) femmes du groupe Djidia ont une moyenne d’âge de 38 ans, 3 enfants et vivent en générale dans des familles traditionnelles élargies avec leurs maris, coépouses, frères et soeurs et enfants dans le village de Farakala sous préfecture de Nièna région de sikasso ( République du Mali).
Elles ont une activité économique qui tourne essentiellement autour du commerce de tissus et divers articles (pains, lait en poudre, sucre etc.). Elles se sont connues par des liens de voisinage et de parenté. Les membres du groupe Djidia sont à leur neuvième prêt avec l’Institution de microfinance Soro Yiriwaso et tous les précédents ont été correctement remboursés
Avec ce prêt, elles comptent achèter, 4 pièces de tissus (pour homme et pour femmes), 25 kg de sucre, 5 kg de lait en poudre, 10 miches de pains. Elles s’approvisionnent en articles de boutique tel le sucre et le lait auprès des forains venant de Bamako (capitale de la république du Mali) et quant aux tissus à Sikasso auprès de grossistes du grand marché. Ces produits sont revendus sur place au village et dans les marchés hebdomadaires des villages environnants en détail et au comptant généralement à une clientèle constituée de toutes les catégories sociales de la localité.
Elles espèrent réaliser un bénéfice de 25.000FCFA qui sera utilisé pour aider les maris dans les dépenses de la famille et injecter le reste dans les 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
  • 29
    View loans »
    Mali Loans Fundraising
  • $12,500,175
    Funds lent in using Kiva
  • 465.4
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Djidja (Courage) Group's $1,300 loan helped a member purchase of cloth and various items for re-sale.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 16, 2008
Oct 1, 2008
Currency Exchange Loss:
May 15, 2009