Sanata, the woman sat in the middle of the front row in the photo, is a member of the Djiguitougou Group. She sells everyday food items, such as onions, peanut paste and chilli. She plans on using this loan to purchase good quality products in large quantities, as and when she needs them, at the local market. She will then resell them to a mixed customer base. Whereas other members of the Djiguitougou Group are each planning to make an average profit of 130,000 FCFA over the course of this loan cycle, Sanata is planning on making 145,000 FCFA. In addition to paying back the loan, they will use part of the revenue to pay for their daily expenses and increase their working capital. They hope to further develop this partnership with Soro Yiriwaso so that their stock levels remain strong.
Ce groupe de femmes fait le commerce d’articles divers tels que, Condiments, Beignet et divers. Pour augmenter la taille de leurs activités, les membres ont décidé d’intégrer le programme crédit de Soro Yiriwaso. Elles sont à leur cinquième prêt de groupe.
Sanata est un membre du groupe Djiguitougou assise et au milieu, vendeuse de condiments (Oignon, pattes d’arachide, piment…). Elle compte utiliser son prêt pour acheter au fur et à mesure ces condiments au marché en quantité et en qualité qu’elle vend en détail à une clientèle diverse.
Tandis que les autres membres du groupe Djiguitougou comptent réaliser un bénéfice moyen de 130 000FCFA chacune au cours de ce cycle Mme Sanata compte réaliser 145 000FCFA.
En plus du remboursement des prêts, elles utilisent une partie du revenu pour faire face aux dépenses personnelles et augmenter son fonds de commerce.
Elles souhaitent voir renforcer ce partenariat avec Soro Yiriwaso pour que les stocks ne soient pas rares.
Important InformationSoro 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.
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