I just made another micro loan in Kiva.org to a Co-Op of women in Senegal - Pay It Forward
The solidarity group Yeggo was created at the same time as the Banc Villageois.
It is made up of 15 women who all come from the same village and the same group.
To show their affinity, they have given the group the name “agreement” because of their good relationships.
Madame Anthia, the leader of this group who is standing to the right in the photo, is 43 years old, married and a mother.
She is the mother of three children but does not have any of them in her care. She has been a member of the Banc Villageois since it was created.
She is a retail merchant who sells various products.
With her new loan she will buy four sacks of millet, three sacks of peanuts, two sacks of corn and two packs of soap.
Her profits will allow her to contribute to meeting the family’s needs by buying rice, oil, clothing, medicine, etc.
In a group loan, each member of the group receives an individual loan, but is part of a group of individuals. The group is there to provide support to the members and provides a system of peer pressure in repayments of loans. However, groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, the members of the group are responsible for paying back the loans of their fellow group member if someone is delinquent or defaults.
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