Kiva conducts regular, ongoing monitoring of all Field Partners, but only posts status updates here in response to relevant, major changes at the partner.

Partner Description:

The Union of Mutualist Institutions of Savings and Credit (UIMCEC), a partner of ChildFund International, is a federation of four licensed microfinance institutions based in Dakar, Mbour, Thiès and Ziguinchor with over 40 service points serving most of Senegal’s administrative regions, including many rural areas.

UIMCEC’s mission is to improve the income and well-being of families by providing access to well-designed financial services allowing for the development of income-generatiing activities, principally for young microentrepreneurs living in rural and periurban areas.

UIMCEC’s vision is to become a large, mature institution offering a wide variety of well-designed products and services that positively impact its members, staff and communities served, while working toward its own financial automomy. As a member-owned institution, UIMCEC aims to favor collaboration and cooperation between members.

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Management and Governance Structure:

UIMCEC has a Board of Directors in each of the four regions its serves and a national Board of Directors with elected representation from each region board. In addition to the Board of Directors, UIMCEC also has an elected Credit Committee and Internal-Control Committee in each region.


Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Feb 8, 2008 Oct 12, 2005
Total Loans $3,431,925 $976,103,925
Amount of raised Inactive loans $0 $351,050
Number of raised Inactive loans 0 178
Amount of Paying Back Loans $100,550 $148,418,800
Number of Paying Back Loans 147 185,484
Amount of Ended Loans $3,331,375 $827,334,075
Number of Ended Loans 5,163 1,040,066
Delinquency Rate 0.11% 8.09%
Amount in Arrears $92 $7,850,807
Outstanding Portfolio $84,490 $97,066,430
Number of Loans Delinquent 7 19,644
Default Rate 0.80% 1.39%
Amount of Ended Loans Defaulted $26,782 $11,517,921
Number of Ended Loans Defaulted 78 33,035
Currency Exchange Loss Rate 0.63% 0.45%
Amount of Currency Exchange Loss $21,556 $4,428,501
Refund Rate 1.08% 0.61%
Amount of Refunded Loans $37,075 $5,970,900
Number of Refunded Loans 56 5,987

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 59.57% 75.40%
Average Loan Size $361 $399
Average Individual Loan Size $509 $629
Average Group Loan Size $1,382 $1,760
Average number of borrowers per group 6 7.7
Average GDP per capita (PPP) in local country $2,300 $5,874
Average Loan Size / GDP per capita (PPP) 15.70% 6.79%
Average Time to Fund a Loan 6.99 days 6.9 days
Average Dollars Raised Per Day Per Loan $51.67 $57.76
  Average Loan Term 11.5 months 11.13 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 579 509,956
  Journaling Rate 10.80% 41.50%
  Average Number of Comments Per Journal 0.04 0.05
  Average Number of Recommendations Per Journal 0.61 1.16

Borrowing Cost Comparison (based on 2014 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 19% PY 23.00% PY 26.13% PY
  Profitability (return on assets) -1% -0.1% -1.27%
  Average Loan Size (% of per capita income) 79.10% 46.00% 16.60%

Country Fast Facts

Field Partner Staff

Sina Aidara
Albertine BABOCK
Albertine Babock
Fansou Badji
Momo Bangoura
Abdalahi Camara
Lamine Dia
Penda Diallo
El Hadj Moussa Diao
Gana Diop
yacine diop
Abdou Faye
Woly Faye
Mor Khoule
Aloise Aly Ndiaye
birame ndiaye
Salamba Ndoye
Marie Héléne K Ngom
Seckou Sané
Ousmane Thiongane