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Afde N° 13 Group
In this Group: Aissatou Fatim, Rockhayatou, Aissatou, Aminata, Khady
The group "Association Femme Développement Entreprise Numéro 13" is composed of five women, age 25 to 64. They live in large extended traditional families in Thiès, a city located 70 kilometers from Dakar, the capital of Senegal. They got acquainted through bonds of neighborhood and kinship. They run very similar businesses, selling food products such as juice, ice cream, and fruits. The group is well experienced and very much sought-after in their businesses. In the course of improving the quality of their service and expanding their businesses, the group members decided to join Kiva's partner, the microfinance organization IMCEC. They already benefited from one group loan from IMCEC, and they repaid it without problems. They intend to use this loan to rebuild their food products stock, in order to better serve their customers. The products are retailed, for cash, at the grand market in Thiès. During this loan cycle, they hope to turn an average profit of XOF 40'000 (ca US$ 80), to be used to repay the loan and to provide for their families. The remainder will be invested in their businesses.
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Numero 13
Le groupe Association Femme Développement Entreprise Numéro 13 est constitué de cinq femmes, dont la plus jeune a 25 ans et la plus âgée a 64 ans. Elles vivent dans des grandes familles traditionnelles élargies à Thiès, une ville de 70 kilomètres de Dakar, la capital de Sénégal. Elles se sont connues à travers des liens de voisinage et de parenté. Elles exercent presque la même activité de vente de produits alimentaire comme du jus, de la glace, et des fruits. Elles sont bien expérimentées et très sollicitées dans ces activités. Dans le cadre de l’amélioration de la qualité de leurs services et l’agrandissement de la taille de leurs activités, les membres du groupe ont décidé d’intégrer l’institution de microfinance l’IMCEC. Elles ont déjà reçu un prêt de groupement auprès de l’IMCEC, et elles l’ont bien remboursé. Elles comptent utiliser ce prêt pour reconstituer leur stock de marchandises pour mieux servir leurs clients. Les marchandises du groupe sont vendues en détail, au comptant au marché grand Thiès. Elles espèrent réaliser un bénéfice moyen de 40,000CFA ($80) au cours de ce cycle qui sera utilisé pour rembourser les intérêts du prêt, subvenir au besoin de la famille et investir le reste dans les activités.

Additional Information


This loan is administered by UIMCEC, a Kiva Field Partner in Senegal since 2008. UIMCEC is a government-regulated microfinance institution whose mission is to improve the revenue and well-being of families through access to financial services, allowing principally women and young adult micro-entrepreneurs living in rural and semi-rural areas to develop their revenue-generating businesses and supporting them in becoming financially self-sufficient.

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 Senegal

  • $2,300
    Average annual income
  • 44
    View loans »
    Senegal Loans Fundraising
  • $14,549,700
    Funds lent in using Kiva
  • 503.7
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Afde N° 13 Group's $1,000 loan helped a member to buy and resell juice, ice cream, and fruits.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Apr 10, 2009
Apr 29, 2009
Currency Exchange Loss:
Jan 15, 2010