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Ms. Amina D. has been a member of the Camberene bank of U-IMCEC since January, 2001.  She has already benefited from a loan, which she repaid properly.  She is married and the mother of four children.  For quite awhile, she has been advancing in commerce and has specialized in selling cloth and a variety of goods.  She is an ambitious woman who wants to earn her living to have her own personal income.  Her business is one that she chose out of love.  She's requesting a loan of 150,000 francs to buy some cloth and especially  thioubs (damask fabrics) with the goal of diversifying her goods. 

"The loan is allowing me to increase my operating fund and to replenish my merchandise continually because my customers buy on credit." 

Ms. D. is a beneficiary of the agreement between U-IMCEC and the Programme de développement de l'infant et de la famille(PDEF) Seydina Issa Laye. The PDEF (a development program for children and families) seeks to reduce poverty within the community and especially to protect children who come from destitute families. Thanks to this cooperation, the parents of these children can take advantage of loans having more flexible terms compared to ordinary loans. Since the agreement’s start in December 2008, there have been 120 parents who received financing in amounts varying from 50,000 to 150,000 francs.
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Madame Amina D. est membre de la caisse de Camberene de l’U-IMCEC depuis janvier 2001.
Elle a déjà bénéficié d’un prêt qu’elle a rembourse correctement. Elle est mariée et mère de 4 enfants .Elle a longtemps évolue dans le commerce et spécialisée dans la vente de tissus et d’articles divers .C’est une femme ambitieuse qui veut gagner sa vie pour se procurer des revenus personnels. C’est une activité qu’elle a choisi par amour. Elle sollicite un crédit de 150 000 frs pour acheter des tissus et surtout des thioubs dans le but de diversifier ses produits. Le crédit me permet d’accroître mon fond de roulement et de renouveler continuellement mes marchandises car mes clients achètent à crédit.

Madame D. est une bénéficiaire du protocole entre U-IMCEC et le Programme de Développement de l'Enfant et de la Famille (PDEF) Seydina Issa Laye. Le PDEF cherche à réduire la pauvreté au sein de la communauté et surtout à protéger les enfants issus des familles démunies. Grâce a cette coopération, les parentes de ces derniers peuvent profiter de crédit à des conditions plus souples par rapport aux crédits ordinaires. Depuis le démarrage du protocole en Décembre 2008, 120 parents ont reçu un financement pour des montants qui varient entre 50.000 et 150.000 frs

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.

About Senegal

  • $1,759
    Average annual income
  • 11
    View loans »
    Senegal Loans Fundraising
  • $12,847,250
    Funds lent in using Kiva
  • 457.5
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Amina increasing her working capital.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 25, 2009
Dec 24, 2009
Currency Exchange Loss:
Jun 15, 2010