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Mbayang is a married woman and the mother of four children. She is on her second request for a loan at her micro-finance institution. She is 39 years old and active in selling millet, peanut oil, peanuts, and more. She has a machine with which she processes peanuts into oil and meal.

At first, her neighbors provided a variety of merchandise that she sold at the market. Given that this business constituted a steady revenue source for her, she joined the micro-finance institution in order to have better financing for her business. Mbayang wants an amount of 100,000 francs CFA to buy oil, millet, and peanuts.

Mbayang recalls that, with her first loan, she necessarily encountered problem with poor sales, which earned her less for repaying the loan. But with God's help, she was able to keep all her obligations with regard to IMCEC, her micro-finance institution.
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Mbayang est une femme mariée et mère de 4 enfants. Elle est à sa deuxième demande de crédit dans son IMF. Agée de 39 ans, Mbayang s'active dans la vente du mil, de l'huile d'aarachide, des arachides et autres. Elle a une machine avec laquelle elle transforme l'arachide en huile et tourtaux. Au commencement c'était ses voisines qui la fournissaient diverses marchandises qu'elle vendait au marché. Vu que le commerce constituait pour elle une source de revenus sûr, elle a commencé à adhérer dans l'IMF afin de mieux avoir de financement pour son commerce. Elle veut un montant de 100 000 FCFA pour acheter de l'huile, du mil et des arachides. Elle nous rappelle qu'avec son premier crédit, elle a du rencontré des problèmes de mévente qui lui ont valu du retard dans le remboursement mais avec l'aide de Dieu, elle a du respecté tout ses engagements vis à vis de l'IMCEC son IMF.

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

  • $2,300
    Average annual income
  • 39
    View loans »
    Senegal Loans Fundraising
  • $14,279,750
    Funds lent in using Kiva
  • 453.3
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD