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Bineta is a 27-year old single woman living in a suburb in Senegal. She is the mother of a five-year child. Since 2001, she has been working as a cleaning woman in the branch of U-IMCEC in which she is a member. In addition, since 2008 she has been working as a vendor. Her reason for going into business is the need to improve her socioeconomic status. She has been a member since July 24 and already repaid nine prior loans. She is seeking a credit of 100,000 West African francs in order buy clothing and jewelry to resell ahead of the Tabaski holiday [the Muslim holiday also known as the Feast of Sacrifice]. This financing will allow her to increase her revenues, to support herself and, before all, to help her parents with their everyday expenses.
View original language description ↓
Bineta est une célibataire de 27 ans qui vit dans une des localités de la banlieue du Sénégal. Elle est mère d’un enfant de 5 ans. Elle exerce l ‘activité de femme de ménage depuis 2001 dans l’un des guichets de l’U-IMCEC ou elle est membre. Parallèlement elle évolue dans le commerce depuis 2008. La raison de son choix pour l’activité de commerce se justifie par le fait qu’elle éprouvait le besoin de combler ses besoins sociaux. Elle est sociétaire depuis juillet 2004 et a déjà remboursé 9 crédits antérieurs. Elle sollicite un crédit de 100 000 frs prévu pour l’achat de bijoux et d’habits à vendre pour les préparatifs de la fête de Tabaski. Ce financement lui permettra d’accroitre ses revenus, de subvenir a ses besoins et surtout d’ aider ses parents dans la gestion des dépenses quotidiennes.

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
  • 37
    View loans »
    Senegal Loans Fundraising
  • $14,558,450
    Funds lent in using Kiva
  • 483.4
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Bineta to buy clothing and jewelry for resale.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Sep 27, 2011
Sep 29, 2011
Currency Exchange Loss:
Nov 15, 2011