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Makarimal Akhlakh Groupe 2
In this Group: Henriette , Alioune B., El Hadji A. , Marema , Aminata, Awa, Alfred N.s., Astou , Khar, Khadiata
This borrowers’ group, named Gie Makarimal Akhlakh, was created on October 10, 2003 in Senegal. The term “Makarimal Akhlakh” denotes a person has a good heart and does the right thing. Since 2009, the number of group members has reached 300. The goal is to unify group members helping them with their work: farming, fishing, general retail, import/export, transportation, industry, crafts, construction, animal husbandry, mining, [fishing], arts and culture, printing and woodwork, public services, sales, processing seafood and produce, retailing spare parts, ice cream production, bakeries and providing various services. The GIE also aims to foster friendship and solidarity among its members so as to help them acquire the material and financial means necessary for their businesses and to take advantage of the benefits afforded by GIE. It is in this spirit that an agreement has been signed between GIE and UIMCEC, to benefit GIE members at the national level. The launching phase uses a sample of 120 active members divided into 12 groups with 10 people in each.

Makarimal Akhlakh-group 2 is composed of 10 GIE members who are in the same line of business. They are represented by Mrs. Henriette, who is the one raising the hand in the photo. She is married and has been working as a vendor for 20 years. She sells traditional colorful “pagnes” cloth and incense. The revenues brought in by her business allow her to contribute to everyday household expenses. She is a member of one of the UIMCEC branches and is seeking a credit to stock up large quantities of goods and grow her business. The growth of her revenue will allow her to improve her family’s nutrition and to save money for future projects. She would like to become a sales representative of the Wooding cloth brand in Senegal.
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Le groupement d’intérêt économique dénommé GIE MAKARIMAL AKHLAkH est né le 10 octobre 2003 au Sénégal. Le terme Makarimal Akhlakh symbolise une personne qui a un bon cœur, de bonnes pratiques. Le GIE a atteint le nombre de 300 adhérents depuis 2009. Son objectif est d’unir ses membres et de leur permettre d’exercer des activités de production agricole et halieutique, de commerce général d’import export et de transport, d’industrie, d’artisanat, de bâtiments , d’élevage, d’exploitation minière, de pêche, d’exploitation d’hydrocarbures, d’art et de culture, d’imprimerie et de menuiserie bois, de services et d’action d’utilité publique, de représentation, de transformation de produits halieutiques, d’agriculture , de vente de pièces détachées, de fabrique de glace , de boulangerie et de prestations de services divers. Le GIE vise aussi a consolider des liens d’amitié et de solidarité entre ses membres pour leur permettre d’acquérir des moyens matériels et financiers nécessaires au développement de leurs activités génératrices de revenus et de bénéficier de tous les avantages liés au GIE. Et c’est dans cette mouvance qu’un protocole d’accord a été signé entre le GIE et UIMCEC au bénéfice des membres du GIE au niveau national. La première phase a porté sur un échantillon de 120 membres actifs divisés en 12 groupes de 10.
Makarimal Akhlakh groupe 2 regroupe 10 membres du GIE Makarimal Akhlakh qui habitent le meme quartier. Ils sont représentés par madame Henriette qui a levé la main sur la photo de groupe. Elle est mariée et évolue depuis 20 ans dans le secteur du commerce. Elle pratique la vente de pagnes et d’encens. Les revenus que lui procure son activité lui permettent de participer à la dépense quotidienne. Elle est membre d’un des guichets de l’U-IMCEC et sollicite un crédit dans le but de se procurer les produits qu’elle commercialise en plus grande quantité et développer davantage son activité. L’accroissement de ses bénéfices lui permettra d’améliorer les conditions alimentaires de sa famille et d’épargner de l’argent pour ses projets futurs. Son souhait est de pouvoir représenter la marque wooding au Sénégal.

Additional Information

About UIMCEC

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

  • $1,759
    Average annual income
  • 38
    View loans »
    Senegal Loans Fundraising
  • $13,041,875
    Funds lent in using Kiva
  • 522.4
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Makarimal Akhlakh Groupe 2's $5,750 loan helped a member aCHAT DE PAGNES ET D ENCENS A REVENDRE.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 13, 2012
Listed
Aug 30, 2012
Currency Exchange Loss:
Possible
Ended:
Jul 17, 2013