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Apec Al Ouma Groupe 1
In this Group: Ndiapaly, Khardiata, Calmy, Magatte G, Oureye, Khady, Adama, Ndeye, Ndethiou, Aissata
Apec Al Ouma Groupe 1, a subgroup of the association Apec Al Ouma, is comprised of 10 women who live in the same Senegalese village community. They are involved in a variety of different businesses. They have already repaid a previous loan.

They are represented by Ndiapaly (whose hand is raised in the photo). She has been in business for 20 years selling fish and other food products in the area where she lives.

Her business brings in profits that allow her to take care of her family's living expenses. She starts work each day at 6 am and returns home at 5 pm.

She is requesting this loan in order to increase her working capital so she can procure fish and other food products that she needs for her business. She hopes to become a major importer of the products she sells.
View original language description ↓
APEC AL OUMA GROUPE 1 est un sous groupe de 10 femmes qui habitent le meme village dans une des localités sénégalaises et adhèrent aussi dans la meme association (APEC AL OUMA). Elles exercent des activités séparées et diversifiées de commerce. Elles ont déjà remboursé un crédit antérieur. Elles sont représentées par madame Ndiapaly(celle qui a la main levée sur la photo). Elle s’active depuis 20 ans dans le secteur du commerce et pratique la vente de poissons et d’autres produits alimentaires divers dans la localité ou elle habite. Son activité lui génère des revenus qui lui permettent de prendre en charge la dépense quotidienne de sa famille. Elle commence chaque jour ses activités a 6 heures du matin pour rentrer chez elle a 17 heures dans l’après midi. Elle sollicite un crédit destiné a augmenter son fond de roulement afin de se procurer du poisson et des produits alimentaires pour les besoins de son commerce. Elle ambitionne d’être une grande commerçante importatrice de produits qu’elle commercialise.

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
  • 92
    View loans »
    Senegal Loans Fundraising
  • $13,894,400
    Funds lent in using Kiva
  • 510.0
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Apec Al Ouma Groupe 1's $5,500 loan helped a member to buy fish and other food products for resale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 14, 2012
Sep 15, 2012
Currency Exchange Loss:
Sep 17, 2013