Djiguène Bakhna 63 grops together 5 women who are neighbours - they all live in the same village. Khardiata, the leader, has been selling vegetables for over 10 years. She is married and a mother (she is the one carrying her child on her knees in the picture). She is a courageous woman who thinks only of her household and their daily needs. Her husband gives 2000 francs towards the expenses, she gives around half and sometimes doesn't even expect to be able to give that much. She works from 8 o'clock in the morning to 8 o'clock at night. She is managing to develop her business as she has a loyal clientèle, as well as benefiting from the support of UIMCEC, which she has been working with for 3 years already.
Djiguène Bakhna 63 regroupe aussi cinq femmes qui se sont unis par voisinage : elles logent toute dans le même village. Khardiata, la présidente fait de la vente de légumes depuis plus de 10 ans. Elle est mariée et mère de famille (c’est elle qui porte l’enfant sur ses genoux). C’est une brave femme qui ne pense qu’à son foyer et à leurs besoins au quotidien. Si son mari donne 2000f pour la dépense, elle donne la moitié dès fois elle n’attend même pas ce dernier. Elle travaille de 8h à 20h du soir.
Possédant une fidèle clientèle elle réussi à développer son activité mais aussi grâce à l’appui de l’IMCEC avec qui elle travaille depuis 3 ans déjà.
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.