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Racky's Group
In this Group: Racky, Ramatoulaye, Mariama, Kadiatou, Nene Galle
This group was created on May 16, 2011, during the inauguration of their 'banc villageois'. The group is composed of women who all live in the same village. The relations among the group members are characterized by solidarity and mutual assistance. The group members are starting to understand the program better and are very active in small-scale commerce at the village's weekly market.

Ms. Racky (standing first from the left in the photo) is the featured borrower. She is a married mother of two children, a boy and a girl, and she is 28 years old. She sells cosmetic products and clothing accessories (bracelets, earrings), and she also sells honey, which she purchases from producers.

With her new loan, she is going to purchase packets of deodorants that she resells at 1,500 francs CFA each. With the profits, she plans on bolstering her savings in order to received a bigger loan in future loan cycles, as well as improving her family's living conditions.
View original language description ↓
Le groupe est créé le 16 mai 2011 lors de l’inauguration leur banc villageois. Il compte femmes qui habitent toutes le même village, solidarité et entre aide caractérisent les relations entre membre du groupe. Elles commencent à mieux comprendre le programme et sont très actives dans le petit commerce au niveau du marché hebdomadaire du village.

Madame Racky (debout en première position de la gauche vers la droite) est l’emprunteuse vedette. Mariée et mère de deux enfants un garçon et une fille, elle est âgée de 28 ans. Elle est vendeuse de produits cosmétiques et accessoires vestimentaires (bracelets, boucles d’oreille), elle est aussi revendeuse de miel qu’elle achète auprès des producteurs.
Avec son nouveau prêt, elle va acheter des paquets de déodorants qu’elle revendra à 1 500 FCFA l’unité.

Avec les bénéfices, elle compté renforcer son épargne pour recevoir durant les cycles à venir un crédit plus important et ainsi améliorer les conditions de vie de sa famille.

Additional Information

More information about this loan

This loan is going to a borrower or borrower group living in a rural area.

About CAURIE Micro Finance

The mission of CAURIE Micro Finance is to contribute sustainably and to offer microfinance services adapted to impoverished micro-entrepreneurs, primarily women, based on the principles of ‘credit for the poor’ and on microfinance best practices, all while investing in order to become financially independent.

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
  • 35
    View loans »
    Senegal Loans Fundraising
  • $14,085,275
    Funds lent in using Kiva
  • 503.7
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD
A portion of Racky's Group's $3,000 loan helped a member to purchase packets of deodorants to resell.
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jun 13, 2013
Jul 2, 2013
Currency Exchange Loss:
Aug 1, 2013