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Makarimal Akhlakh Gpe 44 Group
In this Group: Mareme , Aissatou , Ngouye, Khady, Fatou, Oumoul Khayri, Khady, Amsatou, Siga, Ndeye Lobé
Makarimal Akhlakh is an Economic Interest Group that was established in 2003. It currently brings together more than 3,000 members, largely women and men located in various regions of Senegal. The goal of this EIG is to allow its members to carry out agricultural and piscatorial production businesses, general import-export trade, transportation, manufacturing, handicrafts, construction, the raising of livestock, mining, fishing transport, the exploitation of hydrocarbons, art, culture, printing, carpentry services, public interest projects, representation, the processing of fishery products, farming, the sale of spare parts, ice-making, baking, and the delivery of services. The group is represented nationally by Mrs. Ramatoulaye, who signed a memorandum of understanding with UIMCEC as part of the financing of the group's members, which will allow them to acquire the material and financial means necessary to grow their businesses.

Makarimal Akhlakh Gpe 44 Group is a sub-lending group of the EIG, made up of 10 women represented by Mareme (the lady with her hand raised in the photo). They live in the same area and are all advancing in the same business sector.

Mareme is a married woman who has been working in trade for more than 30 years, selling fabric and other various goods. She also devotes herself to fashion. The profits her businesses provide allow her to contribute to the management of daily expenses at home, in support of her husband. She begins work at 8am every day and finishes at 4pm.

Mareme is a member of a local branch of UIMCEC, where she is seeking a loan with the goal of increasing her working capital in order to better grow her business in trade. She wishes to purchase foodstuffs (potatoes, onions, and dried fish, which will be sold). Her aim is to increase her profits in order to better support her family, but [also] to save more money so that in the future she can acquire large shops for the sale of fabric.
View original language description ↓
Makarimal Akhlakh est un groupement d’intérêt économique qui est née depuis 2003.Il regroupe actuellement plus de 3000 membres composés dans sa majorité de femmes et d’hommes localisées dans les différentes régions du Sénégal. La création de ce GIE a pour objet de permettre a ses membres d’exercer des activités de production agricoles et halieutiques, de commerce général import export, de transport, d’industrie, d’artisanat, de bâtiment, d’élevage, d’exploitation minière, de transport pèche, d’exploitation des hydrocarbures, d’art, de culture, d’imprimerie, de services de menuiserie bois, d’actions 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 prestation de service. Il est représenté au niveau national par madame Ramatoulaye qui a signé un protocole d’accord avec UIMCEC dans le cadre de financement de ses membres ce qui leur permettrait d’acquérir des moyens matériels et financiers nécessaires au développement de leurs activités. Par conséquent Makarimal Akhlakh groupe 44 est un sous groupe de crédit du GIE qui est composé de 10 femmes représentées par la dame Mareme (celle qui a la main levée sur la photo). Elles habitent la même localité et évolue toutes dans le même secteur d’activité. Mareme est une femme mariée qui s’active depuis plus de 30 ans dans le secteur du commerce, elle exerce la vente de tissus et d’autres produits divers. En même temps aussi elle s’adonne a la couture. Les revenus que lui procurent ses activités lui permettent de participer a la gestion de la dépense quotidienne au sein de son foyer, ceci dans le but de soutenir son mari. Elle démarre chaque jour ses activités à 8heures du matin pour la terminer a 16 heures l’après midi. Elle est membre de l’un des guichets de l’UIMCEC ou elle sollicite un crédit dans le but de renforcer son fond de roulement pour mieux développer son activité de commerce. Elle souhaite acheter des denrées alimentaires (pommes de terre, oignons et poissons séchés qui seront destinés a la vente. Son objectif est d’accroitre les bénéfices qu’elle réalise afin de mieux soutenir sa famille, mais d’épargner davantage d’argent afin de parvenir dans le futur a acquérir de grands magasins de vente de tissus. -Makarimal

Additional Information

More information about this loan

To reach women borrowers who would not normally qualify for loans, UIMCEC has developed partnerships with a number of local organizations created by the poor to promote savings and mutual support. Previously, UIMCEC was unable to serve these borrowers because they could not provide a guarantee or afford to pay standard interest rates. By supporting this loan, you are helping poor borrowers access credit at  lower interest rates.


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
  • 9
    View loans »
    Senegal Loans Fundraising
  • $13,155,075
    Funds lent in using Kiva
  • 489.9
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD
A portion of Makarimal Akhlakh Gpe 44 Group's $5,125 loan helped a member to purchase foodstuffs to sell.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 8, 2013
Aug 30, 2013
Currency Exchange Loss:
Sep 29, 2013