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Fatou had already started a business prior to joining her marital home twelve years ago. At that time, she sold various sundries. After divorcing, she returned to her hometown where she has remarried and restarted a business selling breakfast in front of her home, which she has been doing for less than a year. She works from 7:30 am to 12:00 pm.

Fatou is a regular client, and has already received and benefitted from five loans through IMCEC. She wants to renew her loan so that she can improve her place of business by purchasing cups, glasses, plates...

Fatou has three children, the eldest of whom is eleven years old. Fatou helps with the management of household expenses by selling breakfasts. Fatou has a project where she would like to open a shop and sell various items, including clothing and dishes.
View original language description ↓
Fatou avait déjà entamé une activité commerciale avant d’aller rejoindre son domicile conjugal il y a 12 ans de cela. En ce moment, elle vendait des divers. Divorcée, elle est rentrée dans sa région natale où elle s’est remariée et a redémarré il y a moins d’un an, une activité qu’est la vente de petit déjeuner devant chez elle. Elle travaille de 7h 30mn à 12h.
Fatou est une cliente régulière et a déjà eu à bénéficier de cinq crédits au sein de l’IMCEC. Elle veut renouveler pour aménager un peu le lieu de l’activité, acheter des tasses, des verres, des plats…
Fatou a 3 enfants dont le plus âgé a 11 ans. Fatou donne sa participation à la gestion de la maison en donnant le petit déjeuner.
Fatou a un projet, celui d’ouvrir une boutique de vente de divers (habillement, vaisselles).

Additional Information

More information about this loan

To reach 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. Most members of these organizations take group loans from UIMCEC. Some group members have larger businesses requiring more capital, and therefore receive individual loans. To meet their needs, UIMCEC is offering this loan at a lower interest rate with no material guarantee requirement. 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.

About Senegal

  • $2,300
    Average annual income
  • 41
    View loans »
    Senegal Loans Fundraising
  • $14,234,875
    Funds lent in using Kiva
  • 480.0
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A loan of $125 helped Fatou to purchase vegetables (onions, peppers, chilies), for sauces called "condiments," and to improve her place of business by purchasing cups, glasses, plates...
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Nov 28, 2013
Dec 9, 2013
Currency Exchange Loss:
Feb 17, 2014