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Sad 3 Group
In this Group: Arona , Yaram Fall, Fatou Diop, Ndeye Aminata , Yacine , Fatou , Ablaye , Ndiawar , Ibrahima , Ndeye
The EIG [Economic Interest Group] SAD 3 is made of 10 people who live in the same village and for the most part practice the same activity. Its president is named Arona and one can identify him on the photo by his raised hand.

He is married and a father and he works in market-gardening agriculture. He just needs this loan to purchase inputs and seeds to develop his market gardening. He provides for the family’s daily expenses. He has 15 years of experience, and begins his day at 6 am to finish at 7 pm. In the future he would like to modernize its agricultural area to provide his customers with quality vegetables.
View original language description ↓
Le GIE SAD 3 est composé de 10personnes qui habitent dans le même village et faisant pour la plus part la même activité. Son président s’appelle Arona et on le reconnait sur la photo par la main levée. Il est marié et père de famille et évolue dans l’agriculture de maraichage. Il a juste besoin du crédit pour acheter des intrants et semences pour développer son maraichage. Il prend en charge les dépenses quotidiennes de sa famille. Il a une expérience de 15ans et commence sa journée à 6h pour la finir à 19h. A l’avenir il voudrait moderniser son périmètre agricole pour fournir des légumes de qualité à ses clients.

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.

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
  • 47
    View loans »
    Senegal Loans Fundraising
  • $14,564,375
    Funds lent in using Kiva
  • 476.9
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Sad 3 Group's $2,100 loan helped a member to buy inputs and seeds to practice market gardening.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
At end of term
Dec 2, 2013
Dec 11, 2013
Currency Exchange Loss:
Apr 18, 2015