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Mrs. Marème owns a refrigerator that she's been using for her business for the past ten years. She sells cold water and iced juice. Only four months ago, she replaced her grandmother (who's getting old and cannot sell anymore) who used to sell various products such as incense, shea butter, calabashes, etc, in her small shop at the central market.

It is in fact to strengthen this shop that Mrs. Marème is seeking this loan. She opens her shop from 10 a.m. to 7 p.m., and her daily turnover reaches at least XOF 1'500.

She also wants to buy a freezer and increase her juice production capacity. She also dreams to have her own house.
View original language description ↓
Madame Marème, possède un réfrigérateur avec lequel elle travaille depuis 10 ans en vendant de l’eau fraiche et du jus glacé. Elle a aussi remplacé il y a seulement 4 mois, sa grand-mère (qui a pris de l’âge et qui ne vend plus) dans sa cantine dans le marché central et qui vendait des divers comme de l’encens, du beurre de karité, des calebasses… C’est d’ailleurs pour renforcer la cantine, qu’elle sollicite ce crédit. Là bas, elle ouvre de 10h à 19h et peut avoir au minimum une recette journalière de 1500F. Elle veut acheter un congélateur et augmenter sa capacité de production de jus. Marème rêve aussi d’avoir sa propre maison.

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
  • 92
    View loans »
    Senegal Loans Fundraising
  • $13,891,275
    Funds lent in using Kiva
  • 471.8
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD