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Book Yakar Ndiol Group
In this Group: Sokhna , Aïcha , Faotu Teuw , Adja , Sya , Fafaye , Barkatou , Aissata , Souadou , Anna
The AND BOOK YAKAR NDIOL group is a female group made up of 10 people. They live in the same village and are in the same business, which is agriculture. They meet each time out of necessity and organize tontines (financial arrangements in which subscribers share a common fund with the benefit of survivorship). The woman with her hand raised in the photo is their president. Her name is Sokhna. She is 38 years old and a mother. She seeks this amount to buy grains and resources to practice truck farming. It’s a business she’s been in for more than 5 years. She has no particular expenses aside from her own personal needs. She starts her day at 7am and finishes at 1pm, then goes home to prepare the day’s meal. She hopes the loan will allow her to make use of other surfaces in order to augment her earnings and improve the living conditions of her children.
View original language description ↓
Le groupement AND BOOK YAKAR NDIOL est un groupement de promotion féminin qui est composé de 10 personnes. Elles habitent dans le même village et pratiquent la même activité qui est l’agriculture. Elles se réunissent à chaque fois de besoin et organisent des tontines. La femme qui a levé la main sur la photo est leur présidente, elle s’appelle Sokhna. Elle est âgée de 38 ans et mère de famille. Elle sollicite ce montant pour acheter des semences et intrants pour pratiquer le maraichage. C’est une activité qu’elle a pratiqué depuis plus de 5ans. Elle n’a pas de charges particulières a part ses propres besoins. Elle commence sa journée à7h pour la terminer à 13h et venir à la maison pour préparer le repas de la journée. Elle souhaite grâce aux crédits être en mesure d’exploiter d’autres surfaces afin de pouvoir augmenter ses revenus et améliorer les conditions de vie de ses enfants.

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
  • 92
    View loans »
    Senegal Loans Fundraising
  • $13,835,375
    Funds lent in using Kiva
  • 475.7
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A portion of Book Yakar Ndiol Group's $2,125 loan helped a member to buy grains and resources to practice truck farming.
91% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
At end of term
Apr 11, 2014
Apr 21, 2014
Currency Exchange Loss:
May 17, 2015