Each morning Alphonce wakes up at 6 a.m. to start his day, and he returns home at around 7 or 8 p.m. He works with those who own and farm their own fields and buys his products directly from them.
Alphonce has a stall in the market and resells his products to small-scale merchants who work in resale. During the years, he has been able to take care of his family thanks to the earnings from this work. He manages the daily expenses, but sometimes he [also] receives support from his grand children who are getting by.
Alphonce wishes to have more consistent funds so that he can buy the quantities he needs and become self-sufficient.
Monsieur Alphonce a arrêté ses études en 1974 pour se lancer dans le commerce de fruits de la période (mangue, pomme de liane, pastèques, orange...). Il a d’abord travaillé pendant deux ans dans le champ d’un tiers qui le rémunérait. Au début de la troisième année, il a démarré en achetant des mangues pour revendre. Au fil des années, il a développé son commerce et diversifié les produits. Chaque matin, il se lève à 6h du matin et commence sa journée ; et vers 19h-20h, il rentre chez lui. Alphonce travaille avec ceux qui possèdent des champs et qui cultivent, il achète directement la marchandise chez eux ; il a un étalage dans le marché et revend aux petits commerçants qui vont revendre. Depuis des années, il a entretenu sa famille grâce aux revenus de cette activité. Il gère la dépense quotidienne, mais dès fois, il reçoit l’appui de ses grands enfants qui se débrouillent.
Alphonse souhaite avoir un fond plus consistant pour pouvoir acheter la quantité voulue et devenir un jour auto-suffisant.
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.
About UIMCECThis 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.
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