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Ndeye Keme's Group
In this Group: Ndeye Keme, Diatou*, Fall Yaye Boye Aminata, Fatou Alphousseyni, Maimouna, Fatou, Coumba Coly, Oulimata, Nene, Salimata, Sadio, Fatou, Fatou Ousmane, Ouleye , Marie Therese, Fama, Amino, Fatou Ibrahima*
* not pictured
This ’banc villageois’ is one of the most experienced in the system. It is composed of women who have a good mastery of the program. Living together for years, the women were able to solidify the ties characterizing them. Having extended experience in ’banc villageois’ programs, they found out how to develop a spirit of group solidarity enabling them today to cope with many situations. The group members’ main work involves small-scale commerce.

Ms. Ndèye (standing at the right with her left hand raised) is the group’s featured borrower. She is 46 years old and a married mother of five children (five boys and a girl). She is a vendor of incense and a variety of traditional beauty products. To make her products, she purchases incense seeds and various perfumes and eau de cologne. She mixes and stores them for a while before selling them in containers of [500 francs] or more.

With this loan, she intends to purchase at least 5 kg of incense seeds called “gohé” and various perfumes and eau de cologne to make incense.

With the profits, she plans on growing her savings and doing better at covering day-to-day expenses.
View original language description ↓
Ce banc villageois est l’un des plus expérimentés du système et groupe en son sein des femmes qui ont une grande maîtrise du programme. La cohabitation durant des années a pu souder les liens qui sont caractérisés. Ayant un long vécu dans le programme des bancs villageois, elles ont su développer un esprit de solidarité de groupe leur permettant de nos jours de faire face à beaucoup de situations. Elles ont comme activité principale le petit commerce.

Madame Ndèye (debout à droite avec la main gauche levée) est l’emprunteuse vedette du groupe. Elle est âgée de 46 ans, elle est mariée et mère de 05 enfants dont 04 garçons et 1 fille. Elle est vendeuse d’encens et divers articles de beauté traditionnels. Pour préparer ses produits elle achète les graines d’encens et divers parfums et eau de cologne, fait les mélanges les stockent pendant une période avant de commencer la vente par pot de 500 gr ou plus.

Avec ce prêt elle compte acheter au moins 5 kg de grains d’encens du nom de « Gohé » et divers parfums et eau de cologne pour préparer ses encens.

Avec ses bénéfices, elle compte accroître son épargne et mieux apporter son soutien concernant les dépenses journalières.

Additional Information

About CAURIE Micro Finance

The mission of CAURIE Micro Finance is to contribute sustainably and to offer microfinance services adapted to impoverished micro-entrepreneurs, primarily women, based on the principles of ‘credit for the poor’ and on microfinance best practices, all while investing in order to become financially independent.

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
  • 58
    View loans »
    Senegal Loans Fundraising
  • $14,279,850
    Funds lent in using Kiva
  • 480.5
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Ndeye Keme's Group's $4,525 loan helped a member to purchase at least 5 kg of incense seeds called “gohé” and various perfumes and eau de cologne to make incense.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jun 26, 2014
Jul 7, 2014
Currency Exchange Loss:
Jan 17, 2015