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Yoro is a young resourceful man and a married father. He has been active in commerce for several years. He lives in a village located a few kilometers from town. He has need of a loan to purchase some merchandise: dishes made of plastic, glass, or porcelain. Yoro still lacks substantial capital to open a stall or store. This is why he hawks his wares. He has a loyal customer base making special orders as needed.

Living with his family including his brothers, Yoro helps to cover day-to-day household expenses. He would like to see his capital increase in order to be able to open a stall one day and to no longer sell door to door.
View original language description ↓
Yoro est un jeune débrouillard, marié et père de famille, qui s’active dans le commerce depuis plusieurs années. Il habite dans un village situé à quelques kilomètres de la ville. Il a besoin de ce crédit pour acheter de la marchandise : de la vaisselle, en plastique, verre, ou porcelaine. Yoro n’a pas encore un fond consistant pour ouvrir une cantine ou une boutique, c’est pourquoi il fait de l’ambulant. Il possède une clientèle fidèle qui fait la commande en cas de besoin.
Vivant en famille avec ses frères, Yoro participe à la dépense quotidienne du foyer. Il aimerait voir son capital augmenter afin de pouvoir ouvrir une cantine, un jour et ne plus faire l’ambulant.

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
  • 41
    View loans »
    Senegal Loans Fundraising
  • $14,549,700
    Funds lent in using Kiva
  • 482.1
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Yoro to purchase dishes made of glass, porcelain, and plastic to resell.
100% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
Jun 18, 2014
Jul 18, 2014
Currency Exchange Loss:
Jul 19, 2015