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Joseph has been working in the transportation industry for over 5 years. He lives in a village located a few kilometers from the main town. He is married and a father and lives with his family. He is requesting a second loan so that he can fix his broken down vehicle. He wants to change the engine, redo and repaint the bodywork and change the seats, so that he can attract customers from places like tourist locations. Joseph contributes to the family's daily expenditures and pays for his children's education thanks to the income from his business. He aims to buy another vehicle so that he can maximise his profits.
Cela fait plus de 5 ans que monsieur Joseph s’active dans le transport. Il habite dans un village situé à quelques kilomètres de la ville principale. Il est marié et père de famille et vit en famille. Il vient pour la seconde fois, bénéficier d’un crédit pour réparer son véhicule en panne. Il veut changer le moteur, refaire la tôlerie et repeindre et aussi changer les fauteuils. Cela pour permettre d’avoir une clientèle de classe comme des locations de touristes.
Joseph participe à la dépense quotidienne de la famille et paie la scolarité de ses enfants grâce aux revenus de son activité.
Son ambition est d’acquérir un autre véhicule pour maximiser son profit.

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

  • $1,759
    Average annual income
  • 43
    View loans »
    Senegal Loans Fundraising
  • $12,997,975
    Funds lent in using Kiva
  • 483.6
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $1,050 helped Joseph to repair and refurbish his vehicle.
34% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
Jun 25, 2014
Jul 21, 2014
Currency Exchange Loss: