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A loan of $975 helped egg sales.

Adrien's story

This loan will be shared by a group of ten entrepreneurs who live in the seaside village of Ngaparou, whose hotels and campgrounds are popular with tourists. The group, known as Diokoo and led by Adrien C., submitted the following business plan:

“Background: Situated in the center of the country in the region of Thiès, département of Mbour, Ngaparou is a traditional village composed mainly of fishermen. Some of the village women dedicate themselves to the processing of fish and other seafood, while others are more interested in earning their livelihood from the tourist industry. The Diokoo group belongs to the latter category.

Loan objectives: To use access to credit to better undertake commercial activities; to help to improve the living conditions of our group members. To contribute to the economic development of our community and of the country overall.

Activities: The principal activity planned by the Diokoo group is commercial; it consists of buying and selling eggs at the local hotels, sea stations, and tourist campgrounds. The group members will purchase the eggs by order from Dakar, and will rent a vehicle to deliver their merchandise to them. A bicycle will be purchased and used to deliver the eggs within the village of Ngaparou and in the surrounding villages.


Purchase of eggs : (400 boxes*800F) 320 000 F

Rent of a vehicule to deliver the eggs from Dakar to Ngaparou : 80 000 F

Setting up a storage facility : 50 000 F

Purchasing a bicycle for local delivery of the eggs : 50 000 F

Total : 500 000 F”

Original French:

« Contexte du Projet: Situer au centre du pays dans la région de Thiès département de Mbour le village de Ngaparou et un village traditionnel composé en majorité de pêcheurs.
Les femmes se donnent en partie à la transformation des produits halieutique pendant que d’autres sont plutôt intéressé par le tourisme et les activités touristique, c’est dans ce cadre que s’inscrit le groupement Diokoo.

Objectifs du Prêt : Avoir accès au crédit, pour pouvoir mener des activités commerciales ; aider à améliorer les conditions de vie des membres du groupement.
Contribuer au développement de la localité en particulier et du pays en général.

Activités ; L’activité principale que se propose le groupement Diokoo est commerciale ; il s’agit d’achat et de vente d’œuf dans les hôtels de la station balnéaire, les campements touristique.
Les membres du groupement achèteront le produit à Dakar sur commande ainsi ils déplaceront un véhicule de location pour la livraison de leur marchandise.
Un vélo sera acheté pour les livraisons dans l’éco village de Ngaparou et les villages environnant.

Budget :

Achat des œufs : (400 tablets*800F) 320 000 F

Location de véhicule de livraison de Dakar à Ngaparou : 80 000 F

Aménagement d’un magasin de stockage : 50 000 F

Achat d’un vélo pour les livraisons interne : 50 000 F

Total : 500 000 F »


Senegal is one of the world’s poorest countries, yet its solid democratic tradition and highly developed associational life distinguish it from other countries in its income group. Especially remarkable are Senegal’s networks of rotating savings and credit associations, which provide the rural poor throughout the country with small loans to finance modest income-generating activities. Repayment rates within these groups are excellent, because they are based on local reputation and personal trust between the members. However, their financial resources are limited to the contributions of their members, frequently subsistence farmers with very little disposable income. This has prevented the traditional associations from meeting the demand for rural microenterprise loans and restricted their impact on the economic development of their communities. Senegal Ecovillage Microfinance (SEM) works with our partner organization CRESP to bridge this gap by linking traditional village credit associations with outside sources of finance.

Loan details

Lenders and lending teams

Loan details