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Afde Group No. 1
In this Group: Mame Diarra, Ndeye Ndella, Khady, Fatou, Mbene
L'Association des Femmes pour le Developpement d'Entreprises (Association of Women for Business Development) is a cooperative of small-scale traders working in Thies, a city about 70km from Dakar. The association was founded in 1993 by 20 entrepenurial women as a cooperative to increase their purchasing power and organize a tontine. A tontine is a revolving group loan in which each member contributes a small amount to a daily fund, with a different member financed each day. The tontine has evolved to more formal group loans through UIMCEC. For such loans, the members are split into five-member groups, with a designated president and treasurer. These sub-groups may be the same for many years, but often change members depending on financing needs and other considerations. The AFDE organizes monthly member meetings and runs a cooperative for its members, allowing them to buy rice and other staples at a better price. The association's President is Ms. Mame Diarra M..

This is the second loan for AFDE Group No. 1 to be financed through Kiva. Ms. Mame Diarra M., 49, is the president of the AFDE, as well as the sub-group AFDE No. 1. She sells second-hand clothing in the loumas (weekly markets) around Thies. As president of the association, she does not have much time to make it to the markets these days, but has a family member take her place. She is married and has eight children.
Ms. D., 53, is an experienced tailor. She has been in the business for over 30 years since receiving her professional diploma. As a secondary activity, she sells palm oil, peanut paste and coffee. She says tailoring is her passion, but she must supplement her income for her family of ten.
Each group member will use their 100,000 FCFA to bolster their small commerce. Ms. Kairé and Ms. Sané sell fresh vegetables. Ms. D. sews pillowcases which she then sells.

Additional Information


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.

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
  • 4
    View loans »
    Senegal Loans Fundraising
  • $15,175,275
    Funds lent in using Kiva
  • 456.6
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Afde Group No. 1's $1,100 loan helped a member to invest in her business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 29, 2009
Jan 18, 2010
Currency Exchange Loss:
Feb 11, 2011