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Afde Group No. 11
In this Group: Aissata, Coumba Laobé, Coumba, Awa, Fatou
The Association of Women for Business Development ( l'Association des Femmes pour le Developpement de l'Entreprise - AFDE) is an organisation of small-scale women traders who work in Thiès, a town which lies 70 kilometers from Dakar. The association was founded in 1993 by twenty female entrepreneurs in order to increase their purchasing power by means of a tontine (a revolving finance system whereby each member contributes periodically an agreed amount and these funds are passed on in rotation to different members). Since this policy does not allow for the financing of all members on the same day, they decided to join l'U-IMCEC (an association of mutual savings and loans institutions) in order to obtain a loan without being asked for guarantees. The members have thus formed sub-groups of five women, with a designated president and a treasurer for each sub-group. These sub-groups, of which there are currently 52, may remain the same for many years, but often change members in line with their needs and other considerations. The AFDE organises monthly members' meetings to which all the sub-groups are invited, and it manages a cooperative for its members, which allows them to buy rice and other products at a better price. The AFDE is run by a president whose name is Mrs. Mame Diarra MAR and a treasurer, Mrs.Ndeye Ndella Diouf, both residents of Thiès.

Mrs. Aïssata N., married and mother of four children, is the president of AFDE sub-group N° 11. She has been running a business for the past seven years through the influence of a friend. Mrs. N. is 44 years old. She hopes that her activity will supplement the quite insufficient family income and improve living conditions for her children and her five-year-old grandchild she has under her care since she was born.

She sells food products such as fruit, jujube, …
Her sub-group also includes:
• Mrs. CoumB. Laobé Bâ, who sells thiouraye (incense)
• Mrs. CoumB. Kanté, who sells charcoal, peanut butter, palm oil
• Mrs. Awa S., who sells beauty products, and
• Mrs. Fatou D., who sells breakfasts.

They are requesting a loan of 500,000 FCFA for their businesses, which will amount to 100,000 FCFA per person.
View original language description ↓
L’Association des Femmes pour le Développement de l’Entreprise (AFDE) est une organisation de femmes commerçantes de petite échelle travaillant dans Thiès, une ville située à 70 Kms de Dakar. L'association a été fondée en 1993 par vingt femmes entrepreneurs pour augmenter leur pouvoir d'achat par le biais d’une tontine (système de financement tournant dans lequel chaque membre cotise périodiquement une somme convenue et qu’on verse à tour de rôle aux différents membres).
Cette politique ne permettant pas de financer au même jour tous les membres, elles décidèrent d’adhérer à l’IMCEC afin de s’octroyer du crédit sans des demandes de garanties. C’est ainsi que les membres sont divisés en sous groupe de 5, avec une présidente désignée et une trésorière pour chaque sous groupe. Ces sous-groupes, au nombre de 52 en ce moment, peuvent être le même pendant de nombreuses années, mais changent souvent de membres selon le financement des besoins et d'autres considérations.
L'AFDE organise des réunions de membre mensuellement où tous les sous groupes sont conviés et dirige une coopération pour ses membres, en leur permettant d'acheter du riz et d'autres produits à de meilleurs prix.
L'AFDE est dirigée par une Présidente du nom de Madame Mame Diarra MAR et une trésorière Madame Ndeye Ndella Diouf toutes habitantes de Thiès.

Madame Aïssata N. mariée et mère de 4 enfants est la présidente du sous groupe AFDE N°11. Entrée dans le commerce depuis 7 ans par l’influence d’une amie, Madame N. âgée de 44 ans compte avec son travail augmenter le revenu familial très insuffisant afin de mieux améliorer les conditions de vie de ses enfants et de sa petite fille de 5 ans qu’elle a en charge depuis sa naissance. Elle vend des marchandises comme des fruits, jujube …. Elle est dans ce sous groupe avec Madame CoumB. Laobé Bâ vendeuse de thiouraye (encens), Madame CoumB. Kanté vendeuse de charbon de bois, pâte d’arachide, huile de palme, Madame Awa S. vendeuse de produits cosmétiques et de Madame Fatou D. vendeuse de petits déjeuners. C’est dans le cadre de leur commerce qu’elles sollicitent un prêt de 500000 FCFA pour recevoir 100000 FCFA par personne.

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
  • 24
    View loans »
    Senegal Loans Fundraising
  • $14,756,775
    Funds lent in using Kiva
  • 455.6
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Afde Group No. 11's $1,100 loan helped a member strengthen their activities.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 29, 2009
Jan 23, 2010
Currency Exchange Loss:
Feb 11, 2011