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Femmes Commerçantes N°9 Group
In this Group: Oumy, Fatim, Awa, Fatma, Maréme
The Association of "Femmes Commercantes" (F. C) as its name indicates is a network of women who engage in trading. It is based in Grand Thies and was set up since 1992 by Madam Maty Niakh, the current chairwoman of the network. This woman got this idea at the end of a training course that she had received from an NGO OXFAM in Thies. Thus, She knows group management, entrepreneurship etc. The members of the network are extremely dedicated and they meet once in a month. So, each member is required to make a monthly contribution of 200 FCFA to a mutual fund after subscription fees to the network. Hoping to finance themselves, they decided to join U-IMCEC. Their network was thus split to 19 sub-groups of 5 individuals in order to take better advantage of the funding. They are each requesting for the second time a loan of 100 000FCFA that is 500 000FCFA for each sub-group in order to grow their various businesses. Meanwhile, payments are made to the chairwoman assisted by the treasurer of the association, Madam Coumba Seck, during their monthly meetings. These two are required, in turn, to repay U-IMCEC. This network, says the chairwoman, has only one noble objective: fight poverty in the household. Currently, the network has 19 sub-groups with each having a chairwoman and a treasurer. Femmes Commercantes No 9 is directed by Oumy N.. She 's been selling couscous made of millet for 20 years. Madam Awa G. is married and the mother of 3 children, aged 28, 25 and 20 years respectively. She confided in us that running of her business kept her in the trade. The treasurer is Madam Awa G. who sells breakfast in her community. The other members are Madam Fatma D. who sells couscous and rice, Madam Fatim D. who sells vegetables and Madam Mareme D. who sells laundry products and palm oil
View original language description ↓
Le groupement Femmes Commerçantes (F.C) comme son nom l’indique est un réseau de femmes qui s’activent dans le commerce. Il est basé à Grand Thiès et il a été créé depuis 1992 par Madame Maty Niakh l’actuel président du réseau. Cette présidente a eu cette idée à l’issue d’une formation qu’elle avait bénéficiée de l’ONG OXFAM à Thiès. Elle connait, ainsi, bien la gestion de groupe, entreprenariat …etc. Les membres du réseau sont extrêmement dévoués et se rencontrent une fois par mois. Ainsi, après des frais d’adhésion au groupement, chaque membre est tenu de cotiser mensuellement 200 FCFA pour une caisse de solidarité.
Souhaitant se financer, elles décidèrent d’adhérer à U-IMCEC. C’est ainsi que, leur réseau se voit scinder en 19 sous groupes de 5 personnes pour un meilleur profit des financements. Elles sollicitent pour une deuxième fois un prêt de 100 000 FCFA par membre, soit 500 000 FCFA par sous groupe afin de développer leurs diverses activités.
Cependant, les règlements sont versés à la présidente assistée par la trésorière du groupe, Madame Coumba Seck, pendant leurs réunions mensuelles et ces deux se chargent à leur tour de rembourser U-IMCEC. Ce réseau qui, dit la présidente, n’a qu’un seul et noble objectif : combattre la pauvreté dans les ménages. Actuellement, le réseau compte 19 sous groupes avec chacun une présidente et une trésorière.
Les Femmes Commerçantes N°9 est dirigé par Oumy N. vendeuse de couscous à base de mil depuis 20 ans. Madame Awa G. est mariée mère de 3 enfants âgés respectivement de 28 ans, 25 ans et 20 ans. la marche de son activité lui a maintenu dans le commerce nous confie t-elle.
La trésorière est Madame Awa G. vendeuse de petits déjeuners dans son quartier. Les autres membres sont Madame Fatma D. qui vend du couscous et du riz, Madame Fatim D. vendeuse de légumes et Madame Maréme D. qui vend des produits de lessives et de l’huile de palme.

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
  • 25
    View loans »
    Senegal Loans Fundraising
  • $14,758,125
    Funds lent in using Kiva
  • 489.3
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Femmes Commerçantes N°9 Group's $1,025 loan helped a member to supply products.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Mar 19, 2010
Mar 31, 2010
Currency Exchange Loss:
Dec 17, 2010