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Bayana Group
In this Group: Mariama, Combé, Sadio, Amy Penda, Khady, Sadio, Ansata, Oudé
The « BAYANA » solidarity group was formed in October 2002, at the same time as the « Banc Villageois » that shares its name. It is comprised of eight women from the same village, with an average age of 35 and having at least four children. They run various businesses, such as selling fruit, selling vegetables, and selling cashews.

In order to increase their investment capacity and thus their income, the group decided eight years ago to join the microfinance institution CAURIE-MF. Nearly every one of them has received seventeen loans. Their energy and bravery has led to a good amount of savings, approximately 65% of their outstanding loans.

The president of the group, Oudé M., is 41 years old, married and mother of nine children. She also takes care of four other children who have been given to her by friends and relatives. She sells fruits and vegetables. Her new loan would allow her to increase her investment capital in order to have more income and meet various family needs.

The women, in addition to paying regularly on their loans and making monthly savings deposits, help to pay the various expenses of their respective families.
View original language description ↓
Le Groupe de solidarité "BAYANA" est crée en octobre 2002 en même temps que le Banc Villageois qui porte le même nom. Il est composé de 08 femmes toutes issues du même village et ont en moyenne 35 ans et son mère au moins de 4 enfants.

Elle mènent différentes activités à savoir la vente de fruits, la vente de légumes et la vente de noix d'acajous.

pour augmenter leur capacité d'investissement afin d'accroître leur revenus financiers, le groupe a décidé d'intégrer l'institution de micro-crédit CAURIE-MF il y a de cela 08 ans et ont pratiquement toutes eu 17 fois a bénéficier de crédit. Leur dynamisme et leur bravoure ont fait qu'elles ont un bon niveau d'épargne, environs 65% de leur encours de prêt.

La présidente du groupe, Oudé M. est âgée de 41 ans, elle mariée et mère de 09 enfants et tutrice de 04 autres qui lui sont confiés par des proches et parents. Elle est vendeuse de fruits et légumes et son nouveau prêt lui permettra d'augmenter sa capacité d'investissement afin d'avoir plus de bénéfices et pouvoir faire face aux différents besoins de sa famille.

Les femmes, en plus des remboursements régulier de leurs prêts qu'elles font, des épargnes mensuelles qu'elles versent, participent aux différentes charges de leurs familles respectives.

Additional Information

About CAURIE Micro Finance

The mission of CAURIE Micro Finance is to contribute sustainably and to offer microfinance services adapted to impoverished micro-entrepreneurs, primarily women, based on the principles of ‘credit for the poor’ and on microfinance best practices, all while investing in order to become financially independent.

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
  • 1
    View loans »
    Senegal Loans Fundraising
  • $15,175,275
    Funds lent in using Kiva
  • 490.5
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Bayana Group's $1,450 loan helped a member increase the group's ability to self-finance.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Apr 24, 2010
Apr 28, 2010
Currency Exchange Loss:
Nov 15, 2010