A loan of $1,375 helped furnishing and purchasing equipment for a beauty parlor/seamstress shop.

Fatou Kiné's story

This group loan will be shared by five women who plan to start a seamstress shop / beauty parlor specializing in the elaborate braided hairstyles that West Africa is famous for. Funds will be used to furnish the facility and purchase an electric hairdryer and miscellaneous equipment. The group, represented by Fatou Kiné N., described their proposal as follows:

“Meckhé is located in the region of Thiès in the Tivaouane department. Established as a commune in 1911, it now has 20,000 inhabitants. With a large population of women, female unemployment remains an urgent problem. This state of affairs exposes girls to such evils as prostitution, premature pregnancies, and a degradation of our values.
The purpose of the loan is to combat the loss of education threatening young women by: 1) moving into and equipping a facility that already exists, and 2) providing training [in hairdressing and sewing] to young women. Business activities will include hairdressing and sewing.”

Original French :

« Contexte du Projet. : Meckhé est situé dans la région de Thiès, département de Tivaouane. Errigé en commune depuis 1911, elle compte à nos jours plus de 20 000 habitants.
Avec une forte population de femmes, le chômage des filles reste un problème majeure.
Cet état de fait expose ces filles aux maux tels que la prostitution, les grossesses précoces, bref une dégradation des mœurs.

Objectifs du Prêt : Lutter contre les méfaits de la déperdition scolaire des jeunes filles.

• -Aménagement et équipement d’un local qui existe déjà

• -Dispensions de formation au profit des filles

Activités : Les activités que se propose le projet sont :

- Coiffure

- Couture »


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, known as tontines. Commonly organized by groups of twenty to thirty housewives who live in the same village, the tontines provide poor women throughout the country with small loans to finance modest income-generating activities. Repayment rates within these associations 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 tontines from meeting the demand for rural microenterprise loans and restricted their impact on the economic development of their communities. Senegal Ecovillage Microfinance (SEM) works to bridge this gap by linking traditional village credit associations with outside sources of finance.

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Loan details