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Apec Al Ouma Dieupeul 4 Groupe 4
In this Group: Ndeye Yacine , Amadou Lamine, Mame Adama, Awa , Khady, Khady, Felicienne, Mariama
Group 4 is a subgroup of the Dieupeul 4 cell of Apec Al Ouma. It is a mixed group consisting of nine members, who all live in the same neighborhood in Dieupeul. The Dieupeul 4 cell is run by its president Barro Basse (seen in the photo with her hand raised, although not a loan recipient). The subgroup is represented by Mrs. Ndeye Yacine S., who has two years of experience in the sale of seafood.

The subgroup has been a member of the Liberté 6 branch office since February 2011 and is now seeking a loan of 1,200,000 francs. The members regularly visit the weekly market of Foundiougne to stock up on dried fish, oysters, and shrimp, which are then offered for sale at the local markets. Their goal is to earn profits from this activity. The financing can help to strengthen and expand their business. They intend to diversify their operations.
Le groupe 4 est un démembrement de la cellule Apec Al Ouma de Dieupeul 4. C’est un groupement mixte qui est composé de 9 membres. Ils habitent la même localité à Dieupeul. La cellule Dieupeul 4 est dirigée par la présidente Barro Basse (celle qui a la main levée sur la photo, mais elle n’a pas bénéficié de prêt). Le sous groupe est représenté par madame Ndeye Yacine S. qui a une expérience de 2 ans dans le secteur du commerce de produits halieutiques.
Le sous groupe et membre du guichet de Liberté 6 depuis février 2011. Il sollicite un crédit de 1 200 000 frs. Les membres vont régulièrement s’approvisionner en poissons séchés, huitres et crevettes dans le marché hebdomadaire de Foundiougne. Ensuite ils placent les produits dans les marchés locaux. Le but recherché dans leur activité est de se procurer des bénéfices. Le financement peut contribuer au renforcement et a l’élargissement de leur activité. Ils ont pour but de diversifier le secteur d’activité dans lequel ils évoluent.
Al Ouma is a Senegalese nonprofit whose full name is The Association for Koranic Education and Teaching.

Originally founded to work with at-risk children, especially talibés (young boys from poor families who beg in Senegalese metropolitan areas), Al Ouma has evolved its mission to work with adults as well as children. They currently have over 10,000 members, and are actively engaged in supporting the economic development of their members in the hopes of improving their quality of life, and that of their at-risk children.

Al Ouma's members are currently organized into smaller associations which meet each week to contribute to a group fund that helps finance small loans for members. Members typically put in $2 USD per week. Because UIMCEC and Al Ouma both share the mission of fighting poverty through economic empowerment, they have formed a partnership to provide loans to Al Ouma associations at a lower interest rate than UIMCEC usually offers its clients.

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
  • 21
    View loans »
    Senegal Loans Fundraising
  • $14,733,025
    Funds lent in using Kiva
  • 460.0
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Apec Al Ouma Dieupeul 4 Groupe 4's $2,625 loan helped a member to purchase seafood for resale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 21, 2011
Apr 6, 2011
Currency Exchange Loss:
May 15, 2012