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This borrower has been selling incense, clothing, shoes and necklaces since 2008. She used to get her merchandise at a big city market of the sub-region. She would resell her products in her own town, not far from the capital. She had a kiosk set up in front of her house, but the floods caused by the torrential rains that occurred in 2010 destroyed her stock and damaged her kiosk.

During that time, she also had to pay the hospital costs for her mother who was very ill. The heavy financial burden resulting from these two events led to the bankruptcy of her business. Faced with enormous difficulties, she became unable to support herself and her three children (food, tuition fees, and healthcare) with her husband being absent. In order to restart her business and deal with the hurdles, she opened an account with IMCEC to start accumulating savings.

She is now seeking a loan of 50,000 FCFA to buy two buckets of incense, 20 necklaces, 20 pairs of shoes, and 20 dresses. The profits from this first operation will enable her to diversify her merchandise, improve her children’s nutrition and settle some of the tuition fees.

In the future, she wants to lease some space at the central market of her town to set up a shop where she will sell incense and clothing.
L’emprunteuse exerce depuis 2008 un commerce d’encens, d’habits, de chaussures et de colliers. Elle s’approvisionnait au marché d'une grande ville de la sous - région . Elle revendait ses produits dans sa ville, pas loin de la capitale. Elle avait implanté un kiosque devant son domicile mais les inondations dues aux fortes pluies intervenues en 2010 ont détruit son stock et endommagé le kiosque. Cette période a aussi coïncidé avec la maladie de sa mère dont elle a supporté seule les frais d’hospitalisation. Les lourdes dépenses occasionnées par ces deux événements ont malheureusement provoqué la faillite de son commerce. Ceci l’a plongé dans d’énormes difficultés car elle ne pouvait plus subvenir à ses besoins et à ceux de ses trois enfants (alimentation, frais scolaires et sanitaires) en l’absence de son mari. Pour relancer son commerce et faire face à ses difficultés, elle ouvre un compte à l’IMCEC et commence à constituer petit à petit une épargne. Ainsi, elle sollicite aujourd’hui un crédit de 50 000FCFA pour l’achat de 2 seaux d’encens, de 20 colliers, de 20 pairs de chaussures et de 20 robes. Les bénéfices tirés de cette première opération lui permettront de diversifier ses produits, d’améliorer la situation alimentaire de ses trois enfants et de régler certains frais de scolarité. L’emprunteuse ambitionne dans le future de louer un magasin au marché central de sa ville pour y installer une boutique de vente d’encens et de produits vestimentaires

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.

About Senegal

  • $2,300
    Average annual income
  • 5
    View loans »
    Senegal Loans Fundraising
  • $15,185,275
    Funds lent in using Kiva
  • 460.2
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A loan of $125 helped this borrower to buy incense, necklaces, earrings, clothing and shoes in Dakar for resale in Mbour.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 20, 2011
Jun 24, 2011
Currency Exchange Loss:
Jan 15, 2012