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The borrower is a 46-year old single woman. She lives with her mother, brother and sisters. She sells food products. In the past, she used to travel to the neighboring countries to stock up on clothing and cosmetics, which she sold on credit to clients who would pay her back within a month. Many unpaid debts have forced her to stop this business. She has opened a small shop in front of her home in order to sell foodstuffs. She has been struggling to provide for the hefty expenses of food, healthcare and clothing for herself and her family. These difficulties have led her to open an account with IMCEC, where she obtained two loans, in the amount of 300,000 francs and 100,000 francs, repaid fully without delays. Now, after having been able to put aside 52,399 francs, she is seeking another loan of 200,000 francs in order to bolster her business. She plans to buy 10 bags of onions, 10 bags of cabbage, five bags of peppers, three cartons of local tomatoes, two bags of soap and two bags of sugar. She hopes that expending her stock will increase her income, allowing her to improve the family’s nutrition, and also cover the expenses related to healthcare and clothing. Her goal is to build a big grocer store in her house, which is located on the side of a big road.
View original language description ↓
L'emprunteuse est agée de46 ans et est une femme célibataire. Elle vit avec sa mére et ses freres et soeurs. Elle exerce dans le commerce de produits alimentaire. Mais auparavant, elle se rendait dans lmes pays limitrophes pour s'approvisionner en produits vestimentaires et cosmétiques qu'elle plaçait aupres des clients qui payer au bout d'un mois. Les nombreuses dettes impayées l'ont obligé à arreter cette forme de commerce. Elle a alors implanté une petite boutique devant son domicile pour vendre des denrées alimentaires. Avec cette activités , elle fait difficilement face aux lourdees charges de nourriture, de santé et d'habillement de sa famille et d'elle meme. Ces difficultés l'a poussent à ouvrir un compte à l'IMCEC ou elle obtient deux prets de 300 000f et de 100 000f qu'elle rembourse entierment sans retards. Aujourd'hui, apres avoir constitue une épargne de 52 399, elle sollicite un autre pret de 200 000f pour renforcer son activité. Elle envisage avec ce pret d'acheter 10sacs d'oignopn, 10 sacs de choux, 05 sacs de piment, 03 cartons de tomate local, 2 sacs de savon et 2 sacs de sucre.Elle espere obtenir des benefices de ce stock qui l'aideront à améliorer l'alimentation de sa famille mais aussi à faire face aux dépenses de sante ét d'habillement. Son ambition est de construire une grande alimentation dans son domicile qui se trouve au bord de la route.

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
  • 4
    View loans »
    Senegal Loans Fundraising
  • $15,175,275
    Funds lent in using Kiva
  • 452.4
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Khady to buy 10 bags of onions, 10 bags of cabbage, five bags of peppers, three cartons of local tomatoes, two bags of soap and two bags of sugar.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 16, 2011
Jul 6, 2011
Currency Exchange Loss:
Jul 17, 2012