Djiguène Bakhna 42 Group
The group's president, Ngoné, is dressed in red and black in the photograph. She's been selling fruits for more than thirty years. She's married and the mother of a family.
She's seeking a loan for the first time, to buy mangoes, oranges and watermelons depending on the season, in order to resell them.
Ngoné helps her husband take care of the daily expenses. Thanks to her business, she manages to put money away in order to be able to expand her business and diversify her products and services.
Leur présidente, la dame Ngoné, habillée en rouge et noir, vend des fruits depuis plus de 10 ans. Elle est mariée et mère de famille .Elle vient solliciter pour la 1ère fois un crédit afin de pouvoir acheter des mangues, des oranges, des pastèques selon la période pour revendre. Ngoné appuie son mari dans la gestion de la dépense quotidienne. Grace à cette activité, elle arrive à épargner pour pouvoir élargir son activité et diversifier ses produits et services.
About UIMCECThis 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.
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