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Makarimoul Akhlakh Groupe 3
In this Group: Marietou B., Sokhna A., Ibrahima, Sekou, Mbaye, Marie C.h., Mamadou, Adji Nene, Birane, Aramatoulaye
This borrowers’ group, named Gie Makarimal Akhlakh, was created on October 10, 2003 in Senegal. The term “Makarimal Akhlakh” denotes a person has a good heart and does the right thing. Since 2009, the number of group members has reached 300. The goal is to unify group members helping them with their work: farming, fishing, general retail, import/export, transportation, industry, crafts, construction, animal husbandry, mining, [fishing], arts and culture, printing and woodwork, public services, sales, processing seafood and produce, retailing spare parts, ice cream production, bakeries and providing various services. The GIE also aims to foster friendship and solidarity among its members so as to help them acquire the material and financial means necessary for their businesses and to take advantage of the benefits afforded by GIE. It is in this spirit that an agreement has been signed between GIE and UIMCEC, to benefit GIE members at the national level. The launching phase uses a sample of 120 active members divided into 12 groups with 10 people in each.

Makarimal Akhlakh-group 3 is composed of 10 GIE members who are in the same line of business. They are represented by Mrs. Marietou B. She is a divorced woman who has been selling fabric, sewing supplies and other miscellaneous items for over 10 years. She starts her work day at 9 AM and finishes at 5 PM. She is a member of UIMCEC and is seeking a credit to replenish her stock by buying fabric and miscellaneous items. The growth of her revenue will allow her to cover the cost of her children’s tuition and also save money. Her dream is to become a large-scale entrepreneur and travel to big industrial countries around the world to conduct import-export transactions.
View original language description ↓
Le groupement d’intérêt économique dénommé GIE MAKARIMAL AKHLAH est né le 10 octobre 2003 au Sénégal. Le terme Makarimal Akhlakh symbolise une personne qui a un bon cœur, de bonnes pratiques. Le GIE a atteint le nombre de 300 adhérents depuis 2009. Son objectif est d’unir ses membres et de leur permettre d’exercer des activités de production agricole et halieutique, de commerce général d’import export et de transport, d’industrie, d’artisanat, de bâtiments , d’élevage, d’exploitation minière, de pêche, d’exploitation d’hydrocarbures, d’art et de culture, d’imprimerie et de menuiserie bois, de services et d’action d’utilité publique, de représentation, de transformation de produits halieutiques, d’agriculture , de vente de pièces détachées, de fabrique de glace , de boulangerie et de prestations de services divers. Le GIE vise aussi a consolider des liens d’amitié et de solidarité entre ses membres pour leur permettre d’acquérir des moyens matériels et financiers nécessaires au développement de leurs activités génératrices de revenus et de bénéficier de tous les avantages liés au GIE. Et c’est dans cette mouvance qu’un protocole d’accord a été signé entre le GIE et UIMCEC au bénéfice des membres du GIE au niveau national. La première phase a porté sur un échantillon de 120 membres actifs divisés en 12 groupes de 10.
Makarimal Akhlakh groupe 3 est composé de 10 membres du GiE qui exerce la meme activité. Ils sont représentés par madame Marietou B. C’est une femme divorcée qui s’adonne depuis plus de 10 ans à la vente de tissus, de produits de mercerie et divers autres articles. Elle commence sa journée de travaille a 9 heures, le matin et rentre a 17 heures. Elle est sociétaire a l’UIMCEC et sollicite un crédit prévu pour l’achat de tissus et d’articles divers dans le but de renforcer son stock de marchandises. L’accroissement de ses bénéfices lui permettra de prendre en charge les frais scolaires de ses enfants mais aussi d’épargner de l’argent. Son rêve est de devenir une très grande commerçante qui voyage a travers les plus pays commerciaux du monde pour faire de import-export.

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
  • 0
    View loans »
    Senegal Loans Fundraising
  • $15,265,150
    Funds lent in using Kiva
  • 522.4
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Makarimoul Akhlakh Groupe 3's $5,750 loan helped a member to buy fabric and miscellaneous supplies for resale.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Aug 10, 2012
Aug 30, 2012
Currency Exchange Loss:
Jul 17, 2013