A loan of $5,750 helped a member to have enough capital to travel and buy supplies.


Makarimal Akhlakh Groupe 8's story

The Makarimal Akhlah economic interest group (EIG) was created on 10 October 2003 in Senegal. The term "Makarimal Akhlakh" means a person who has a good heart and good practices.

The EIG has reached 300 members since 2009. Its objective is to unite its members and allow them to exercise farming and fishing activities, general import and export trading activities, transport, industrial, artisanal, building, livestock farming, mining, fishing, hydrocarbon exploitation, art and cultural, printing, carpentry, public utility services, representation, processing of fishing and farming produce, sale of spare parts, ice-cream making, and bakery businesses, as well as the provision of other services. The EIG also aims to consolidate friendship and solidarity links between its members so that they can obtain the material and financial resources necessary to develop their income-generating activities and benefit from all the advantages relating to the EIG. Within this context a protocol agreement has been signed between the EIG and UIMCEC, to benefit the members of the EIG across the country. The first stage has been applied to a sample of 120 active members, divided into 12 groups of 10.

Makarimal Akhlakh Group 8 has ten members who are part of the EIG, and who all live in the same neighborhood. They are represented by Raya, a married woman who has worked for ten years selling fabrics, crockery, shoes, and ladies’ bags. She regularly travels to a country beside Senegal, where she buys her supplies.

Raya is a member of a UIMCEC branch, and has requested a loan to have enough capital to finance her next trip. The profits that her business generates allow her to cover a large portion of her personal needs, to help her relatives, and to cover her children’s education. Her main goal is to increase her savings, as well as to acquire a large store in the market where she can carry out her business.

In this group: Raya, Mbousse, Dieynaba, Ramatoulaye, Marie , Abdoulaye, Rokhaya, Kouly, Fatou Kine, Ata D.

Translator profile picture

Translated from French by Kiva volunteer Paul Lambert



Loan details


Lenders and lending teams



Loan details