A loan of $5,750 helped a member to buy products for resale.


Akarimal Akhlakh Groupe 10'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 phase has been applied to a sample of 120 active members, divided into 12 groups of 10.

Makarimal Akhlakh Group 10 is a mixed sub-group with ten members, who all belong to the Makarimal Akhlah EIG and carry out their daily profit-making businesses in the same market. They are represented by Ndiobé, a married woman who has two years’ experience in selling headscarf fabrics and cellphones to her customers. She often travels to one of the countries beside Senegal to buy her merchandise, and her profits allow her to provide for her children’s education and save money. In the future, Ndiobé would like to be a large retailer in the import-export business.

In this group: Ndiobe, Ndeye Fama, Fatoumata Bocar, Boubacar, Sokhna Daba, Ndeye Penda, Fatoumata, Yama, Ndieunde, Leocadie Adalaide

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Translated from French by Kiva volunteer Paul Lambert



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