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Akarimal Akhlakh Groupe 10
In this Group: Ndiobe, Ndeye Fama, Fatoumata Bocar, Boubacar, Sokhna Daba, Ndeye Penda, Fatoumata, Yama, Ndieunde, Leocadie Adalaide
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.
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 10 est un sous groupement mixte de 10 personnes appartenant au GIE MAKARIMAL AKHLAH qui fréquentent le meme marché ou ils exercent leurs activités quotidiennes génératrices de revenus. Ils sont représentés par madame Ndiobé, femme mariée qui capitalise une expérience de 2 ans dans le commerce et la vente de tissus voile et portables par placement a ses clients. Elle voyage souvent vers un des pays limitrophes du Sénégal pour se procurer ses marchandises. Ses bénéfices lui permettent de supporter les frais scolaires de ses enfants et d’épargner de l’argent. Elle souhaite dans l’avenir devenir une grande commerçante 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
  • 25
    View loans »
    Senegal Loans Fundraising
  • $14,746,575
    Funds lent in using Kiva
  • 523.2
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD