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Apec Al Ouma Groupe 3
In this Group: Aissatou, Houreye, Dieynaba, Arame, Amy Ngone, Maimouna, Rokhaya, Sokhna, Alioune
The "Apec Al Ouma Groupe 3" is a mixed group consisting of nine people who live in the same town in an area of Senegal and also belong to the same association (Apec Al Ouma). They run separate and diverse businesses. They have not taken out any previous loans from UIMCEC, where they are members. They are represented by Ms. Sokhna (whose hand is raised in the photo). She has been active in the commercial sector for more than 30 years and sells vegetables and local products (peanuts). Her business provides her with an income that allows her to take care of her family's daily expenses. She begins her work every day at 8 in the morning and returns home at 4 in the afternoon. She is seeking a loan destined to increase her working capital in order to procure smoked fish for resale. Her goal is to diversify the products she sells and to further develop her business.
APEC AL OUMA GROUPE 3 est un groupe mixte de 9 personnes qui habitent le meme village dans une des localités sénégalaises et adhèrent aussi dans la meme association (APEC AL OUMA). ILS exercent des activités séparées et diversifiées de commerce. ILS n’ont jamais contracté de crédit au sein de l’institution de L'UIMCEC ou ils sont membres. Ils sont représentées par madame Sokhna (celle qui a la main levée sur la photo). Elle s’active depuis plus de 30 ans dans le secteur du commerce et pratique la vente de légumes, de produits locaux (arachide). Son activité lui génère des revenus qui lui permettent de prendre en charge la dépense quotidienne de sa famille. Elle commence chaque jour ses activités a 8 heures du matin pour rentrer chez elle a 16 heures dans l’après midi. Elle sollicite un crédit destiné a augmenter son fond de roulement afin de se procurer des poissons fumés a revendre. Son objectif est de diversifier les produits qu’elle commercialise et e de développer davantage son activité de commerce.

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
  • 510.0
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Apec Al Ouma Groupe 3's $3,550 loan helped a member to buy smoked fish for resale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 14, 2012
Oct 22, 2012
Currency Exchange Loss:
Sep 17, 2013