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Apec Ai Ouma Sicap Mbao Gpe  3 Group
In this Group: Néné, Coumba, Ndeye Rokhaya, Boury, Rokhaya
The sub-group APEC AL OUMA G3 is a remnant of the economic interest group AL OUMA. It is composed of ten women who are all active in commerce. They also live in the same town and are represented by Ms. Néné (with her hand raised in the photo). She is specialized in selling bed sheets. She has had a second business for ten years devoting her time to food service.

She is an associate of a U-IMCEC branch, where she is requesting a loan she will use in part to bolster her stock of bed sheets, as well as to stock up on food items for her restaurant business. So, this financing will help her to develop her business activity further. The profitability of this project will thus enable her to start selling palm oil, improve her family's living conditions, and save more money. She would like to expand her restaurant soon and open a store for selling fabrics.
View original language description ↓
Le sous-groupe APEC AL OUMA G3 est un démembrement du groupement d’intérêt économique AL OUMA. Il est constitué de 10 femmes qui s’activent toutes dans le secteur du commerce. Elles habitent aussi dans la même localité et sont représentées par madame Néné (personne qui a levé la main sur la photo). Elle est spécialisée dans la vente de draps de lits. Elle a une double activité et s’adonne aussi a la restauration depuis 10 ans. Elle est sociétaire de l’un des guichets de l’U-IMCEC, ou elle sollicite un crédit qui ’elle sera utilisé d’une part pour renforcer son stock de drap et d’autre part pour s’approvisionner en denrées alimentaires pour son activité de restauration. Par conséquent ce financement pourra l’appuyer a mieux développer ses activités économiques. La rentabilité de ce projet lui permettra ainsi de démarrer la vente d’huile de palme, d’améliorer les conditions de vie de sa famille et d’épargner plus d’argent. Elle souhaite prochainement agrandir son restaurant ouvrir une boutique pour la vente de tissus.

Additional Information

More information about this loan

To reach women borrowers who would not normally qualify for loans, UIMCEC has developed partnerships with a number of local organizations created by the poor to promote savings and mutual support. Previously, UIMCEC was unable to serve these borrowers because they could not provide a guarantee or afford to pay standard interest rates. By supporting this loan, you are helping poor borrowers access credit at  lower interest rates.


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
  • 5
    View loans »
    Senegal Loans Fundraising
  • $15,175,275
    Funds lent in using Kiva
  • 502.6
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Apec Ai Ouma Sicap Mbao Gpe 3 Group's $1,800 loan helped a member to purchase bed sheets to sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 10, 2013
Apr 29, 2013
Currency Exchange Loss:
May 17, 2014