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Makarimal Akhlakh Yoff 33 Group
In this Group: Fatou, Rouguiyatou, Ndeye Amy, Mariama Binta, Fama, Awa Sy, Sabo, Ndeye Sokhna, Gagna, Ndeye Maguette
The "33" group is a remnant of an economic interest group named Makarimal Akhlakh. It comprises ten women who live in the same town and who have the same businesses: selling fresh fish. The women know one another through weekly excursions they take turns organizing. Their representative is the person in the photo with her hand raised. Her name is Fatou. She is a married woman and has been operating her business selling fish for over ten years.

Fatou joined a U-IMCEC branch where she is requesting a loan to bolster her working capital. She would like to increase the goods she offers to satisfy customer demands, which she cannot meet with her own funds. The new loan will enable her to boost her sales and to earn more money. The profits will enable her to improve her family's food situation and to raise her savings level. One day, she would like to become a major wholesaler of fish.
View original language description ↓
Le groupe 33 est un démembrement d’un groupement d’intérêt économique qui répond au nom de Makarimal Akhlakh. Il est formé de 10 femmes qui habite dans la même localité et qui exerce la même activité commerciale : la vente de poissons frais. Elles se sont connues à travers des tours hebdomadaires qu’elles organisaient et qui se faisait à tour de rôle. Leur représentante est la personne qui a levé la main sur la photo, elle se nomme Fatou . C’est une femme marié et cela fait plus de 10 ans qu’elle pratique la vente de poissons. Elle adhérente à l’un des guichets de l’U-IMCEC où elle sollicite un prêt pour renforcer son fonds de roulement. Elle aimerait augmenter son offre de produits pour satisfaire la demande de ses clients qu’elle est incapable de répondre par ses propres moyen. Cela lui permettra de booster ses ventes et de gagner plus d’argent. Ses bénéfices lui permettront de rendre meilleur les conditions alimentaires de sa famille et de hausser le niveau de son épargne. Elle souhaite un jour devenir une grande mareyeuse.

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
  • $15,218,925
    Funds lent in using Kiva
  • 504.8
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Makarimal Akhlakh Yoff 33 Group's $5,950 loan helped a member to purchase fish to sell.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
May 4, 2013
Jun 1, 2013
Currency Exchange Loss:
May 17, 2014