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Makarimal Akhlakh Groupe 43
In this Group: Fatou, Ndeye Coumba, Sokhna , Amy, Niakhana, Ndeye Fatou, Ngoné, Sokhna Mai, Ndeye Magatte, Mariama
Makarimal Akhlakh is an economic interest group born in 2003. It currently brings together more than 3000 members and is mostly made up of men and women based in the different regions of Senegal. The creation of this economic interest group has as its goal to permit its members to run agricultural and fishing production businesses, general import-export, transportation, industrial, artisanal, construction, livestock farming, mining, transport, hydrocarbon cultivation, art, culture, printing, woodworking service, charitable activities, performance, fishing product conversion, agricultural, spare parts sales, glass fabrication, bakery and service provision businesses. The group is represented at the national level by Ms. Ramatoulaye who signed an agreement protocol with UIMCEC in the framework of the financing of its members, which permits them to acquire the material and financials means necessary for the development of their businesses.

As a consequence, Makarimal Akhlakh groupe 43 is the loan subgroup of the economic interest group, which is made up of ten women represented by the woman Fatou (the one with her hand raised in the photo). They work together in the same zone. Fatou is a single woman and got started more than five years ago in the business sector, making sales of food and jewelry products. She starts off each day's business at 7:00 in the morning in order to finish at 9:00 in the evening The revenues that her business brings in allow her to save money in the hopes of making her project of building a new house in the future come true.
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Makarimal Akhlakh est un groupement d’intérêt économique qui est née depuis 2003.Il regroupe actuellement plus de 3000 membres composés dans sa majorité de femmes et d’hommes localisées dans les différentes régions du Sénégal. La création de ce GIE a pour objet de permettre a ses membres d’exercer des activités de production agricoles et halieutiques, de commerce général import export, de transport, d’industrie, d’artisanat, de bâtiment, d’élevage, d’exploitation minière, de transport pèche, d’exploitation des hydrocarbures, d’art, de culture, d’imprimerie, de services de menuiserie bois, d’actions 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 prestation de service. Il est représenté au niveau national par madame Ramatoulaye qui a signé un protocole d’accord avec UIMCEC dans le cadre de financement de ses membres ce qui leur permettrait d’acquérir des moyens matériels et financiers nécessaires au développement de leurs activités. Par conséquent Makarimal Akhlakh groupe 43 est un sous groupe de crédit du GIE qui est composé de 10 femmes représentées par la dame Fatou (celle qui a la main levée sur la photo). Elles travaillent ensemble dans la même zone. Fatou est une femme célibataire et s’active depuis plus de 5 ans dans le secteur du commerce, elle exerce la vente de produits alimentaires et de bijoux. Elle démarre chaque jour ses activités à 7heures du matin pour la terminer a 21 heures le soir. Les revenus que lui procure son activité lui permettent d’épargner de l’argent dans le but de réaliser dans le futur son projet de construction d’une maison.

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
  • 0
    View loans »
    Senegal Loans Fundraising
  • $15,265,150
    Funds lent in using Kiva
  • 492.9
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Makarimal Akhlakh Groupe 43's $6,100 loan helped a member to purchase food products and jewelry to resell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 16, 2013
Aug 16, 2013
Currency Exchange Loss:
Jan 26, 2015