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Makarimal Akhlakh Gpe 45 Group
In this Group: Fatou, Ndeye Astou, Dieynaba, Amy, Marame, Aramata, Raby, Rokhaya, Khady, Adama
Makarimal Akhlakh is an economic interest group (EIG) that was created in 2003. It currently counts more than 3,000 members composed for the most part of men and women located in different regions of Senegal.

The purpose of this EIG is to allow its members to engage in various activities: agricultural and fisheries production, general trade imports and exports, transportation, industry, crafts, building industry, livestock breeding, mining, transportation for the fishing industry, exploitation of hydrocarbons, art, culture, printing, carpentry services, public service activities, representation, processing of fishery products, agriculture, sale of spare parts, ice-making, bakery and delivery services.

The group is represented nationally by Mrs. Ramatoulaye Faye who has signed an agreement with UIMCEC regarding funding for its members which would allow them to acquire material and financial resources to further develop their activities.

Consequently Makarimal Akhlakh group 45 is a GIE credit subgroup, composed of 10 women represented by lady Fatou (the one with the raised hand on the photo). They all work in the same area of activity.

Fatou is a married woman who has been active for more than 10 years in retail commerce, selling food products. She starts each day's activities at 9 am in the morning to finish at 7 pm. She is a member of one of the branches of UIMCEC where she is requesting a loan to purchase canned goods destined for sale.

She wants to further develop her trade activity. The income provided enables her to save money to eventually acquire a canteen. With the increased profits she also wants to contribute towards improving her family's nutritional well-being.
View original language description ↓
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 Faye 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 45 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 mariée qui s’active depuis plus de 10 ans dans le secteur du commerce, elle pratique la vente de produits alimentaires. Elle démarre chaque jour ses activités à 9heures du matin pour la terminer a 19 heures le soir. Elle est membre de l’un des guichets de l’UIMCEC ou elle sollicite un crédit prévu pour l’achat de boites de conserve destinées a la vente. Elle souhaite développer davantage son activité de commerce. Les revenus que lui procure son activité lui permettent d’épargner de l’argent dans le but de réaliser dans le futur son projet d’acquisition d’une cantine. Elle souhaite aussi avec l’accroissement de ses bénéfices contribuer a l’amélioration des conditions alimentaires de sa famille.

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
  • 494.7
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Makarimal Akhlakh Gpe 45 Group's $6,075 loan helped a member buy canned goods for retail sales.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 16, 2013
Aug 20, 2013
Currency Exchange Loss:
Jan 28, 2015