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Sad 10 Group
In this Group: Modou, Ibrahima, Saliou, Fatou , Mbaye, Mame Gor, Mamadou , Modou , Aba, Insa
The Economic Interest Group (GIE) Sad 10 is made up of ten people, who all live in the same neighbourhood, and all work in the same type of business.

Modou (with his hand raised in the photo) is the group's president. He is married and has children. He is a farmer and grows vegetables. His working day starts at six in the morning and finishes at seven in the evening.

Modou will use his loan to buy seed and fertilizer to extend his area of cultivation. He is responsible for the day-to-day expenses of his family.

In the future, Modou would like to become a vegetable supplier for the market stallholders. In this way, he would increase his income and improve the living conditions of his family.
View original language description ↓
Le GIE SAD 10 est composé de 10 personnes qui habitent dans le même quartier et faisant tous les mêmes activités. La personne qui a levée la main sur la photo est leur présidente et il s’appelle Modou. Il est marié et père de famille. Il évolue dans l’agriculture et le maraichage et commence sa journée à 6h et la termine à 19h. Il sollicite ce montant pour acheter des semences et intrants pour pouvoir cultiver son périmètre agricole. Il gère les charges quotidiennes de sa famille. A l’avenir il voudrait être un fournisseur en légumes pour l’ensemble des vendeurs du marché. Ainsi il pourra augmenter ses revenus et améliorer les conditions de vie de sa famille

Additional Information

More information about this loan

To reach 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. Most members of these organizations take group loans from UIMCEC. Some group members have larger businesses requiring more capital, and therefore receive individual loans. To meet their needs, UIMCEC is offering this loan at a lower interest rate with no material guarantee requirement. 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
  • 476.9
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Sad 10 Group's $2,100 loan helped a member to buy seeds and fertilizer for vegetable growing.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
At end of term
Dec 2, 2013
Dec 19, 2013
Currency Exchange Loss:
Oct 27, 2014