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Ramatoulaye's Group
In this Group: Ramatoulaye, Ramatoulaye, Mariama, Nene Diamanou, Kadiatou, Nene Galle, Racky
The group was created May 16, 2011 during the inauguration of their "banc villageois" loan association . It currently comprises women who not only live together in the same village, but also acquire experience in their respective activities as they gain deeper understanding of the program, encouraged by the fact that the village is host to a big " Louma " weekly market. Solidarity and mutual help characterize the relationship between group members, whose main activity is small trade.

Mrs. Ramatoulaye (standing on the far right with her hand raised) is the featured borrower. Married and the mother of two boys and four girls, she is 42 years old. She is a very dynamic woman and committed to the proper running of the group.

She sells clothing items: bags, shoes, outfits for men and women and other accessories. She gets her merchandise in the capital by the dozen, for resale at retail prices.

With the new loan, she will buy dozens of shoes at 40,000 CFA francs per dozen, and accessories for women.

With the profits - on average 15,000 CFA francs per dozen sold - she plans to strengthen her savings and improve her family's living conditions.
View original language description ↓
Le groupe est créé le 16 mai 2011 lors de l’inauguration leur banc villageois. Il compte actuellement des femmes qui en plus de vivre ensemble dans le même village, gagnent en expérience dans leur activité respective car comprenant de mieux en mieux le programme cela favorisé par le fait que le village habite un grand « Louma » marché hebdomadaire. La solidarité et entre aide caractérisent les relations entre membre du groupe qui ont comme activité principale le petit commerce.

Madame Ramatoulaye (debout à l’extrême droite avec une main levée) est l’emprunteuse vedette. Mariée et mère de deux garçons et quatre filles, elle est âgée de 42 ans. C’est une femme très dynamique et engagée dans la bonne marche du groupement. Elle est vendeuse d’articles vestimentaires : sacs, chaussures, tenues hommes et femmes et autres accessoires. Elle se procure la marchandise à la capitale par douzaine pour la revente au détail.

Avec son nouveau prêt, elle va acheter des douzaines de chaussures à 40 000 Frs CFA la douzaine, des accessoires pour femmes.

Avec les bénéfices, en moyenne 15 000 Frs CFA par douzaine vendue, elle pense renforcer son épargne et améliorer les conditions de vie de sa famille.

Additional Information

More information about this loan

This loan is going to a borrower or borrower group living in a rural area.

About CAURIE Micro Finance

The mission of CAURIE Micro Finance is to contribute sustainably and to offer microfinance services adapted to impoverished micro-entrepreneurs, primarily women, based on the principles of ‘credit for the poor’ and on microfinance best practices, all while investing in order to become financially independent.

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
  • 4
    View loans »
    Senegal Loans Fundraising
  • $15,174,650
    Funds lent in using Kiva
  • 477.5
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Ramatoulaye's Group's $6,100 loan helped a member buy dozens of shoes at 40,000 CFA francs per dozen, accessories for women.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Dec 18, 2013
Dec 27, 2013
Currency Exchange Loss:
Jul 17, 2014