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Sad Group
In this Group: Baka Fall , Modou , El Hadji , Fadieye , Rama , Demba , Aby
The 'Sad' Group has seven members and its president is Baka. The group members all live in the same household and all work in the same type of business.

Baka (shown with his hand raised in the photo) grows vegetables. He has requested this loan in order to buy seeds and fertilizer. He has more than ten years' experience in this business and shares responsibility for the expenses of his household and the school fees of his children, with his wife. His working day begins at eight in the morning and finishes at eight in the evening.

In the future, he would like to live more comfortably and improve the living conditions of his family.
View original language description ↓
Le groupement SAD a comme présidente Baka , elle est composée de 7 personnes. Elles habitent toutes dans la même maison et pratiquent la même activité. Leur président s'appelle BAKA c’est lui qui a levé la main sur la photo. Il évolue dans le maraîchage. il demande ce crédit pour acheter des engrais et semences pour la pratique du maraichage. il a une expérience de plus de 10 ans dans cette activité et gère les dépenses quotidiennes et les frais de scolarité des enfants .il commence sa journée à 8h pour la finir à 20h. A l’avenir il souhaite vivre dans le confort et améliorer les conditions de vie de sa famille .

Additional Information

More information about this loan

This loan is part of UIMCEC's efforts to serve farmers' needs. UIMCEC has modified loan conditions to allow for seasonal disbursements and bullet repayments at the end of the loan term. UIMCEC is also offering agricultural insurance to repay the loan in the event of crop failure, and has partnered with USAID and some local NGOs to provide technical assistance to borrowers. By supporting this loan, you are helping underserved farmers in rural areas access financial services to smooth incomes, increase yields, and better their lives.


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
  • 22
    View loans »
    Senegal Loans Fundraising
  • $14,746,575
    Funds lent in using Kiva
  • 476.1
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Sad Group's $1,475 loan helped a member to buy seeds and fertilizer for their vegetable growing business.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
At end of term
Feb 10, 2014
Mar 7, 2014
Currency Exchange Loss:
May 17, 2015