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Clémence's Group
In this Group: Clémence , Hélène , Astou Cheikh , Poulo , Khémesse Wagane
This group was established on April 17, 2010. It is made up of women from the same village or the ones surrounding it. They get along well and their main business is retail.

Clémence, age 47, is the featured borrower of the group. She's the woman standing on the right and raising her hand in the photograph. She's married and the mother of seven children, three of them girls.

Once she gets her loan, she will buy five cans of cooking oil costing XOF 17'000 each and five bags of sugar (XOF 25'000 each), to retail at her shop in the village. Her retail prices are XOF 1'000 for one liter of cooking oil, and XOF 700 for one kg of sugar.

With her profits, she supports her children's school expenses and buy school supplies. She also strengthen her savings.
View original language description ↓

Le groupe a été crée le 17 avril 2010. Il est constitué de femmes du même village et ceux environnants qui entretiennent de bonnes relations et font comme activité principale le commerce de détail.

Debout à droite de la photo et levant la main, la vedette Clémence est âgée de 47 ans. Elle est mariée et mère de 07 enfants dont 03 filles.

Son prêt reçu, elle achète 05 bidons d'huile de 20 litres à 17 000 frs l'unité, 05 sacs de sucre à 25 000 frs le sac pour revendre au détail dans sa boutique du village. Elle revend le litre d'huile à 1 000 frs et le kg de sucre à 700 frs.

Avec les bénéfices, elle assiste ses enfants pour leurs frais de scolarité, les fournitures et aussi renforcer ses épargnes.

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
  • $15,175,275
    Funds lent in using Kiva
  • 478.7
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Clémence's Group's $3,150 loan helped a member to buy 5 20-liter cans of cooking oil and 5 bags of sugar.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jan 31, 2014
Mar 5, 2014
Currency Exchange Loss:
Aug 17, 2014