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Baye Niasse Group
In this Group: Houlèye Samba Djiby , Foulimata , Maïmouna , Awa, Khady, Rouguiatou
Baye Niasse Group is made up of six women who all live in the same neighborhood. They get together each time the need arises. They run very similar retail businesses.

Mrs. Houley, the woman raising her hand in the photograph, is the group's president. She has 20 years of experience. She's seeking this loan to buy and sell vegetables, tea, and sugar.

She's 59 years old, married, and the mother of a family. She helps her husband cover the daily expenses of the family. She starts her day at 9 a.m. and finishes it at 6 p.m.

In the future, she would like to strengthen her business and increase her income, thanks to the loans from the MFI. She also intends to put money away.
View original language description ↓
BAYE NIASSE est un groupement de femmes qui est composé de 6 personnes qui habitent toutes dans le même quartier et qui font pratiquement le même métier de commerce et se réunissent à chaque fois de nécessité. Madame Houley est leur présidente, c’est elle qui a levé la main sur la photo. Elle a une expérience de 20 ans et demande ce montant pour acheter et vendre des légumes, thè et sucre. Elle est mariée et mère de famille. Agée de 59 ans, elle aide son mari dans la gestion des dépenses quotidiennes de sa famille. Elle commence sa journée à 9h pour la terminer à 18h. Houleye voudrait à l’avenir renforcer son activité et augmenter ses revenus et cela grâce aux crédits de l’institution. Elle pense aussi épargner de l’argent.

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
  • 0
    View loans »
    Senegal Loans Fundraising
  • $15,265,150
    Funds lent in using Kiva
  • 473.6
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A portion of Baye Niasse Group's $1,275 loan helped a member to buy vegetables, tea, and sugar.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Mar 11, 2014
Apr 14, 2014
Currency Exchange Loss:
Oct 27, 2014