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Our borrower is called Yacine and she is 40 years old, married and a mother. She is a loyal customer of the branch and has already had more than five loans from the branch. She has been selling breakfasts for ten years now and each day she gets up at six in the moring to prepare the dishes she is going to sell. She needs a loan so that she can buy a large quantity of condiments that she will need for her preparations: onions, pepper, garlic, potatoes, meat, peas, beans...With the income from her business she is able to manage her personal needs and also contribute to the family's outgoings by taking care of her children's school fees. Yacine would like to open a large restaurant and sell lunches and dinners too.
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Notre emprunteur s’appelle Yacine, âgée de 40 ans, mariée et mère de famille. Elle est une cliente fidèle du guichet et a déjà bénéficié de plus de 5 crédits sur place. Yacine s’active dans la vente de petit déjeuner depuis maintenant 10 ans. Chaque jour, elle se lève à 6h du matin pour préparer les mets qu’elle va vendre. Elle a besoin d’un crédit, afin d’acheter en grande quantité les condiments dont elle aura besoin pour la préparation : oignon, poivre, ail, pomme de terre, viande, petits pois, des haricots…
Avec les recettes de son activité, elle gère ses besoins personnels, mais participe aussi à la gestion de la famille en s’occupant de la scolarité de ses enfants.
Yacine désire ouvrir un grand restaurant et vendre aussi le repas de midi et du soir.

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.

About Senegal

  • $2,300
    Average annual income
  • 25
    View loans »
    Senegal Loans Fundraising
  • $14,758,125
    Funds lent in using Kiva
  • 484.3
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Yacine to buy condiments: onions, pepper, garlic..for the preparation of meals.
100% repaid
Repayment Term
24 months (Additional Information)
Repayment Schedule
May 13, 2014
Jun 21, 2014
Currency Exchange Loss:
Sep 24, 2015