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MARA is a determined woman. She is a married mother of five, of whom three are girls, and two are boys. The oldest child is 17 years old, and the youngest is 5 attending kindergarten in the district. MARA is 45 years old and appears younger than she looks. Her work involves selling fabrics out of her home. She has over ten years of experience in this business

With this loan, she wants to bolster her stock of merchandise. In particular, she is going to purchase some thinner fabrics, such as khartoum, damask, and especially Wax ’pagnes’ (the colorful cloth of western Africa) that are the most used and the quickest to move on the market. Her customers include her family and friends, who really like how very practical and local a vendor she is. MARA has no overhead expenses, well, aside from what she feels she need for her household. So for the future of her business, she still needs to diversify her products and services.
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MARA est une femme battante, mariée et mère de 5 enfants dont 3 belles jeunes filles et deux garçons. L’ainé a 17 ans et le tout dernier, 5 ans qui va à la garderie d’enfants du quartier. Elle a 45 ans et parait plus jeune que son âge. Son activité consiste à vendre des tissus chez elle. Elle a une expérience de plus de 10 ans dans cette activité. Avec le crédit elle veut renforcer son stock de marchandises. Elle va surtout acheter des tissus léger comme le khartoum, les bazins et surtout des wax les plus utilisées et les plus rapides à écouler. Elle compte sa clientèle parmi son entourage qui aime bien cette vente à proximité très pratique. Elle n’a pas de charges imposées sinon que ce qu’elle a envie de faire concernant son foyer. Et cela fait qu’elle a toujours besoin de diversifier les produits et services pour son commerce dans l’avenir.

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
  • 5
    View loans »
    Senegal Loans Fundraising
  • $15,175,350
    Funds lent in using Kiva
  • 484.3
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD