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Baye Modou
Baye Modou is a 19-year old man who has been working as a farmer for two years. This is the first time that he is seeking a loan in order to buy seeds and fertilizers to be able to grow crops and support his family since he is married and has one child. Baye Modou lives with his parents and together with his brothers, who live in the same house, provides for household expenses. Thanks to the revenues from his business, he will be able to provide for household needs and improve his family's life conditions at least to some extent.

However, Baye Modou aspires to have a roof one day and to maximize his profits doing something other than agriculture, such as cattle and sheep breeding. He would also like to open a store that sells grains.
View original language description ↓
Baye Modou, est un jeune de 19 ans qui s’active dans l’agriculture depuis 2 ans. Il vient pour la première fois, solliciter un crédit pour acheter des semences et de l’engrais et pouvoir cultiver et nourrir sa famille car il est marié et père d’un enfant. Baye Modou habite chez ses parents et la dépense est partagé entre lui et ses frères qui vivent aussi dans la maison. Avec les revenus de son activité, il peut gérer les besoins familiaux et offrir tant soit peu à sa famille de bonnes conditions de vie.
Néanmoins Baye Modou aspire à avoir un toit, un jour et à maximiser son profit, en faisant autre chose que l’agriculture par exemple l’élevage bovine et ovine. Il aimerait aussi ouvrir un magasin de ventes de céréales.

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
  • $15,185,275
    Funds lent in using Kiva
  • 484.9
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD