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Ms. Penda, aged 42, is a married mother of a family. She has been working in the commerce of fruit & vegetables for over five years. She is set up at the market, where she has a stall, as seen in the photo. She is a regular borrower at IMCEC, since she is on her fifth loan. With this loan, she is going to purchase some fruit (pineapples, mangoes), and vegetables (cucumber, fresh tomatoes, bell peppers) to resell.

Penda helps to cover household expenses and is a very ambitious woman with plans to go above and beyond in preparing her workplace, so as to attract more customers.
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Madame Penda, âgée de 42 ans, mariée et mère de famille, évolue dans le commerce de fruits et légumes depuis plus de 5 ans. Elle s’est installée au marché où elle tient une étale comme on la voit sur la photo. Elle est une habituée des crédits à l’IMCEC car en est à sa 5ème fois. Avec le crédit, il va acheter des fruits : ananas, mangue ; des légumes : concombre, tomate fraiche, poivron pour revendre.
Penda appuie aux charges de la maison, et est une femme très ambitieuse qui cherche à aller au-delà en aménageant son lieu de travail pour attirer davantage de clients.

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
  • 0
    View loans »
    Senegal Loans Fundraising
  • $15,221,925
    Funds lent in using Kiva
  • 480.6
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD