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With the launch of its subsidiary Manko in 2013, Société Générale de Banques au Sénégal (SGBS) is one of the few banks that offers a banking solution to low-income earners usually working in the informal sector. Entrepreneurs and micro-businesses have traditionally been excluded by banks as they can’t provide a banking history or guarantees to get a loan for example. Only 6% of the adult Senegalese population has a bank account according to Société Générale (in Senegal). Now with Manko more than 6,000 people have been able to open an account or get a loan. The bank even sends out its bankers on scooters to meet with clients to save everybody time – because time is money when you have a business to run. Emmanuelle Landais went to meet with Manko and a small business owner in the suburbs of Dakar.