Senegal



Entrepreneur
Fatim Sylla
Dakar, Senegal
Followers: 14
Feedback Rating: 100 % Positive (4)
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On-Time Repayments: 36% (36)
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This Loan
40% Repaid


Disbursed Amount: $757.42
Date Disbursed: Feb 8, 2012
Repayment Status: Late
Repayment Frequency: Monthly Projected Term: 22 months
Cost of Loan: $69.43
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Service Fee: $757.42 at 5% annual rate over 22 months = $69.43


Story
About Me

My name is Fatim. I am very happy to have recently come across the Zidisha web site. I know that I can benefit from financing my work for clients who want to sign up for phone numbers in order to communicate with their family and friends. I am from a poor family and am the oldest of my mother’s children. I am responsible for caring for my two children; I am divorced from my husband. He didn't want me to have a business, because he thought that a woman's place is inside the home. Whereas I think that every individual should be able to work and benefit from the fruits of their own labor. I also support some brothers, a sister, a grandmother, you can see my problem.

My Business

I buy prepaid calling cards for cell phones. I sell them in a boutique in the market near my neighborhood. I sell the cards often to clients who pass by the market and to locals who work all day long. For each quantity of two hundred subscription cards, one makes about 25,000CFA (roughly $50). To buy this quantity, one must pay nearly 160,000CFA (roughly $360) to the wholesaler. The pay-as-you-go cards cost 1,000CFA (roughly $2) and I get about 200CFA (about $0.40) each. There are also packs of ASDL (high-speed internet) pour clients who use a wireless phone line or Internet at their homes. The women's credit association I previously borrowed from required a contribution each week of 1,000CFA (roughly $2). Every two weeks, a woman in the group would receive 50,000CFA (roughly $100) or 100,000CFA (roughly $200) so that she can work. When the amount was given to me I started my business. After, I continued to contribute to the association with whom I participate until the end of that contribution cycle.

Loan Proposal

purchase of prepaid phone cards, mobile phone handsets, and registration as a "frigo" retailer

About Me

My name is Fatim. I am very happy to have recently come across the Zidisha web site. I know that I can benefit from financing my work for clients that want so badly to be able to communicate with their parents and friends. I am from a poor family and am the oldest of my mother’s children. I have am responsible for my two children. Add some brothers, a sister, a grandmother, you can see my problem. I divorced my husband who didn’t want me to be able to work, he would rather that women stay at home. So I think that each individual must work to earn their living.

(this is a translation of the original French below)

Moi je m'appelle Fatim. javais hâte de vous retrouver à nouveau les bailleurs.j'ai déjà bénéficier d'un prêt qui a été bénéfique pour moi coté économique social.j'ai fini de le rembourser j'attends avec impatience un autre prêt pour pouvoir me relancer à continuer et améliorer mes activités télécommunicationnelles et quotidiennes.

My Business

My name is Fatim. I am very happy to have recently come across the Zidisha web site. I know that I can benefit from financing my work for clients that want so badly to be able to communicate with their parents and friends. I am from a poor family and am the oldest of my mother’s children. I have am responsible for my two children. Add some brothers, a sister, a grandmother, you can see my problem. I divorced my husband who didn’t want me to be able to work, he would rather that women stay at home. So I think that each individual must work to earn their living.

I buy cards of credit for cell phones. I sell them in a boutique in the market near my neighborhood. I sell the cards often to clients who pass by the market and to locals who work all day long.

For each quantity of two hundred subscription cards, one makes about 25,000CFA (roughly $50). To buy this quantity, one must pay nearly 160,000CFA (roughly $360) to the wholesaler.

The pay-as-you-go cards cost 1,000CFA (roughly $4) and I get about 200CFA (about $0.40) each. There are also packs of ASDL (high-speed internet) pour clients who use a wireless line at their homes.

The tontine had a contribution each week of 1,000CFA (roughly $4). Every two weeks, someone gives a woman in the group 50,000CFA (roughly $100) or 100,000CFA (roughly $200) so that they can work. One time, the amount was given to me and I started my business. After, I continued to contribute to the group with whom I participate until the end of it’s cycle.

(this is a translation of the original French below)

Moi je m'appelle Fatim. Fatim. javais hâte de vous retrouver à nouveau les bailleurs.j'ai déjà bénéficier d'un prêt qui a été bénéfique pour moi coté économique social.j'ai fini de le rembourser j'attends avec impatience un autre prêt pour pouvoir me relancer à continuer et améliorer mes activités télécommunicationnelles et quotidiennes.
je suis toujours dans le domaine de la télécommuncation des opérateurs téléphoniques orange,tigo,expresso.je compte ajouté des téléphones avec leur recharge de crédit que je vendrais au détail aux clients, et découvrir enfin le produits orange money qui est une ouverture de compte gratuite que le client fait au niveau de son portable pour pouvoir acheter directement du crédit au lieu de se déplacer tout le temps, et de pouvoir envoyer de l'argent directement à son portable à travers le compte déjà ouvert à ses parents à l'intérieur de dakar ou dans les régions et de pouvoir faire des retraits d'argent aussi toujours dans compte porte- monnaie qui n'est rien d'autre que son portable. si possible acheter un frigo pour vendre aux vendeurs de poisson ou de viande de la glace pour qu'ils puissent conserver le restant de leur marchandise
voilà en gros ce que je compte faire avec mon 2ème prêt
si je n'en ai pas cette somme je me contenterai de ce que vous me donneriez vous les bailleurs, juste une proposition sinon vous me dites ce que vous pouriez me financer.merci infiniment encore une fois pour votre soutien,votre aide.

Loan Proposal

achat de cartes téléphoniques, téléphones portables, abonnement,frigo,


Feedback
Positive   4      Neutral   0      Negative   0     

Lenders
Colin

Albuquerque,  United States

smonroe

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Spock

Koeln,  Germany

Josua

Brittnau,  Switzerland

Delph007

Den Haag,  Netherlands

DanielStano

Nitra,  Slovakia

LaBretonne

Rennes,  France

joerg

Berlin,  Germany

Brian

Midhurst,  Canada

columcille

Oftringen,  Switzerland

theChad

Perth,  Australia

TyeandRobin

Bynum,  United States

DrFeelGOOD

San Jose,  United States

okane

Espoo,  Finland

danmcb

Danielmcbrearty@gmail.com,  Belgium

snapcore

--,  United States

TeamCU

Boulder,  United States

drjofleming

Uk,  United Kingdom

valentin

Stockholm,  Sweden

sharingiscaring

Hershey,  United States

CWS

Huntington Beach, Ca,  United States

Discussion
Ask Fatim a question about this loan project, share news and photos of your own, or send a simple note of thanks or inspiration.

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  • Fatim Sylla     Jan 30, 2013

    Good day dear lenders
    I thank those who gave me this loan, and I present from the bottom of my heart my apologies. My clients have been taking their time to pay me. This delay is independent of my wishes. My hope is to overcome quickly these financial difficulties with which I am confronted and I hope to avoid future delays. My project is evolving little by little as I try to diversify my products to become more productive and comptitive. I have upgraded my kiosk at the market. I am selling cakes and pastries of good quality which are very in demand with children. I am also selling coffee (Touba coffee) which is in great demand from consummers. I end with thanking you again and apologize once more for the delay in my repayment.

    Translated by     Show original

    Bonjour chers emprunteurs
    Je remercie les bailleurs qui m'ont accordé ce prêt et je leur présente au fond de coeur tous mes excuses,dû au recouvrement de mes créances auprés de mes clients qui prennent du temps à me payer. ce retard est indépendant de ma volonté. Mes souhaits sont de surmonter trés vite ses difficultés financières auxquelles je suis confrontées et j’espère ne plus avoir d'arriérés de versement. Mon projet évolue petit à petit et j'essaie de diversifier mes produits pour être plus productif et compétitifs. j'avais effectué des réfections de ma cantine au marché. Je vends des gâteaux et des beignets de bonnes qualités qui sont trés pris par les enfants. Je vends également du café (café Touba) qui est très demandé par les consommateurs. je vous quitte sur cette phrase en vous renouvellement mes remerciement et vous présente mes excuses sur ce retard de paiement.


  • Fatim Sylla     Jul 23, 2012

    Hello, it’s me again.
    Just to clarify that Fatim is ok with continuing to repay the same amount of 28080 after the grace period since I am not permitted to request a grace period and at the same time reduce the amount due. It’s because, after I explained this she accepted it and also said that this will allow her to settle the balance of her loan more quickly.

    Maguette

    Translated by     Show original

    Bonjour c'est encore moi.
    Juste pour préciser que Fatim est d'accord pour continuer à rembourser le même montant de 28080 après la période de grace puisqu'il n'ai pas permis de demander une période de grâce et de même diminuer à la fois le montant dû. C'est pourquoi, après que je lui ai explique cela elle a accepter et a même dit que cela lui permettra d'ailleurs de solder plus vite son prêt.

    Maguette


  • Fatim Sylla     Jul 23, 2012

    Hello,
    I am very sorry for my payment schedule and I apologize to all my backers. This is due to some social difficulties, since my daughter had some heartburn, which was very bad. She couldn’t even eat the rice with fish that we cook all the time. She had almost her own diet which wasn’t easy, the doctor gave her prescriptions that didn’t take care of her stomach. I had to bring her to see almost 3 doctors, and the last one that made her do perfusions since she was so dehydrated due to the repeated vomiting. Thanks to God she is finally better. She was taking 1 bag of the medicine Maloox which didn’t suit her stomach well, Belmazol, and finally it was Azantac and the suppository that calmed her. Really, this damaged and damaged my payment schedules. Now before the month of August I would like to pay the sum of 28080 fcfa divided in two, which is 14040 fcfa for a little under a month until I can get back on schedule to continue paying my normal monthly payments of 28080 fcfa. With the month of Ramadan also, my business has slowed down. No one eats in the morning, the clients are becoming scarce. And I am resting a bit in order to throw myself into the sales of my Orangemoney and Izi and Seddo credit. Briefly, here is Maguette with Fatim’s message: missing Mrs. Julie and all the lenders. I saw Cham and he called me himself to remind me of my payments, and I let him know about my delays and the reasons for them. Thank you again.

    Translated by     Show original

    Bonjour
    je suis vraiment désolée pour mes calendriers de paiement et je m'en excuse auprès de tous mes bailleurs cela est dû à des difficultés sociales, ya ma fille qui avait des brûlures d'estomac, qui était très mal, ne pouvait ni manger du riz au poisson que nous cuisinons tout le temps avait presque son propre régime qui n'était pas facile, le medecin l'avait prescrit des ordonnances qui ne soignaient pas l'estomac, je l'ai amener presque voir 3 medecins, c'est à cette dernière qui lui a fait faire des perfusions, car elle avait perdu beaucoup d'eau dûs aux vomissements répétitifs, de déshydration finalement ya du mieux grâce au bon Dieu. ya 1 sachet de médicaments maloox qui ne valaient pas avec l'estomac,le belmazol, finalement c'est Azantac et le vogalène suppositoire qui l'a calmé. vraiment ça m'a faussé et a faussé mes calendriers de paiement. je voulais maintenant bien avant la fin du mois d'Août de commencer à payer la somme de 28080fcfa divisé par 2 ça fera 14040fcfa pour peu de mois le temps que je me remette à jour pour continuer à payer mes mensualités normalement de 28080fcfa. Avec le mois de Ramadan aussi presque mes activités se ralentissent personne ne mangent le matin, les clients se font rare. et je me repose un peu pour me lancer sur la vente de mon orangemoney et crédit izi et seddo. voilà en bref maguette le message de fatim, nostalgie à madame julia et à tous les bailleurs. j'avais vu Cham et il m'appelle même pour me rappeler mes versements et je lui fais pars de mes retards à quoi cela est dû. merci à plus


  • SEGant     Jun 5, 2012

    Hi Lenders,

    My name is Sam Gant and I'm currently one of the two Client Relationship Managers here in Dakar. Today I met with Fatim near her daughter's home in the HLM market to learn more about her business and her plans for the future. In the mornings Fatim sells homemade beignets and coffee outside of the Bourguiba school near her home, and then moves to her kiosk to sell telecom cards and mobile phones from 8 AM to 4 or 5 PM.

    She buys packages of scratch-and-go telecom cards (the most common form of phone service here in Senegal) in varying denominations and passes them on to customers to realize a 4% profit. She also sells digital OrangeMoney credit, a service that allows clients to pay electricity and water bills via cell phone transfer. Her future ambitions include expanding her stock of OrangeMoney credit and purchasing Samsung and Huawei cellphones with internet capability. Currently her selection of phones ranges from offerings that cost $15 to phones that cost over $100.

    Mme Sylla is a vibrant, talkative and motivated businesswoman who was acquainted with at least a third of the people we passed while walking through the neighborhood. She continues to support her family with her business, and is eager to continue her involvement with Zidisha to benefit from the economies of scale of purchasing phone credit wholesale. She was very grateful to the lenders who financed her request, and plans to share any future updates as they occur.


  • Fatim Sylla     Jun 5, 2012

    Hello to Ms. Julia and to all the lenders on this Tuesday, June 5, 2012. Fatim who is very nostalgic for you and the lenders will always keep you updated on her activity in the Telecom service. Now we have experience with Orangemoney; moreover I have been introduced to your new intern San, who is always ready to walk in the sun in order to come to my home to meet me. I always sell cakes and coffee to the Bourguiba School. In the future, with the opportunities offered by Orangemoney such as the payment of our electric and water bills, the transfers of money to our parents in the interior as well as the exterior of the country, I would like to buy the maximum units of value in order to resell them to the clients and also add to that Infini and Samsung laptops with wifi since the Internet is undependable these days. That will interest the clients also because they are requesting it. Thank you again for everything.

    Translated by     Show original

    bonjour a mme julia et a tous les bailleurs en ce mardi 05juin 2012. fatim qui est tres nostalgique de vous et des bailleurs vous fait part de la continuite toujours de son activite dans le service Telecom. maintenant on a la pratique de orangemoney daillleursje l'ai montrre a votre nouveau stagiaire San qui est tres disponioble en marchant sous le soleil pour vrnir chez moi pour me rencontrer. je vend toujours a l'ecole bourguiba, les gateaux et le cafe. a l'avenir avec les opportunites offertes par orangemoney comme le paiement de nos factures electricites et d'eau,les transferts d'argent a nos parents a l'interieur comme a l'exterieur du pays j'aimereais acheter le maximum d'unites de valeurs pour les revendre aux clients et en ajouter aussi les portables infini,samsung avec wifi puisse que Internet est incontounable de nos jours et ca interesse les clients aussi puisse qu'ils nous le demandentmerci encore une fois pour tout


  • adonahue     Mar 27, 2012

    Fatim's business is doing well and she has big ideas for the future. Here she is selling cell phone credit at her Tigo stand in Dakar.


  • Fatim Sylla     Mar 8, 2012

    Today, March 8th 2012, the international day of women, Honour and BRAVERY to Ms Julia and to all our lenders. Julia is one of the first lady in the world who works as a leader, helping me and the other women financially and to become leaders by creating a profitable activity in services such as networks (Orange, Tigo, expresso, seddo, izi,...), to sell coffee to customers and cakes to school kids. Thanks to Julia, I am socially, economically and psychologically autonomous; now that our great God helps me to repay my loan and to take a 3rd one.
    Bravery to all lenders in this day: Thursday, March 8th 2012

    Translated by     Show original

    En ce journee 08 ;mars 2012 journee internationaje de la femme,Honneur et BRAVOUR A Mme JULIA et a tous nos bailleurs.mme Julia faisant partie des PREMIERES Femmmes LEADERS CHIPS au niveau mondial maidant financierement et les autres femmes a devenir leader chips en creant une activite generatrice de revenue dans le service Telecom de orange,tigo et expresso.seddo,izi,expresso.de vendre du cafe aux clients et des gateaux aux enfants ecoliers.grace a julia,je suis autonome,socialement,economiquement et moralement.maintenant que notre bon Dieu maide a rembourser mon pret et prendre un 3eme pret.
    bravour a tous les bailleurs aussi en cette journee jeudi 08mara 2012.


  • Anicet     Feb 7, 2012

    Hi everybody
    I'm Anicet, Zidisha 's Client Relationship Manager in Senegal.
    I meet Fatim in January 2012 with Maguette and Stephen (my colleagues) and I can tell that she is a joyfull and ambitious who want to expand her business.
    I'm very happy for you to see that your loan application have had a positive response.
    I know that you will make a good use. Wish you the best to the new business you want to explore and, still share your joy in your family, your city and to everyone you meet like what you did when you meet us for the first same time.
    (hug)


  • DrFeelGOOD     Jan 29, 2012

    Merci bien a vous, je suis content de puovuoir vous aider! Good Luck!


  • danmcb     Jan 29, 2012

    Hello Fatim!

    It's great to read about your growing business here. I wish you much success and prosperity, I am very happy to be able to assist you via Zidisha. Please keep telling us more about how your business is going!

    best wishes from rainy Belgium,

    Daniel


  • Fatim Sylla     Jan 28, 2012

    Good evening from Fatim Sylla
    On Saturday, January 29, 2012 I just read that Christmas is over and that we should wish the lenders a good holiday. Although it has passed I want to wish them all the same. We cannot give more than that but I wish a good holiday to Ms. Julia,too. Happy, happy holidays.
    Merci. Thank you forever.

    Translated by     Show original

    bonsoir de fatim sylla
    en ce samedi 29 janvier 2012, je viens de lire que la fête de natal est passée et que nous devrions souhaiter à nos bailleurs de passer une bonne fête.bien que c'est passée mais je leur souhaite quand même.on ne peut pas vous payer plus particulièrement moi fatim.bonne fête à madame julia aussi bonne bonne fête.
    merci thank you for ever.


  • Neequayes     Jan 6, 2012

    Anicet,Maguette and I are the newest client relationship interns with Zidisha. We have just had our first visit with Fatim Sylla. From our first impression we can see that she is a really enthusiastic, and creative entrepreneur. She used her loan to start her business in selling phone cards and internet credit in which she is very successful. Fatim has a good reputation in the community and would like to start another business.She has completed paying off her loan and is now in need of another loan.She is currently aspiring to expand her current activities into other areas of credit. Fatim has successfully secured a distribution agreement with Orange mobile, a company that allows users to send and receive money, and pay their bills via their cell phones. Also, she is interested in buying a refrigerator to diversify her business options. We wish the best for Fatim in whatever she does. Good luck.

    • Daniel     Jan 12, 2012

      Fatim -- your record with the prior Zidisha loan is excellent. Would like to lend again, but am confused about your plans to buy a refrigerator in Dakar. Other borrowers here have mentioned difficulty operating electrical machinery due to power outages. Is this not an issue at your location? Thanks!

      • Fatim Sylla     Jan 28, 2012

        bonsoir de fatim sylla
        en ce samedi 29 janvier 2012, je viens de lire que la fête de natal est passée et que nous devrions souhaiter à nos bailleurs de passer une bonne fête.bien que c'est passée mais je leur souhaite quand même.on ne peut pas vous payer plus particulièrement moi fatim.bonne fête à madame julia aussi bonne bonne fête.
        merci thank you for ever.Daniel merci du conseil que vous apportiez pour l'achat du frigo et les difficultés qu'ont rencontré pas mal de clients électricité, merci merci.j'y veillerai et faire en sorte de le bien étudier.

      • Fatim Sylla     Jan 28, 2012

        bonsoir de fatim sylla
        en ce samedi 29 janvier 2012, je viens de lire que la fête de natal est passée et que nous devrions souhaiter à nos bailleurs de passer une bonne fête.bien que c'est passée mais je leur souhaite quand même.on ne peut pas vous payer plus particulièrement moi fatim.bonne fête à madame julia aussi bonne bonne fête.
        merci thank you for ever.Daniel merci du conseil que vous apportiez pour l'achat du frigo et les difficultés qu'ont rencontré pas mal de clients électricité, merci merci.j'y veillerai et faire en sorte de le bien étudie


  • Neequayes     Jan 6, 2012

    Anicet,Maguette and I are the newest client relationship interns with Zidisha. We have just had our first visit with Fatim Sylla. From our first impression we can see that she is a really enthusiastic, and creative entrepreneur. She used her loan to start her business in selling phone cards and internet credit in which she is very successful. Fatim has a good reputation in the community and would like to start another business.She has completed paying off her loan and is now in need of another loan.She is currently aspiring to expand her current activities into other areas of credit. Fatim has successfully secured a distribution agreement with Orange mobile, a company that allows users to send and receive money, and pay their bills via their cell phones. Also, she is interested in buying a refrigerator to diversify her business options. We wish the best for Fatim in whatever she does. Good luck.


  • Fatim Sylla     Jan 6, 2012

    Hello. Its been a long while since I have made a comment. I have finished paying off my loan and I wanted to thank God, Zidisha and everyone else who has helped with my current business endeavors. I am now looking for a new loan for a new upcoming project this year. I wanted to thank everyone who has supported me. God bless.


  • Fatim Sylla     Sep 26, 2011

    • Fatim Sylla     Sep 26, 2011

      How are you, lenders and Julia? I was able to access my Zidisha account again thanks to your message which I received this morning, and I have just signed on in order to send you my thanks for your help in retrieving my password. I would also like to thank Zidisha and all my lenders, who helped me to start up my Orange/Tigo/Expresso mobile phone boutique business. To share my news with you, I have made an extra effort to access the website and post this comment. I thank God for having helped me to complete my monthly repayment installments. I will be applying for another loan, which will provide the capital I need to keep working and advancing my business. Thank you for having supported me. I hope to hear from you soon.

      Translated by     Show original

      how are you all bailleurs plus particulièrement julia, je suis parvenue à accéder à mon compte merci j'ai reçu votre message depuis ce matin, je viens de me connecter pour vous remercier de l'aide que vous apporter pour retrouver à nouveau mon mot de passe.je remercie aussi madame zidisha qui m'a aider à monter mon projet de boutique d'orange,tigo,expresso ainsi qu'à tous les bailleurs.pour vous faire part de mes nouvelles, j'étais hâte de retrouver à nouveau le site et faire mes commentaires.merci Dieu de m'avoir aider à terminer mes versements mensuels.je relance ma demande aux bailleurs,julia madame zidisha pour avoir un financement à nouveau pour travailler et continuer mes activités.merci de m'avoir soutenu, je suis à votre écoute.

    • Maxigakou     Jan 6, 2012

      Ses débuts avec Zidisha :

      Pour rappel, Fatim faisait une formation à l’ONG CRES. C’est là bas qu’elle a connu ZIDISHA par l’intermédiaire de Bouba. Elle ouvert un compte sur le site de ZIDISHA et a bénéficié d’un prêt de 170000 en 2010. Avec ce prêt elle a démarré une activité de vente de carte de crédit téléphonique et de crédit en détail. Elle travail avec les deux premiers opérateurs téléphoniques au Sénégal, TIGO et ORANGE. Elle est éligible aux prêts de Zidisha car elle était membre d’une tontine dans son quartier dont la mise était de 100 000fr (participation de 2000 frs tous les 15 jours). Et par ailleurs, elle se débrouille bien avec l’informatique.

      Description de l’activité :

      Fatim a démarré un partenariat avec Tigo qui lui a donné un parasol et une table pour lui servir de bureau de travail. A la souscription, elle a versé 15 000 et a acheté des cartes de recharge de crédit téléphonique pour les revendre. Elle vend également du crédit téléphonique en détail à partir de son téléphone portable ; ce système s’appelle « la vente de easy ». Pour ce faire, elle recharge une carte de crédit dans son téléphone vend au détail à partir de 100 frs cfa.
      Elle fait la même chose avec 0range, le premier opérateur téléphonique au Sénégal, c'est-à-dire la vente de carte de recharge téléphonique et la vente au crédit au détail qui s’appelle seedo chez cet opérateur.
      Fatim loue une cantine au marché près de chez elle dont les mensualités s’élèvent à 15 000 frs.
      Elle s’approvisionne auprès des distributeurs agrées de Tigo ou de Orange selon ses possibilités d’achat. Elle bénéficie d’une réduction de 60 frs pour chaque carte de 1000, 150 frs pour les cartes de 2500 et 300 frs pour les cartes de 5000. C’est le même système qu’elle souhaite commencer avec le troisième opérateur téléphonique, Expresso.
      En ce qui concerne son chiffre d’affaire, ca dépend du montant de crédit qu’elle achète auprès de son fournisseur. Elle réalise un bénéfice d’environ 2000 frs par jour. Et quand il ya promotion sur les carte de crédit elle peut vendre 50000 frs pour chaque opérateur (tigo et orange).

      Objet du prêt :

      Fatim sollicite à un nouveau prêt de 500 000 pour étendre son activité avec les télécommunications. Et diversifier avec une autre activité avec la vente de glace aux vendeurs de poisson au niveau du marché où se trouve son magasin. Ainsi, elle souhaiterait travailler avec le troisième opérateur téléphonique au Sénégal : Exprésso. Elle également pour cet opérateur des cartes de crédit moyennant commission. Par ailleurs, elle souhaite faire un nouveau service proposé par orange : Orange money qui constitue un système de Mobile banking. Une activité prometteuse car il n’existe pas de distributeur sur les environs. Chaque transaction Orange money, elle gagnera une commission.
      Cependant, Fatim a accumulé des arrières de 12 mois de mensualité (15000 par mois) paiement sur le local qu’elle occupe soit 180 000. D’après elle la priorité était le remboursement du crédit de ZIdisha. C’est pourquoi, elle souhaite renforcer son activité d’où la demande de ce prêt qui sera à :
      - Paiement des retards de loyer : 18 000 ;
      - installation d’un compteur d’électricité : 46000 ;
      - carrelage du local : 24000 ;
      - approvisionnement en carte de crédit : 250 000.


  • mdenti     Sep 20, 2011

    Jenna Garchar and I, the current Zidisha interns here in Dakar, visited Fatim this past Friday. Because of her warm smile, we knew right when we saw her that she is an incredibly positive and endearing person. We were welcomed into her home where we sat and discussed how the loan has positively impacted her business and life. While there, we were able to meet some of her family members who are also very thankful for the loan that the lenders have been able to provide her with. She has used the loan to purchase greater quantities of both phone credit cards and cell phones. Fatim sells Expresso, Orange, and Tigo credit. After some time in her home she took us over to the nearby market where, with the help of the loan, she has purchased a small space to sell her products. In the future, Fatim would like to obtain electricity in her space in order to have a refrigerator to sell cold drinks. She explained that cold drinks are not easy to come by in Dakar and would be especially lucrative during the rainy (“hot”) season. She would also like to eventually tile her space and hopes to take another loan to achieve these goals.


  • cperkins     Mar 18, 2011

    Hello everyone, my name is Clarissa. I’m here with Allen in Dakar as Zidisha’s Senegal Client Relationship Managers. As Client Relationship Managers, we will help keep lenders informed about borrowers by visiting clients and posting pictures and stories.

    We met up with Fatim last week and spent the day visiting her family, clients, and checking out her new store. Fatim is an extremely energetic and charismatic woman. The entire day, she never stopped smiling, and introduced us to everyone we met.

    BUSINESS
    Her store is located in a newly constructed in-door market, and she is right down the hall from an expansive and vibrant fresh produce market where most of the vendors are her clients. She is continuing to sell Orange, Expresso and Tigo phone cards as well as Orange Money, which helps many clients transfer funds home to their families. She is also selling new Orange Kirène phone cards. These new cards give out prizes ranging from bonus phone credit to new cars and have been a hit with her clients. Orange money can now transfer 250,000 CFA, up from 100,000 CFA, with a transfer rate of 3%. Clients also come in for help using their phones and Fatim is always eager to assist them. Fatim is also re-sells a few products in her store like flashlights, which come in handy during the many power outages here in Dakar.

    FUTURE LOANS
    In the future, Fatim has ideas about tiling the floor of her shop and buying display cases in order to sell cell phones and other merchandise such as beauty products, and baking utensils. She does not have electricity in her shop yet, but is interested in adding it. However, to do that would cost 40,000 CFA (about $80).


  • Allen     Mar 18, 2011

    Hello Madam Zidisha, it's Fatim Sylla. It's been a while since I have written, because I lost my password and could not access my Zidisha account. I thank all the lenders who helped me to launch my business. My business is coming along well; I'm always in my boutique. But when I finish repaying my loan, I would like to buy my boutique (instead of renting), increase my inventory of prepaid cards and of Orange Money units.

    Translated by     Show original

    bonjour madame zidisha,c’est fatim sylla,cela fait un bail que je vous ai pas ecris c’est du au fait que je n’arrivais pas a ouvrir mon mot de passe.je remercie tous les bailleurs qui m’ont aider a monter mon activité.je me debrouille pas mal,je suis toujours dans ma boutique mais quand j’aurais finis de payer mon pret,j’aimerais acheter ma boutique,augmenter l’achat de mes cartes et des unités de valeur pour orangemoney.


  • Fatou Maïna Diallo     Jan 31, 2011

    Dear all, I would like to thank you once again for what you have done for us. Especially for me. I know that my repayments have been a bit late, but that is due to the fact that we have some difficulty recovering payments from the people who have purchased from us on credit and have trouble repaying, because of the recent succession of religious and cultural holidays. But we hope that this situation will improve and that we will be able to repay on time again as we used to. And we want to tell Zidisha to continue the work that it has begun in our country. The borrowers are learning how to work with Zidisha and will respect their engagements, except for occasionally when events escape their control.

    Translated by     Show original

    Bonjour tout le monde,
    Je viens vous remercier encore une fois pour tout ça que vous avez fait pour nous. Particulièrement moi. Je sais que j'ai un peu de retard sur les remboursements, mais cela est dû au fait que nous avons des difficultés pour recouvrer les sous qui sont chez des personnes qui ont pris nos marchandises et qui éprouvent des difficultés pour rembourser, à cause des successions d’évènements religieux et culturels. Mais nous espérons que cela va se stabiliser et que nous allons être régulière et reprendre les versements normalement.
    Mais nous voulons dire à Zidisha de continuer à faire le travail qu'il a entamé dans notre pays. Les bénéficiaires finiront par comprendre comment ça marche et vont respecter leur engagement, qui des fois, échappent à leur contrôle.


  • Amy Diagne     Jan 10, 2011

    I would like to thank you all again for what you have done for me. These days, I am 100% employed. I am truly very happy for the trust you have placed in me. Because finding funding long distance is very difficult. These days, I am timing the stocking of my merchandise so that their sales will correspond with my first repayment installment which is due in February. I am sure that I will do everything possible to not disappoint all the people who have placed their trust in me. I am especially touched by the fact that among the lenders, there are children to whom I repeat my thanks again and encourage them to continue in what they do. Thank you.

    Translated by     Show original

    Je viens encore vous remercier pour ce que vous avez fait pour moi. ces temps ci, je suis active à 100%.Vraiment, je suis très contente de la confiance que vous avez placé en moi. Car ce n'est pas évident de trouver des financements à distance. Ces jours ci, je suis entrain de faire des placements de marchandises qui vont correspondre avec la date de recouvrement pour mon premier versement qui est attendu au mois de Février.
    Je suis sûre que je vais tout faire pour ne pas décevoir toutes ces personnes qui ont eu confiance en moi.Je suis surtout émue du fait que parmi mes bailleurs, il y a des enfants à qui je renouvelle mes remerciements et encouragements à préserver dans ce qu'ils font.
    merci


  • smonroe     Nov 2, 2010

    Yesterday, Fatim invited me to the new store she bought using her Zidisha loan. Though much work still needs to be done, she hopes to move in to the store in the upcoming weeks. Photos of her store and the busy market she works in are attached below. Fatim would like to once again thank her lenders for investing in her phone credit enterprise.

    • smonroe     Nov 2, 2010

      Fatim showcasing her new store. Notice the mobile credit posters behind her - Fatim hopes to sell Orange credit, a new telecommunications project that enables money transfer via phone credit; Fatim hard at work; Fatim meeting potential new clients.


  • Fatim Sylla     Sep 21, 2010

    Hello dear friends, it's with an immense pleasure to address you all again with this post, especially to Mrs. Kurnia and her family.

    With regards to my business, it's going well. I'm starting little by little by selling Expresso prepaid cards that allow my clients to connect directly to the internet from their cell phones without going to an internet cafe. It's a new innovation, just like Orangemoney's service which allows clients to easily make payments and transfer money via secure text message via accounts on their cell phones.

    That's about it. I will make more interesting posts with photos of my store next time. Thank you all for your help, especially mendiros, though every lender as well so as not to forget anyone. See you guys in two weeks for another post.

    Translated by     Show original

    Bonjour mes chers amis;
    cest avec un immmense plaisir de vous retrouver encore que je vous adresse cet email;plus particulierement a madame kurnia et toute sa famille:en ce qui concerne mon activite ca va jai commence petit a petit avec les abonnements avec le service de telecommunication Expresso permettant aux clients de se connecter directement au niveau leur portable sans pour autant aller au cyber;cest une innovation tout comme le service orangemoney que les clients utilisent facilement pour lachat de credit tout en ouvrant eux aussi directement le compte au niveau de leur portable;bon voila en tout en attendant que je vous ,envoie d;autres commentaires beaucoup plus interessant et des photos en plus de ma boutique;merci pour votre aide et soutien mendiros;et tous les bailleurs sans oublier personne;rendewvous dans 15jours pour un autre commentaire


  • Fatim Sylla     Aug 30, 2010

    Hello lenders and friends,
    It's with great pleasure that I'm writing this post to tell you all that I received my loan on Tuesday, 24th of August 2010 at around 4:30 at the CBAO bank close to the airport.

    As my shop is currently going under renovations, I went out to buy and will resell "expresso subscriptions", phone cards that allow cell phones to access the internet whenever, without having to go and pay at an internet cafe. These cards are important for senegal because not only do they enable video calls, by connecting users to the internet and allowing them to read their messages whenever, it saves them the time and money they would be spending at an internet cafe.

    I will also use this loan to buy other products from other cell phone operators. All of these cell phone carriers compete against each other, which lowers prices for their clients. This is why I buy products from all three cell phone carriers to satisfy my clients. By selling these products in my neighborhood, I save my clients the time and money needed for transportation into Dakar to buy their coverage. Even with the arrival of Global Voice, an agency that supervises the operators and the new taxes on cell phone use, I dont think that will affect my work because every depends on the cell phone carriers.
    Thank you!

    Translated by     Show original

    bonjour chers bailleurs,amis
    c'est avec un immmense plaisir que je vous envoie cet email,pour vous dire que j,ai recu mon pret depuis le mardi 24 aout 2010 vers les coups de 16h40 a la cbao aeroport.comme le promoteur est entrain de terminer les travaux de la boutique,suis partie pour acheter des abonnements expresso un service telecom qui vend des puces internet qu'on mettent sur les portables pour pouvoir utiliser internet a temps disponible sans qu'on se deplace pour alller dans un cyber.c'est important au senegal parce que ca peut faire des appels videos,ca se connecte sur le net et c'est moins cher que les cybers, on peut lire les messages a tout moment, ca gagne du temps et on economise de l'argent. jacheterais d'autres produits des autres operateurs toujours dans le secteur telecomm,tous ces operateurs sont des concurrents qui font la bonne marche de la clientele,cause pour laquelle,je suis obligee d'acheter les produits des 3operateurs pour satisfaire nos clients, comme ca les cliehts gagneront du temps et de l'argent pour le transport, parceque je les vends a cote de chez eux. meme avec l'arrive de Global Voice, un agence de control des operateurs, et le nouveau taxe sur les prix des operateurs, je pense pas que ca affectera le travail parceque on depends des operateurs.
    Merci!


  • smonroe     Aug 23, 2010

    Photos Fatim Sylla receiving her loan at the office this morning. Thanks for the loans and for helping mobile credit take off in Senegal.


  • semfund     Aug 23, 2010

    Hello everyone. I am very proud of you for all you have done for these clients seeking loans. I thank you for the confidence you have in them and especially for the support you have given them. You have allowed people to earn an honest living by pursuing a profitable enterprise, which will allow them to provide for the needs of their family. It is very noble of you to have to helped some the planet's poorest. Once again, thank you.

    Translated by     Show original

    Bonjour tout le monde.
    Je suis très fier de vous pour ce que vous avez fait avec les clients qui demandent un prêt. Je vous remercie pour la confiance que vous avez en eux et surtout pour leur l'appui que vous leur avez apporter. vous avez permis à des personnes de gagner honnetement leur vie en ayant une activité génératrice de revenus, qui va leur permettre de subvenir aux besoins de leur famille. C'est un acte très noble que vous venez de poser pour aider les plus pauvres de la planète.Encore une fois merci.


  • Fatim Sylla     Aug 23, 2010

    Hello dear lenders and friends,
    It's with great joy that I send you this message of total thanks for all of the help you have provided me for my Orangemoney project of telecommunication. Huge thanks to Madame Kurnia who consistently supported me since I received my first email from Zidisha. God willing I will repay this financing so I can ultimately receive another loan from Zidisha and continue working forever!!!

    Translated by     Show original

    bonjour chers bailleurs,amis
    c'est avec un immense plaisir que je vous adresse ce message de remerciement total envers vous de l'aide que vous m'avez apporter pour mon projet orangemoney en telecommunication.grand merci pour madame kurnia qui n'a cesse de me suivre depuis que vous avez recu mon premier email.


  • semfund     Jul 20, 2010

    I see that Fatim's financing is moving rapidly. It gives me pleasure to see that people are interested in Fatim's activities. I encourage you to help her.

    Translated by     Show original

    Je vois que le financement de Fatim avance à grand pas. Cela me fait plaisir de voir que les personnes sont intéressées à ce que Fatim commence à s'activer. Je vous encourage à l'aider.


  • semfund     Jun 22, 2010

    I am glad to see that people are interested in Fatim's activities and are helping her to find financing. I would like to thank all of you for this, because I see that her application is progressing well toward being funded. Indeed, I thank all lenders who are making commendable efforts to help disadvantaged women access the capital they need to earn a living from their own choice of business. Thanks again to everyone.

    (This is a translation of the below comment, posted by the SEM Fund microfinance organization in Dakar, Senegal)

    Je suis content de constater que les personnes sont intéressées les activités de Fatym et sont entrain de trouver des financement pour elle. Je remercie tout le monde pour cela, car je vois que cela avance bien. En Fait je remercie tous les prêteurs qui viennent faire des efforts très louables pour aider de pauvres femmes à trouver des financements pour s'adonner à leur activité désirée. Encore merci à tout le monde.


  • mackmcconnell     Jun 18, 2010

    Hey, everybody. My name is Mack. I’m here in the Dakar region of Senegal as Zidisha’s Africa-based Client Relationship Manager. I have been familiar with Zidisha for some time now and wanted to see what the organization is all about from the borrower perspective.

    I have been meeting with Zidisha’s clients to understand their stories and help them connect with our lenders. Also, I’ll also be adding new entrepreneurs to the site as time goes on.

    As you know, Zidisha’s model works best when there’s a direct dialogue between borrower and lender – I’m here to encourage this! In the meantime, I’ll be posting stories, photos/videos about their businesses and everyday lives to help bring them a little closer to you.

    If anyone wants to get a hold of me directly – questions/comments or otherwise – feel free to email me: mack@zidisha.org

    • mackmcconnell     Jun 18, 2010

      I caught up with Fatim last week in her neighborhood market and got to spend the afternoon meeting her family and clients. In her line of work, she constantly meets new people and maintains old relationships. For her, however, it’s hardly work. She seems like some sort of local celebrity. It’s easy to tell that she loves to catch up with all of her clients and friends throughout the neighborhood. I was honored to be introduced as her friend as I met her neighborhood friends and clients.

      She is very open about her past marriage which ended on a bad note. Like many women in Senegal, her husband forbade her from making her own money and encouraged a more “traditional” role for her. She successfully divorced him, supports her family of 8 (including a 94-year old grandmother!) and has an outlet for her ambition.

      BUSINESS

      She works for Tigo and Orange, two large cell phone service providers here in Senegal. She sells pay-as-you-go phone credit, which is how most of the Senegalese pay for cell service. Her brother, who owns a local convenience store allows Fatim to stand near his door, a high-traffic area, to sell her cards.

      Spending the afternoon with her was a real lesson in customer service – treating them well is her number one priority. Especially in the phone-card business that has a lot of repeat purchases, this is very important. Her newest project proves her ability to look into the future and predict trends.

      FUTURE LOANS

      Madame Sylla has caught onto a promising technology through her affiliation with the service provider Orange. Orange Money, allows people to transfer money to one another through text messages. This technology has proven to be successful in other African countries (like the M-PESA system in Kenya) and Sylla expects the same reception here in Senegal. Because she has a strong relationship with Orange, she is in a fantastic position to exploit this opportunity.

      Similar to how she supports so many members of her family at her home, she sees Orange Money as a tool to allow people to help others. For example, Orange Money would allow people who work in Dakar, where work is more available, to support family members in rural villages where money is more scarce. This is something you see often, according to Fatim.

      In order to begin selling this service, she needs to have a more traditional retail space. Selling Orange Money credit requires having access to a computer terminal and other things she can’t use if she continues to sell in the doorway of her brother’s store. She understands that this product will be big for the Senegalese market and she wants to serve her clients the best she can.

      • Daniel     Jun 18, 2010

        Hi Mack, thanks for all your updates. I didn't know Senegal was getting a mobile banking service -- that's terrific, and if Kenya is a guide, Fatim should have plenty more customers from this. For a really interesting description of the impact of mobile banking, take a look here: http://blogs.cgdev.org/open_book/2010/05/make-new-currenciesbut-keep-the-oldone-is-silverand-the-other-gold.php

        Keep up the good work. Daniel


  • semfund     Jun 15, 2010

    Some photos of Madame Sylla:

    Des photos de Madame Sylla:

    • t     Jan 24, 2012

      Keep up the good work Sylla!


  • semfund     Jun 14, 2010

Summary
Amount Repaid: $328.36
Amount Remaining: $498.49
Expected Completion: Dec 8, 2013
Status: Repaying Late
Installment Amount: $57.48

Repayment History
Expected Payments Actual Payments
Apr 8, 2012 $57.48 May 8, 2012 $57.48
May 8, 2012 $57.48
Jul 12, 2012 $57.48
Jun 8, 2012 $0.00
Jul 8, 2012 $0.00
Aug 8, 2012 $0.00
Sep 8, 2012 $57.48 Oct 9, 2012 $40.94
Jan 8, 2013 $16.54
Oct 8, 2012 $40.94 Jan 8, 2013 $40.94
Nov 8, 2012 $0.00
Dec 8, 2012 $0.00
Jan 8, 2013 $0.00
Feb 8, 2013 $57.48 Mar 12, 2013 $57.48
Mar 8, 2013 $57.48 Apr 29, 2013 $57.48
Apr 8, 2013 $57.48
May 8, 2013 $57.48
Jun 8, 2013 $57.48
Jul 8, 2013 $57.48
Aug 8, 2013 $57.48
Sep 8, 2013 $57.48
Oct 8, 2013 $57.48
Nov 8, 2013 $57.48
Dec 8, 2013 $38.61

Fatim Sylla
Dakar, Senegal

40% Repaid