Senegal



Entrepreneur
Fatim Sylla
Dakar, Senegal
Followers: 14
Feedback Rating: 100 % Positive (4)
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On-Time Repayments: 35% (34)
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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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Cost of this loan

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,


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Fatim Sylla
Dakar, Senegal

40% Repaid