Soda

Dakar, Senegal

44% repaid

Entrepreneur

Name

Soda

Member since

August 2010

On-time repayments

23 installments  •  4%

About Me

My name is Soda Ndiaye. I am Senegalese, 25 and live in Dakar. I am a self-employed retailer at Point E (a district in Dakar). I sell cosmetic products and artistic clothes. Specifically, I sell Batik shirts and dresses (Batik is a traditional dieing method used in Senegal). I work with Batik artists from the Casamance (a southern region in Senegal). I also sell soaps. In partnership with women who makes soaps, I sell soaps with carrot, carite (a sweet smelling sap from a local tree) and honey fragrances. With the goal of helping my family, especially my mother, I hope to develop my business, especially in regards to selling my art, which will be quite profitable this summer during the tourist season and will allow me to open my own boutique one day.

My Business

Though selling art and cosmetic products in Senegal is quite profitable, my means of doing so is quite limited. I occasionally make loans to raise money for my merchandise.. I lend out my goods to bureaucrats, and take them back at the end of the month, unless they want to buy it. With the aim of helping my family, especially my mother, I hope to develop my business by selling Art, which during this period, sell very well, but because of a lack of means, I am using Zidisha to solicit a loan of 450 000 CFA to buy art merchandises. With this loan I could buy artistic dresses, table cloths, shoes and leather bags.

Loan Proposal

I hope to use this loan develop my business, especially towards Art sales, which sell incredibly well during the summer tourist season. However, because of a lack of resources, I am soliciting a loan of 450 000 F CFA from Zidisha to supply my products. With this loan I will procure artistic dresses, tablecloths, shoes and leather purses.

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About Me

Je suis Sénégalaise de nationalité j’ai 25 ans je vie à Dakar mon nom est SODA NDIAYE Commerçante autonome au Point E. je vends des produits cosmétiques, des vêtements artistiques. Je vends des batiks, chemises et robes. Je travaille avec des artistes a la Casamance. Je vends les savons aussi, je suis partenaire avec des femmes qui travaillent le savon a base de carrot, de carite (comme du buerre, la grece, sa sent bon), les savons de miel. En vue d’aider ma famille plus particulièrement ma mère je tiens à développer mon commerce surtout, sur les ventes d’Art qui pourront me permettre dans cette été de récolter beaucoup de profit avec les touristes enfin d’ouvrir une boutique dans le futur.

My Business

En effet la vente d’art et produits cosmétiques au Sénégal est une activité très rentable. Mais étant donné que mes moins sont limité, il m’arrive à faire de prêt de part et d’autre pour m’acheter de la marchandise.

Que en suite je place dans les structures formelles comme les vendre au bureaucrate, au fonctionnaire qui à la fin du moi me paye.
En vue d’aider ma famille plus particulièrement ma mère je tiens à développer mon commerce surtout, sur les ventes d’Art qui durant cette période marche très bien, mais faute de mois raison pour laquelle je viens au préparer de vous (ZIDISHA) solliciter un prêt de 450 000 F CFA pour m’approvisionner en marchandises. Avec ce prêt je pourrai me procurer des robe artistiques, des Nappe de table, Chaussures, Sacs en Cuire……..ETC.

Loan Proposal

En vue d’aider ma famille plus particulièrement ma mère je tiens à développer mon commerce surtout, sur les ventes d’Art qui durant cette période marche très bien, mais faute de mois raison pour laquelle je viens au préparer de vous (ZIDISHA) solliciter un prêt de 350 000 F CFA pour m’approvisionner en marchandises.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$691.00

Date disbursed

Nov 24, 2010

Repayment status

Late

Projected term

28 months

Lenders

Julia Kurnia

Sterling, Virginia, United States

Wiseclerk

Remagen, Germany

P

Per

Randers, Denmark

A

Anninymouse

Southampton, United Kingdom

X

xander

Plainfield, Vermont, United States

C

cooperowl

Austin, Texas, United States

neffe

Berlin, Germany

K

Katpjotr

Sint-Maria-Oudenhove, Belgium

B

bodilwDK

Brabrand, Denmark

F

fabian85

Uppsala, Sweden

Dunmail

United Kingdom

R

rurumm

Muenchen, Germany

B

Beckford

-, Germany

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

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  • Julia Kurnia    May 24, 2012

    Dear lenders,

    I would like to provide a summary of Madame Ndiaye's situation, and the reason she has fallen behind in repaying her loan.

    Madame Ndiaye received her loan of $691 in November 2010, and used it to increase the inventory of household decor and clothing accessories which she sold from a small shop in Dakar. When her loan was 38% repaid, her shop was demolished to make way for new construction, and she was forced to resort to making sales door to door. This resulted in a substantial reduction in income. I visited Madame Ndiaye during a trip to Senegal in March of this year. She is a single mother still in her twenties, and lives with her mother. Her oldest daughter had to leave the private school she had previously attended due to lack of money for tuition. Madame Ndiaye is responsible for supporting her children as well as her mother, and she has not managed to make any loan repayments in over a year.

    We have remained in constant communication with Madame Ndiaye throughout this period, and she has also posted frequent comments which you may view on her loan profile page.

    Should you have any questions or comments, please do not hesitate to contact me.

    Regards,

    Julia Kurnia
    Director, Zidisha Inc.
    [email protected]

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  • Soda    Mar 6, 2012

    hi julia i saw your message thank you

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  • Soda    Mar 4, 2012

    Hi Julia, this is Soda. I hope you have received my message.

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  • Soda    Mar 3, 2012

    Hi Julia, I was contacted by Mrs. Gueuye and she informed me of the gravity of my reimbursement problem. Please give me until March 10th so I can depose the money. If the money is not there by the 10th of Marsh you can take any measures and I will respect them. Thank you for your understanding.

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  • Soda    Dec 30, 2011

    Greetings to Julia and to all other Zidisha lenders,

    I thank you for your understanding, and I pray to God that He will help me with this last chance at repayment.

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  • Soda    Dec 30, 2011

    bonjour julia et bonjour a tous les bailleurs de zidisha je vous remercie de votre comprehention et je pris dieux pour qu il m aide sur cette derniere chance de payement

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  • Soda    Dec 25, 2011

    Good afternoon Julia, it's Soda. I am still having problems because I do not yet have a retail location and my business is not stable, and I am still having problems in that my children have not yet been able to attend school because we do not have enough money. I am living with my mother who is supporting me. I truly desire to repay my loan in order to have a clear conscience because I had a lot of trouble communicating when you called me [due to poor quality phone connection]. I have a great deal of respect for you and the lenders, therefore I am requesting a repayment schedule which will allow me to pay CFA 10,000 per month starting in January, because I have financial difficulties. Please grant me this, and thank you for your understanding, thanks.

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  • Soda    Dec 25, 2011

    bonsoir julia c soda j ai toujours des problemes parceque je suis toujours en delocalisasion mon travail n est pas estable et j ai toujours des problemes puisque mes enfants ne sont toujours pas aller a l ecole par manque de moyens je vie avec ma maman qui me soutien j aimerai vraiment vous payer pour avoir la concience trenquille parceque j ai tros de peine pour communiquer avec vous quand vous m appelez j ai beaucoup de respect pour vous julia avec vos bailleurs raisons pour la quelle je vous suplis de me faire un calendrier du mois de janvier pour juste 10000f cfa par mois car jai des probleme financier s il vous plait de grace merci de votre comprehention merci

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  • Soda    Dec 25, 2011

    bonsoir julia c soda j ai toujours des problemes parceque je suis toujours en delocalisasion mon travail n est pas estable et j ai toujours des problemes puisque mes enfants ne sont toujours pas aller a l ecole par manque de moyens je vie avec ma maman qui me soutien j aimerai vraiment vous payer pour avoir la concience trenquille parceque j ai tros de peine pour communiquer avec vous quand vous m appelez j ai beaucoup de respect pour vous julia avec vos bailleurs raisons pour la quelle je vous suplis de me faire un calendrier du mois de janvier pour juste 10000f cfa par mois car jai des probleme financier s il vous plait de grace merci de votre comprehention merci

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  • Soda    Dec 15, 2011

    Hello Julia, I send my greetings to you and to all other Zidisha members. I have not yet seen a response [to my previous posting]. Thanks, Soda

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  • Soda    Dec 14, 2011

    Greetings to Julia and to all other Zidisha lenders, I am still having difficulties with my business, and my financial situation is not yet stable. For this reason, I would like to request a new repayment schedule to begin in January. Thanks for your understanding, Soda

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  • Soda    Dec 14, 2011

    bonsoir julia je vous demande de me faire un nouveaux calendrier qui commence au moi de janvier merci de votre comprehention soda

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  • Soda    Dec 14, 2011

    Good evening Julia, I would like to request a new repayment schedule to begin in January. Thanks for your understanding, Soda

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  • Soda    Dec 14, 2011

    bonsoir julia je vous demande de me faire un nouveaux calendrier qui commence au moi de janvier merci de votre comprehention soda

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  • Soda    Dec 14, 2011

    bonsoir julia je vous demande de me faire un nouveaux calendrier qui commence au moi de janvier merci de votre comprehention soda

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  • Soda    Oct 21, 2011

    Greetings to Julia and to all other Zidisha lenders,

    Here in Senegal we are fast approaching the Eid Al-Adha holiday. I'm at the market in Dakar, where I am selling shoes for the holiday. I wanted to let you know that that has been my main business activity recently. I would like to take some pictures for you and post them here.

    I'd be most appreciative if you would like to respond to this note. Please accept my sincere best wishes.

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  • Soda    Oct 9, 2011

    Greetings to Julia and to all Zidisha lenders,

    I'd like to announce that I'm working hard to bring my business to the next level, and am researching possibilities for a new locale where I'll be able to display my goods. This will allow me to catch up with all my plans, especially repayment of my loan. I'm going to do even the impossible to stay up to date with my repayments.

    I wish all of you health of iron and lots of happiness. Thank you for your understanding, and thank you for everything,

    Sod Art Original Company, promoting development and love

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  • Soda    Oct 3, 2011

    Hello to Julia and all Zidisha lenders,

    I am happy with this new repayment schedule.

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  • Soda    Oct 1, 2011

    Greetings to all Zidisha lenders,

    I apologize for the delay in repaying my loan. I am no longer able to sell merchandise at my former store location, because I was evicted due to new construction at the site, and I am responsible for feeding my two children without assistance from anyone. I have now been selling my goods door to door for the past eight months. I used the funds from my loan to order merchandise from Italy, and to this day I have not received it. Due to my difficult financial situation, I have not been able to pay rent. Thank you for your understanding in accepting the modification in my repayment schedule.

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  • Soda    Sep 20, 2011

    Greetings Zidisha,

    Greetings Julia Kurnia,

    Hello to all Zidisha lenders,

    I wish all the best fortune to you for your generosity and your understanding. I'd like to let you know that it has now been a year since I was evicted from my store location, and for one year now I have been selling my merchandise door to door, with a difficult family situation because I am divorced with two children to support without assistance from anyone, and moreover with the difficult environment in our country at the moment, when there is a good deal of construction. I would like to ask you to kindly grant me a new repayment schedule, because I have fallen far behind in my repayments, but I hope with all my heart to get back on my feet and start anew.

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