klunpa01    Feb 20, 2014

Dear Lenders,

I am writing to let you know that we are working on following up with Mr. Ndiaye regarding his late payments. We have made contact and Mr. Ndiaye thinks he will be able to make a payment soon. Thank you for your patience regarding our working with him!

Sincerely,
Paige
Senegal Liaison Intern

• mewesten    Feb 20, 2014

  Thank you, Paige. That's really good news. Hope Mr. Ndiaye is doing well. Seems like a nice guy, and would be great to see him succeed..

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mewesten    Dec 10, 2013

Bonjour M. Ndiaye,
Félicitations! Votre premier versement est arrivé aujourd'hui.

J'ai une question si cela ne vous dérange pas. Qu'est-ce que votre entreprise implique?
Je voudrais profiter de vous entendre.
Merci, et bonne chance.
Marvin
----------------------------
Hello Mr Ndiaye,
Congratulations! Your first loan payment arrived today.
I have a question if you don't mind. What does your business entail?
I would enjoy hearing from you.
Thank you, and good luck.
Marvin

klunpa01    Nov 6, 2013

Dear Lenders,

I am writing to inform you that there was an error with the repayment calendar of Mr. Ndiaye. The transaction for October 14, 2013 was entered erroneously and will be removed from his repayment calendar. You will see the subsequent amount removed from your lender credit. Thank you so much for your patience, and your continued support of Zidisha's mission!

Sincerely,
Paige

mewesten    Sep 23, 2013

Dear Mr Ndiaye,
Can you describe more about the "agricultural micro-enterprise"?
Do you have a reliable source of funds for replaying the loan?

I would like to have more information so that I can increase the loan amount.
Thank you.
--
Monsieur Ndiaye,
Pouvez-vous décrire plus sur la «micro-entreprise agricole»?
Avez-vous une source fiable de fonds pour rejouer le prêt?

Je voudrais avoir plus d'informations pour que je puisse augmenter le montant du prêt.
Je vous remercie.

• Greg1    Sep 25, 2013

  Mewestern- Mr Ndiaye's previous loan was for rearing chickens for resale (more info on previous loan page) this looks like it's the meaning of agricultural micro-enterprise here.
  ---
  C'est pour élevage de poulets :)

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  • mewesten    Sep 25, 2013

    Thanks Greg -- appreciate the info.
    It's hard to get most borrowers to respond with numbers, a plan, etc. It truly is faith-based lending.

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  • mewesten    Sep 25, 2013

    Thanks Greg -- appreciate the info and good of you to respond.
    It's hard to get most borrowers to respond with numbers, a plan, etc. It truly is faith-based lending.

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    • Greg1    Sep 25, 2013

      me-westen: I would post this on the forum but my account doesn't work there. Nothing below relates to or is intended as a comment on Mr Ndiaye's loan which I am happy to support but is a response to mewesten's comments:
      
      I've just had a borrower give some very detailed info. It came out something like this below I've removed the figures for privacy reasons but I was amazed at how detailed! I know some lenders are happy just to lend and that's fine, but like you I think seeing the numbers would encourage me to loan more, if nothing else giving me confidence a borrower has a grip on his business
      
      What I received below - wow!:
      Sales revenue
      
      The total cash that I do get weekly from my business is ksh
      
      The sales with future payment weekly is ksh
      
      Other income include sales of empty bags and some waste to farmers for their animals amounting -ksh
      
      Cost of sales
      The weekly purchase of stock is - ksh
      
      Wages monthly is - ksh that include me and my helper -ksh
      Monthly overhead expenses (were broken down into)
      Loan repayment, Transport and travel expenses, Power /electricity, rent, telephone /internet, fees, other expenses
      (NB Numbers removed, Net Profit wasn't calculated but was very easy to work out)

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      • mewesten    Sep 25, 2013

        Hi Greg - Agreed, good info you received. Some aren't capable of doing that for reasons of education, etc, and that's ok. I would have completed Mr Ndiaye's loan if he provided some basic info.
        I encourage you to join the Forum - it's a separate account and login you establish. Good discussions such as this and more.

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Amadou Lamine    Jul 16, 2012

Hello, this is Lamine. I was just logged on to review my account. Good night to you all.

Translated by     Show original

Slt c lamine je passais revoir mon compte alrs juste un bon soir a vous

Amadou Lamine    Jul 13, 2012

Thank you for granting me this loan. I work in the breeding field. I have a marine product business and I hope to move forward with this sum that I will refund. I have had clients for smoked fish and this kind of products for almost a year.

Translated by     Show original

je vous remercie de m avoir accorder ce pret Moi je suis dans le domaine de de l elevage je fais du commerce de produit de mere et jespere allez en avant avec cette somme que je rembourcerais Jai de clients pour les poissons fumes des produits dece genre depuis un an presque