Ibrahim Hamed Ghaissa

Niamey, Niger

3% repaid

Entrepreneur

Name

Ibrahim Hamed Ghaissa

Member since

March 2013

On-time repayments

11 installments  •  0%

About Me

I am from a traditional Inadan chief's family from Abalak, department of Abalak in the region of Tahoua. I am from a tradition of artisans. My education is limited to primary school. For many reasons I was pushed to begin business because I am in charge of my whole family, that is to say my own family, my parents, brothers and sisters. I am the father of 3 childrenw ho are two daughters and one son. I pay school fees for my daughters, I pay my rent and water and electricity, food and clothing and also medications for myself and my wife and my children. I buy also the primary material for my work, that is to say, silver. I also pay for a taxi every day.

My Business

My business is an artisan workshop. I make modern Touareg jewelry. Each type has many examples. For example, earrings are in three types: those with a stone, those with ebony wood, and those with only metal. The same thing holds true for bracelets and necklaces. The talent with which one works is shown most importantly by new creations. Customers prefer my jewelry simply because they are different from others' jewelry even though I use the same jewels and materials I create new and different creations. The profitability is due to the fact that there are new creations and the customers prefer something a little bit new. There are no risks because I work carefully and in an organized way. The monthly costs are different each month. Earnings also differ by season: for example the tourist season and Christmas season when everyone gives gifts... during these seasons orders increase by 50%. But retaining the profits and revenue is dependent on the quality of work offered.

Loan Proposal

I will buy a half kilogram of pure silver for 200000 FCFA. I will make bracelets, rings, earrings, and necklaces. In all mixed catogories for a total of 70 pieces: 20 earrings, 15 different necklaces, 20 rings and 15 bracelets. At a medium price I will gain 500000 FCFA. This loan will help me to grow my business.

Show original Français  

About Me

JE SUIS ISSU D'UNE FAMILLE CHEFFERIE TRADITIONNEL INADAN D'ABALAK DEPARTEMENT D'ABALAK DANS LA REGION DE TAHOUA. JE SUIS ARTISAN D'ORIGINE. MON CONTEXTE EDUCATIONNEL S'EST LIMITER A L'ECOLE PRIMAIRE. BEAUCOUP DES RAISONS M'ONT POUSSER A DEMARRER UN COMMERCE DONT ENTRE AUTRE LA PRISE EN CHARGE DE TOUTE MA FAMILLE C'EST A DIRE MA PROPRE FAMILLE ET MES PARENTS FRERES ET SOEURS. JE SUIS PERE DE 3 ENFANTS DONT 2 FILLES ET 1 GARCON. JE PAYE LES FRAIS SCOLAIRES POUR LES FILLES : JE PAYE MON LOYER ET LES FACTURES EAU ET ELECTRICITE: LA NOURRITURE ET LES HABITS MAIS AUSSI LES MEDICAMENTS POUR MOI MEME ET MA FEMME ENSUITE POUR LES ENFANTS. J'ACHETE EGALEMENT LA MATIERE PREMIERE POUR MON TRAVAIL CE A DIRE L'ARGENT METAL. JE PAYE AUSSI LES FRAIS DE TAXI CHAQUE JOUR.

My Business

MON ENTREPRISE EST UN ATELIER ARTISANAL. J'Y FABRIQUE LES BIJOUX TOUAREGUE MODERNE. CHAQUE CATEGORIE EST COMPOSER DE PLUSIEURS MODELES. EXEMPLE LES BOUCLES D'OREILLES SONT REPARTI EN 3 GROUPES: CELLES AVEC UNE PIERRE: CELLES AVEC BOIS EBENE ET CELLES EN METAL SEULEMENT. MEME CHOSE POUR LES BRACELETS ET LES COLLIERS. LA DEMANDE S'EXPLIQUE TOUT SIMPLEMENT A LA MANIERE TALENTIER AVEC LAQUELLE LE TRAVAIL EST BATTU ET ENCORE LE PLUS IMPORTANT SURTOUT LES NOUVELLES CREATIONS. LES CLIENTS PREFERENT MES BIJOUX TOUT SIMPLEMENT PARCE QUE ILS DIFFERENT DES AUTRES BIJOUX DE LA CONCURRENCE CAR LA CONCURRENCE FAIT LES MEMES BIJOUX PAS DE CHANGEMENT ALORS QUE MOI JE CREE DES NOUVELLES CREATIONS DIFFERENTES. LA RENTABILITE ELLE EST DUE A LA CREATION DES NOUVELLES CREATIONS CAR LES CLIENTS PREFERENT UN PEU DU NOUVEAU. PAS DES RISQUES CAR JE FAIT UN TRAVAIL CALCULE ET ORGANISER. LES COUTS MENSUELS DIFFERENT D'UN MOIS A L'AUTRE. LES REVENUS DE VENTES SONT BASES AUSSI D'UNE SAISON A L'AUTRE: PAR EXEMPLE LA SAISON TOURISTIQUE ET LA SAISON DU NOEL OU TOUT LE MONDE VEUT OFFRIR UN CADEAU.. PENDANT CES SAISONS LES BENEFICES VONT DE L'ORDRE DE PLUS DE 50 POURCENT. MAIS RETENEZ QUE CES BENEFICES ET REVENUS SONT DUS A LA QUALITE DU TRAVAIL OFFERT

Loan Proposal

J'ACHETERAIS UN DEMI KILOGRAMME DE L'ARGENT PUR COUTANT 200000FCFA. JE FABRIQUERAIS LES BRACELETS: LES BAGUES: LES BOUCLES D'OREILLES ET LES COLLIERS. TOUTES CATEGORIES CONFONDUES JE FABRIQUERAIS AU TOTAL 70 PIECES DONT 20 BOUCLES: 15 COLLIERS DIFFERENTS: 20 BAGUES ET 15 BRACELETS. A UN PRIX MOYEN JE GAGNERAIS 500000FCFA. CE PRET ME PERMETTRA DE GRANDIR MON COMMERCE

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Loan Info

Project Type

Classic Loan

Disbursed amount

$498.86

Date disbursed

May 3, 2013

Repayment status

Late

Projected term

12 months

Cost to entrepreneur

Lender interest: $498.86 at 9.65% annual rate over 12 months = $49.08

Service fee: $25.43

Lenders

V

vidarlil

Sandefjord, Norway

EricDWalters

Rochester, Mn, Usa, United States

investor

Candiac, Canada

B

Bavarian

Bavaria, Germany

C

chrisherron

Chicago, United States

L

ldworld

Idaho, United States

danielytao

Boston, United States

Sverre

Bergen, Norway

K

knight79

Möhlin, Switzerland

M

Mav0224

Bellevue, United States

I

IanPate

Victoria, Canada

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