Ngone

Dakar, Senegal

Funds disbursed

$0 to go

100% funded of $396 goal

0

days left

Entrepreneur

Name

Ngone

Member since

October 2012

On-time repayments

17 installments  •  0%

About Me

I am a mother with underage children, i am a businesswoman. I sell art pieces, necklaces, African loincloth and beading that only very few people can craft. Once I receive financing, I will be able to buy beads and fabric in big quantities to make art that I will be able to resell at higher prices. I purchase beads that I use to make necklaces and bracelets to resell them to businesses who are interested or foreign people who wish to export abroad to sell them to tourists in their country of destination.

My Business

I am at the market with mostly Chinese people who sell products coming from their country. I have been buying beads that I craft as necklaces and bracelets. I have orders coming from everywhere. I am in contact with Zidisha to expand my business and become financially autonomous. It would allow me to make purchases without borrowing money from people in the square and having to refund big amounts later.

Loan Proposal

With the Zidisha loan, I could increase my field of activities in purchasing more trinkets that I will sell to people who trust me and who are willing to make large orders that I am not able to manage. I'm counting on the people of Zidisha who are touched by our requests and who are always ready to join us on our quests for financing.

Show original Français  

About Me

Mère de famille en ménage avec en charge des enfants pas encore majeurs, je suis commerçante vendeuse d’objets d’arts dont colliers, pagne africaines et perleuse surtout dont un nombre restreint de femmes peuvent le faire.
Une fois ce financement reçu, j’aurai les possibilités de pouvoir acheter en grande quantité des perles et tissus pour pouvoir en faire des arts qui me sont innées et de pouvoir les revendre plus couteux. J’achète des perles que je confectionne des colliers et des bracelets pour les revendre aux autres commerçants qui en font la demande ou à d’autres personnes étrangères qui préfèrent les exporter à l’étranger pour pouvoir les revendre aux touristes de leur pays de destination.

My Business

Je suis au marché ou les chinois occupent en grande partie les lieux avec leur produit provenant de leur pays. En ce moment même j’achète des bijoux perles dont je refais à ma guise sous forme de colliers et bracelets et ou des commandes me proviennent de partout.je suis entrain en contact de Zidisha pour fructifier mon commerce et voulant avoir une autonomie financière me permettant de pouvoir faire mes achats sans emprunter les gens qui sont sur place et ou vous les payer en revanche des sommes colossales avant de quitter les lieux et à chaque fois de besoin

Loan Proposal

une fois le pret au sein de zidisha,je pourrais aggrandir mes champs d'activites en achetant davantage des bijoux que je vendrais aux personnes qui ont confianace en moi et qui sont disposees à faire de grandes commandes que je ne parvenais pas à satisfaire.je compte sur les personnes de zidisha qui sont tres touchees par nos demandes et qui sont toujours prets à nous accompaagner sur nos quetes de financemnst.
Merci

Feedback

None

None

None

Loan Info

Project Type

Classic Loan

Disbursed amount

$396.00

Date disbursed

Jan 21, 2013

Repayment status

Late

Projected term

18 months

Lenders

Hope2012

United Kingdom

C

catootje

Zoetermeer, Netherlands

TheWhiteCat

Surrey, United Kingdom

M

MattLondon

London, United Kingdom

O

OneSummer

Muenster/Westphalia, Germany

nelson637

Greenbrae, California, United States

fcjapan

Osaka, Japan

Sundstroms

Falun, Sweden

M

missjoyy

Munich, Germany

Creole1

Mobile, Alabama, United States

K

karinlinh

Cologne, Germany

Ask Ngone 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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  • TheWhiteCat    Mar 5, 2014

    Hi, Any ideas what may have happened here?

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    • Samira    Mar 12, 2014

      this is bad.the kind of borrowers that make lenders stop supporting the rest of us..especially new members loose a lot because of this

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  • Ngone    May 9, 2013

    depuis que j'ai recu mon pret aupres de zidisha, j'eyais tombée gravement malade cause pour laquelle je ne pouvais mener aucune aucune activite commerciale ou autres.j'ai eu a cheter des medicaments et en plus de cela, l'hospitalisation m'a couté un peu chere de sorte que je ne pourais pas payer ou commencer à rembourser ce que j'avais eu à prendre aupres de zidisha.je pense pouvoir commencer à repayer dans les mois à venir du fait que le docteur m'a prescrit de ne pas bouger pour une bonne sante et guerison.

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    • Hope2012    May 10, 2013

      Pas de problem pour moi s'il y a un peu de delai - Je vous souhaite un prompt rétablissement

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  • Ngone    May 9, 2013

    depuis le mois que j'ai eu à recevoir mon prêt , j’étais tombée malade de sorte que je ne pouvais faire aucune activités aussi bien commerciales qu'autres.Tout ce que j'avais reçu içi a été reversée dans les hôpitaux pour mon hospitalisation et les frais sanitaire Comme je suis mère de famille sans soutien financier, je ne pourrais en ce moment faire aucune activités du fait de mon rétablissement et le docteur m'a ordonné de ne pas faire d'activités pour préserver une bonne forme sanitaire..

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  • nelson637    Jan 24, 2013

    Not sure if I'm reading this correctly, but has Ngone repaid most of her loan already? She just received it a few days ago?

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    • fcjapan    Jan 24, 2013

      Looks like it.
      Mistake?
      In order to apply for a larger loan now?

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      • nelson637    Jan 24, 2013

        Perhaps. Maybe Ngone can clarify. In meantime, I've emailed Zidisha to ask if they know why.

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        • Hope2012    Jan 25, 2013

          Have emailed them too. Mme Gningue hasn't posted to say she received her loan either. Bit odd.

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          • Ngone    Jan 25, 2013

            Dear sir, i just received my loan since three days ago.i think that this late transaction is the fact there is a change of bank. i have received my loan from ecobank.
            thank you to follow me and to give me and help in order i received my loan.

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  • Ngone    Dec 28, 2012

    hello

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  • Ngone    Dec 28, 2012

    hello

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  • Hope2012    Dec 12, 2012

    Congratulations on your loan funding
    A lot of people sell their handmade goods here
    www.etsy.com/

    Wishing you perfect health and good sales :)

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    • Ngone    Dec 12, 2012

      thank you very much and happy to read you again,so i want to come one day in usa to take part in one exposition permitt me to sell all my marchandise
      best wishes

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    • Ngone    Jan 11, 2013

      hello very happy to hear you and the fact you follow me.So until now i have not received any fund from zidisha and i dont know Why
      I wait for the personal of zidisha call me to give me my fund:
      thank you again to see my situation

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      • Hope2012    Jan 11, 2013

        I am very sorry to hear that and also quite surprised as normally it only takes a week. I will send the zidisha staff a message today. That must be very frustrating . Bear with us

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        • Ngone    Jan 11, 2013

          Ok and very hapapy you help me in order i received my loan.I thank you very much you occupy yourself from my situation
          waiting for thier reaction

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          • Hope2012    Jan 11, 2013

            I have sent them a personal email to ask them what has happened and to send the funds to you ASAP. I will check back tomorrow . Best wishes

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            • Ngone    Jan 12, 2013

              thank yhou very much for your availability between my person.

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            • Ngone    Jan 12, 2013

              thank yhou very much for your availability between my person.

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              • Hope2012    Jan 14, 2013

                That's ok I haven't heard back yet, so I sent another email.
                Excuse the lack of a photo, this computer will not upload photos.
                Hope your funds reach you soon. Best wishes :)

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              • Hope2012    Jan 16, 2013

                Hi I received this information

                loans are disbursed via check (as opposed to mobile banking in Kenya). This means the borrower has to go to a branch office and cash the check, which can involve some traveling if they do not have a branch office in their proximity. Nevertheless, I will leave work with our Client Relationship Intern in Senegal so he can look into it...

                I imagine someone will contact you soon, if not maybe ask at local branch office.
                Hope this helps, best wishes

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                • Ngone    Jan 16, 2013

                  thnk you very much again for information you me, until now i m waiting for them and wishing they will contact me sonn.
                  waiting for their call to contacat me
                  God bless you

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                • Ngone    Jan 16, 2013

                  thnk you very much again for information you me, until now i m waiting for them and wishing they will contact me sonn.
                  waiting for their call to contacat me
                  God bless you

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                  • Hope2012    Jan 16, 2013

                    That's ok, if they don't contact you soon and you are able, I can only suggest going to their office in person and asking why you haven't had your cheque yet (or "check" as the Americans write it ;) and showing them this conversation on their webpage. I don't know how far their local office is from you. Anyway, someone should be in contact soon, but if not, don't be afraid to chase them, the money has been promised to you and it has certainly left my account. They seem good and honest people and I've not had any problems before from the loans I have financed. Just one of those admin errors that happen occasionally, I expect. At least the interest to us is zero so you don't have to worry about interest inflation even if it is a bit delayed.
                    I Hope it goes through soon and you feel the benefit :)
                    Either way post me a quick note thanks :) Many blessings

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                  • Hope2012    Jan 16, 2013

                    That's ok, if they don't contact you soon and you are able, I can only suggest going to their office in person and asking why you haven't had your cheque yet (or "check" as the Americans write it ;) and showing them this conversation on their webpage. I don't know how far their local office is from you. Anyway, someone should be in contact soon, but if not, don't be afraid to chase them, the money has been promised to you and it has certainly left my account. They seem good and honest people and I've not had any problems before from the loans I have financed. Just one of those admin errors that happen occasionally, I expect. At least the interest to us is zero so you don't have to worry about interest inflation even if it is a bit delayed.
                    I Hope it goes through soon and you feel the benefit :)
                    Either way post me a quick note thanks :) Many blessings

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                    • Ngone    Jan 16, 2013

                      Thank you very much once again more gestures than you are working on my person.i say if I am on this site because I want to support my family on the income-generating activities that I mene.If zidisha managers do not have contact me far I don't know pourquoi.pourtant I have called the abas for demnder but they do not have me say something convainquant.sinon I remain attentive to even see what itThank you and many things and I will be very happy to respond to your questionnaires
                      best wishes

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                    • Ngone    Jan 16, 2013

                      Thank you very much once again more gestures than you are working on my person.i say if I am on this site because I want to support my family on the income-generating activities that I mene.If zidisha managers do not have contact me far I don't know pourquoi.pourtant I have called this but they do not have say me something positive.so I remain attentive to even see what itThank you and many things and I will be very happy to respond to your questionnaires
                      best wishes

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                    • Ngone    Jan 16, 2013

                      i just received n information from one person working with zidisha office in dakara and he says me i must go in the ECOBANK OFFICE TO TAKE MY MORNEY.THEY HAVE CHANGE THEIR SITE FOR TAKEN THE LOAN BECAUSE THERE HAVE ANAY STAGAIRE IN THEIR OFFICE.
                      IF I TAKE MY LOAN TOMORROW I WILL INFORM YOU
                      BEST WISHES

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                      • Hope2012    Jan 16, 2013

                        Excellent, je suis heureuse de recevoir cette information, on arrive !
                        Je viens de réaliser que venant du Senegal vous êtes francophones, excusez moi, je m'habitue à parler anglais avec les gens de Kenya ici. Si vous voulez vous pourrais toujours m'ecrire en français si c'est plus facile. Je suis anglaise mais (un peu) francophone aussi.
                        Quant à moi je m'occupe ici à zidisha car j'avais des monnais qui restait au banque mais je n'avais plus confiance en grandes banques (ni les hommes politiques) dans le Ouest qui ne s'occupe pas aux gens normales ces petit entreprises mais seulement les grands. je dois conserver mon argent pour l'année prochaine mais pour cet année c'est bon. Donc je me disais pourquoi pas prêter le pendant une année pour zéro?
                        Ok bonne chance avec votre entreprise :)

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                        • Ngone    Jan 17, 2013

                          It makes so happy to know that you understand French and by the way, I am also happy about what you did to help me get out of the situation I was in. It is with a lot of happiness that I am writing you to thank you again for your your attention towards me and I am telling you that one day, I will invite you to Senegal to come and see me if you wish. I am leaving to the ECOBANK bank right now to see what my status is and I will keep you informed afterwards.
                          Thank You. I will talk to you later.

                          Translated by     Show original

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                          • nelson637    Jan 17, 2013

                            I have been following the conversation between Ngone and Hope2012 but haven't intervened as you both were handling it so well. I don't speak much French, but it sounds as though Ngone has been contacted and understands now how to obtain her funds from a local bank. I'll be interested to hear Ngone's update. And thanks, Hope 2012, for your diligence in tracking down the information for her. Perhaps Zidisha should improve its follow-up procedures when available funds are not disbursed after a certain period. I will write them about that.

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                            • nelson637    Jan 17, 2013

                              Hope2012 and Ngone: was going to contact Zidisha about Potential disbursement issues like Ngone was having when I noticed a thread of comments on this topic in the Zidisha Forum. Zidisha had a problem with their transfer company which delayed their being able to get loan funds into the back they use in Senegal. It held up the funding of about 20 loans until early January. They contacted the borrowers but probably not until about the time of your email exchange. I posted a comment about our experience with Ngone there to suggest they look at both their borrower communication as well as procedures for following up if there are delays in fund disbursement.

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                            • nelson637    Jan 17, 2013

                              Hope2012 and Ngone: was going to contact Zidisha about Potential disbursement issues like Ngone was having when I noticed a thread of comments on this topic in the Zidisha Forum. Zidisha had a problem with their transfer company which delayed their being able to get loan funds into the back they use in Senegal. It held up the funding of about 20 loans until early January. They contacted the borrowers but probably not until about the time of your email exchange. I posted a comment about our experience with Ngone there to suggest they look at both their borrower communication as well as procedures for following up if there are delays in fund disbursement.

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                            • Hope2012    Jan 18, 2013

                              Thanks Nelson637
                              'stagaire' =temp (UK) = intern (USA)
                              As for my french paragraph it was about why i chose zidisha instead of keeping my savings in the bank this year, (basically as the big banks never fund small businesses even in england, let alone anywhere else.)
                              Has been quite nice to practise my French as I don't use it much.
                              All best

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                              • nelson637    Jan 18, 2013

                                Hope2012--thanks for helping Ngone as well as for translation--I'd not quite caught the sense of that paragraph. Feel free to email me directly at [email protected] if you want to take this discussion further 'off-line' so as not to confuse Ngone.

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                            • Hope2012    Jan 18, 2013

                              Off topic but just looked out of window and everything is pure white, we are covered in a beautiful blanket of snow. So lovely I might make one last attempt to upload a photo here.
                              Very cold dog just hammered past my window taking itself for a walk, the owner obviously had better ideas ...

                              //il neige ici dans le sud d'angleterre, toute est couverte en une grande Blanche, tres belle, rien qu'un seul chien qui marche rapidement sans son maître qui ne voulait laisser la maison et geler... Je me disais que aujoudhui serait le meilleur jour pour un dernier tentât pour télécharger un photo ici

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  • Hope2012    Dec 12, 2012

    Congratulations on your loan funding
    A lot of people sell their handmade goods here
    www.etsy.com/

    Wishing you perfect health and good sales :)

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  • nelson637    Dec 12, 2012

    Glad you were able to fully fund your loan, Ngone. Best of luck expanding your orders and purchasing power.

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    • Ngone    Dec 12, 2012

      thank you very much for your message, i wish you ll be a good health and thinking to meet you one day in Senegal west africa or in your country selling you my art
      big wihses

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      • nelson637    Dec 13, 2012

        Please do let us all know how you are doing. Senegal and California are about 10,000 kms apart--so a very long trip! Best of health to yu and your family.

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      • nelson637    Dec 13, 2012

        Please do let us all know how you are doing. Senegal and California are about 10,000 kms apart--so a very long trip! Best of health to you and your family.

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      • nelson637    Dec 13, 2012

        Please do let us all know how you are doing. Senegal and California are about 10,000 kms apart--so a very long trip! Best of health to you and your family.

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      • nelson637    Dec 13, 2012

        Please do let us all know how you are doing. Senegal and California are about 10,000 kms apart--so a very long trip! Best of health to you and your family.

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  • nelson637    Dec 12, 2012

    Glad you were able to fully fund your loan, Ngone. Best of luck expanding your orders and purchasing power.

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  • nelson637    Dec 5, 2012

    Hope this time you will receive bids for the full amount. I wonder if offering to pay a low interest rate would attract more bids. I know many lenders, like myself, may not care, but perhaps it might make a difference to some lenders.

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  • nelson637    Dec 5, 2012

    Hope this time you will receive bids for the full amount. I wonder if offering to pay a low interest rate would attract more bids. I know many lenders, like myself, may not care, but perhaps it might make a difference to some lenders.

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  • nelson637    Nov 16, 2012

    Wishing you success with your art/craft business, Ngone. Hope you are able to obtain full funding to expand. Let us know how you are doing.

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    • Ngone    Nov 17, 2012

      if i received this fund i will go to buy a lot of products of art that i will go to work in order toursits who passed in my place could take a big command.
      i would like others donnors do like you do for me in order i received soon this fund.i thank you very much for this some you gave me.

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      • Ngone    May 9, 2013

        gello it's long time.i was in hospital breacuse i ws ill until i received my funds and will be very sick and entered in hosptila.i buy medivament with all funds i received.the doctor says me not to be in activities before september 2013 to be cool
        thank you

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