Alassane Diop

About Zidisha Profiles Zidisha entrepreneurs write their own loan profiles and provide their own photos. English is not usually their first language, and many had to overcome great obstacles to obtain an education. Additionally, many do not have cameras and own only a small number of personal photos. As a result, the profiles are not always as polished as on other websites. To keep profiles genuine, Zidisha staff do not make any edits, with the exception of titles for clarity and English translations.

My Story

My name is Alassane Diop. I am an artist who dies cloths and sells them. I learned this trade from my mother. From a very young age this trade fascinated me, I was always very moved to watch her put so many colors on a single cloth. I graduated high school though could not continue my education, because my aging parents could not afford it. Since then, I chose a career in dying cloths, which allows me to make a living and take care of my parents. I make and die bed sheets, blankets, table cloths, shirts, and pants. I sell these products to make a living.

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About My Business

I've been working with cloth-dying (Batik) for over 10 years. This is a traditional manual craft that consists of putting different colors on a white cloth and then tailoring the cloth to make dresses, pants, bed sheets or table cloths. I also teach batik dying classes to people who are interested.

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My Loan Proposal

The loan that I would like to have will be used to produce traditional hand-dyed batik clothing. This is my trade, in which I have over ten years of experience. I would like to replace worn-out tools and equipment, and avoid ruptures of inventory - often clients come to buy clothing from me and find that I am out of stock.

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Comments

 

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lucafrangi   Jul 13, 2013

Does anyone know what happened to Alassane Diop?
The political situation seems relatively quiet now in the country and Mr. Diop doesn´t live in an area close to Mali.

Alassane Diop   Feb 16, 2012

Hi everybody,
I live in a very tense political climate. I am writing you to update everybody on the socio political situation as well as the rebels for the past few days. The electoral campaign started a week ago. The candidates are going everywhere with their thousand supporters but their arrival in Ziguinchor is a major problem because of the rebels presence around here. This past Saturday, the President came in the south of our region but in a helicopter. I never saw in my whole life so much military and law enforcement personnel. The scene in front of me was just like a country at war. The phone lines were down, nobody could dial out or receive any calls and I could not take any picture for fear of being taken. The President ‘campaign lasted few hours only.
On the other side, there was shooting amongst the rebel’s army. Cases of fraud make the front page with the military vote that is going to occur this Saturday and Sunday. There will be no vote counting as the ballots will be kept until the night of February 26th. The military vote has been imposed by the President Wade but the Senegalese army has always been neutral. Their priority is to protect the population.
The president injected more money in the military budget. The military is sent in different missions in the countries at wars and after each mission they received approximately 3 million dollars.
The school year is invalid. Since the beginning of school year the students did not have any grades or test or evaluations. It’s been four months that they are not in school.
Everywhere tires are being burned, the traffic is intense and impossible to beat. We are constantly breathing the smoke of bursting grenades. The army does not hesitate to shoot in the crowd.
To come back on the subject of “Daniel” Youssou Ndour has not been validated by the constitutional council. They are saying that he did not pay his taxes and did not present 12 000 signatures which is totally false. He is definitely a menace to the president popularity. He is on the movement side and he is sick and tired of the M23 movement.
The first movement is consisting on a citizen who is patriotic and wants a system change agreeing on freedom and democracy.
The second movement is to march against the law to elect 25% of the suffrage. In the entire country we usually elect at 51%
I hear some noise outside, it is getting dangerous. I need to leave it is safer. Talk to you later.
“Viva la democracy “

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(Received from Alassane Diop by email on February 9 and posted here with his permission)

I am talking about the situation in my country, you can also ask others borrowers who are from Senegal.
At my place, it is very tense, especially at Ziguinchor where I live.
Regarding the presidential elections, the whole population is rebelling against a third term of president Abdoulaye Wade who is 86 years old. Can you imagine? He is the oldest president in the world.
He had written on the constitution that his term would have stopped in 2012 but, a few months before the elections, he says he is candidate. So, he is breaking the constitution of Senegal.
However, his candidacy has been accepted by the constitutional council that he elected himself, so, because they are all friends of him, they could only accept his candidacy. They are 5 magistrates to whom he offered 5 millions and cars: This is pure bribery.
That is why there has been an uprising of the population. The USA, France and the EU have all said that he must let the country move on to the next generation, but he is still stubborn
Senegal is mismanaged, life is too expensive and people do not eat enough--that's leading to the loss of our values, and that encourages young people to take a boat to Spain, which is practically a suicide.
Things that costed 10F a few years ago, now costs 250F. The old women who sells peanuts in front of her home, she needs 500 F to feed her children and she pays 200F per day for taxes, when are her children going to starve?
No sector is functional. For example, the education's budget represents 40 % of the total country budget but, let me say to you all, there are empty schools this year. Indeed, since October, the pupils have not studied fully during a month; there are strikes every time. Teachers goes on strike because they don't get their salaries, the new graduated students (from high school) are not orientated to universities. However, our aging president says 40% of the budget goes to this sector.
Besides, in my region in the South, it's even more complex, because there are rebel infiltrations during riots of the people. That explains why people are dying--the police are shooting with real bullets.
That's why, madam Zidisha director, I can't go out every time I want. The only way to contact you is with my phone so, I don't want to lose it.
The particularity of the southern regions is geographical and cultural. You must know this region is bordered by Gambia, Guinea-Bissau, the Republic of Guinea, and the atlantic ocean at west. Every ethnic group from the subregion and from west Africa is present. So, the cultural diversity is very strong. It is a wild and green area. The nature gives us all. But, today the conflict made its own enclosure: every zinguinchorois on the same line is fighting for a definitive peace in order to give back the smile and the real identity to the Casamance, to make people stop starving, to make justice be done, to stop the sacrifices of youth, to create jobs, no more mines, that everyone can do their activities quietly.
PS: The entire Senegal says thanks to the USA and to the EU to have dotted the i's and crossed the t's with our president who is soon to be 100 years old.
Thank you for sharing with me the troubles of my place.
The whole international opinion will know now.

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Alassane Diop   Jan 25, 2012

Hello I am failing to attach photos so I will just leave this small comment. I’ll post more photos later, as I have just left the bank to make my payment and I was in a rush so I forgot to bring my camera’s cable for the photos. Regarding my previous comments, the situation here at home has not changed, and in this moment we are living in a very tense situation. I am doing my batik in between students throwing stones who have been on strike since October and police with teargas.
In fact, it is a fierce battle between students and government forces, to the point where a student was killed by a bullet. It is because the presidential elections are in a few months so nothing works. All sectors have been on a strike against the government because of the cost of living, imagine that today there is not transportation, no bread, no fish—everyone is on strike because the cost of gasoline is too expensive, the professors are also on a strike for months because they have not been paid.
I am writing all of this quickly because I am doing many things at once. I will take the time to tell you all about the tranquility, also the sides that are not negative. Ziguinchor is a beautiful region full of live, it is paradise on earth. I am telling you all, I am showing you all, and now you all know.

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Thank you Alassane for your excellent write-ups. Please do keep them coming -- I learn much from your observations. I hope the political unrest will calm after the election. I don't know anything about Senegalese politics, but I do like Youssou Ndour's music. Whether that means he'd be a good president... well, Haiti has been experimenting with this by having elected Michel Martelly (also a musician), though thus far it's too soon to tell how successful he'll be. All I know is that I hope someday soon Ziguinchor will be famous only for its beautiful countryside and world-famous batik!

Alassane Diop   Jan 10, 2012

I’m not afraid to say that this is a way for me to denounce the rebellion that has made us endure suffering and losses, a way for me to share my troubles with anyone who wants to hear it. When I was a student, I wrote to the President to let him know that we need peace, not to destroy this beautiful natural region. There are clashes between the army and the MFDC (Movement of Democratic Forces in the Casamance). There are talks and plans to stop the conflict, but the MFDC remains.
Because of the presence of rebels on the road, everyone wanted to travel by boat to Dakar and that is why a boat called the Diola overloaded and capsized on September 26, 2002. I don’t know if you heard on the news, but there were more than 2000 deaths and only around 60 survivors. As you can see, it is awful. Traveling by airplane is best but it is also the most expensive.
Have you heard about Senegalese people who take canoes to go to Spain? Hundreds of thousands of young people have lost their lives at sea. All of this has a direct impact on my work, because as you all know, everywhere I go, I am a witness to all of this awfulness.
I am a young person who believes in myself. I am not tempted by foolishness; I make a living by the sweat of my brow. This comment is like a drop of water in the ocean.
Also, as for the camera, the only problem is that if I take more than 10 photos, it is full, so I think I need to change the memory card. I must select photos to post because there are people who don’t like their photos on the internet, for ladies it is not a problem.
Thank you for sharing with me this moment from my heart.
Bye

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Alassane Diop   Jan 10, 2012

With the consent of the director I would like to talk about the uniqueness of my region. You should know that Ziguinchor is the victim of a rebellion called MFDC (Movement of Democratic Forces in the Casamance). This rebellion has been around for almost 30 years and now people criticize and denounce it but it is still there. They are mostly in remote areas and attack people traveling—they rob cars and make all the passengers get out to steal their goods. The unfortunate ones are killed in cold blood. After these actions the rebellion returns to the bush. It is in this atmosphere that I still live. I’ve seen a lot of people killed, houses burned, women raped, and people who are taken away and never return…

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Dear lenders,

I spoke yesterday with Mr. Diop, who has been ill and in the hospital for the past two weeks. He was just released today, but is still too weak to work, or to travel to the bank in Ziguinchor to deposit his loan repayments. Mr. Diop sent the following update by SMS and requested that it be shared with lenders.

Translation: "I have just spoken with Julia over the telephone to tell her that I have been ill, and was in the hospital for two weeks. All is well, except that I'm a bit lacking in strength to go to a cybercafe and access the internet. [in response to Zidisha's offer to reimburse the fee he had to pay to retrieve his digital camera that we mailed to him from Customs in Senegal by crediting the amount back to his loan account] Please do not deduct the cost of the camera from my loan balance: I have undertaken a commitment to you lenders and I intend to keep it. Thanks for your understanding, Alassane."

Original French: "je viens de parler avec julia au tel pour lui dir ke jetais malade jai fait 2semaine a lhopital,tout va bien seulement je mank un peu de force pour etr sur le net,svp ne deduisez pas le prix de lapareil foto,jai prix lengagement avec vous et je le respect.merci pour votre comprehension, alassane"

Best,

Julia Kurnia
Director, Zidisha Inc.

Dear lenders,

We have been in regular contact with Mr. Diop by telephone and SMS since his loan was disbursed. He has attempted repeatedly to deposit his September and October repayment installments, but each time he has made the long (and sometimes dangerous) journey to Ziguinchor city where the nearest bank branch is located, there were so many customers waiting to be served that he was not able to make the transaction. This is a common occurrence in African banks, where people often must wait in line for hours to make routine deposits and withdrawals.

On a positive note, Mr. Diop reports that he received the camera which we sent as a prize for winning the borrower comment contest last month. He looks forward to using it to share photos of his incredible batik creations with us soon.

Please don't hesitate to contact me should you have any inquiries or comments concerning this loan.

Best,

Julia Kurnia
Director, Zidisha Inc.
julia@zidisha.org

Alassane Diop   Oct 19, 2011

Hello everyone,

I've finally returned from my trip, and all is well. Diembering village is a tourist site, and doesn't have much in the way of internet access. They have pretty campgrounds and tourist lodges, a good seaside and very pretty jungle. The delivery of batik that one of the tourist lodges had ordered was a success. Everyone liked my batik, and I was even able to make contact with new customers in other villages. The order I delivered this time consisted of dying all of the tourist lodge's sheets, pillow cases, tablecloths and cloth napkins with batik designs. I just had to come once a week to take care of my family and other business.

I was fortunate to have other very rich experiences: the people of the village came to see my artwork, and we talked and they told me about their lives. During school vacations the village regains all its children. Their livelihood comes from farming, fishing and raising animals. The natural surroundings are green and abundant because it rains well. All the youth of the village farm rice and corn, and they are able to harvest enough to feed them throughout the year. They make baskets from palm leaves and sell the baskets, and this allows them to have a bit of cash to buy school supplies. There are big traders who come from the city of Ziguinchor or from other regions to buy mangoes in the village and resell them in Dakar, Senegal's capital city in the north. I don't have a camera, but the people I worked for took photos and I hope to show them to you soon.

I've become a big fan of this village because of its leadership and cooperation. I have so much to tell you, I just wanted to give you a foretaste. If you find it interesting, I'll be happy to tell you more about my travel experiences.

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Dear lenders,

We received the below note from Mr. Diop via SMS text message. Ziguinchor is the largest city in the Casamance region of southern Senegal where Mr. Diop lives, and site of the nearest bank where he deposits his Zidisha loan repayments. The Casamance has been the site of a separatist conflict for decades, and though the war is over there is still a good deal of banditry on the part of the former insurgents.

"Your loan has allowed me to scale up my production to the point where I can market my wares to tourist lodges in the villages. Everything is going well and my batiks are popular. However, I only make the trip to Ziguinchor on Thursdays, and this week there was a band of rebels committing armed robberies on the road to Ziguinchor, so we had to turn back. I intend to try again this Thursday to travel to Ziguinchor to deposit my repayment."

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Alassane Diop   Sep 05, 2011

Just a big "hi" to everyone. I have not forgotten anyone, I have not wasted time since I received my loan, I have put myself directly to work, all this time I was busy making the dye, I bought the fabric, colors, renewed again my tools for working, my workshop right now is like a 5 star hotel, whoever would like to take a tour, also I have people who do courses, one hour is 2500f [$5], ultimately everything will be normal apart from the rain which sometimes slows me down. Talk to you again later.

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Alassane Diop   Aug 24, 2011

Thanks to all the people who financed me, I have received my check, now my vacation is finished, I am spending time at work, thank you once again to everyone, until next time

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Alassane Diop   Aug 19, 2011

Hello, just to tell you that it is very cool that Zidisha, as well as giving us loans, gives us gifts, I have not done a comment in a while because I am very busy with work, I think like the other borrowers, we cannot stop thanking Zidisha and all the goodwills that accept to finance us, me, I am the kind to think a lot, I have ideas all the time, work plans in my head, but the funds are still lacking, and the day that I saw Mack, an intern with Zidisha who came to see me at my work place to talk to me about Zidisha, I said to myself: My God that this isn't a dream. At then end of a few weeks, Steve called me to congratulate me because I was going to be financed, it was very good, apart from it, my work reflected another figure, it was going to become more professional, this money permitted me to do repairs first of all, I bought gloves, goggles, masks, basins, and a workshop with a different look from the offices of professionals, all the necessary material was there. This permitted me to have the stock all the time and every time a person wanted to see or buy something there they always had multiple choices available, I did fashion shows on tour. Financially, it was better. With my finances I help my family from time to time pay the bills to buy food, I had had an accident with work, I almost lost my eye, it is thanks to the funding from Zidisha that I succeeded in saving my eye, my mother was very sick, I paid for the medicine and her hospitalization until the day she died, I had a profound thought; if I had not had money, she would have have passed away earlier, I paid the last months of tuition for my brother who had to pass the baccalauréat, the test before entering university, he found that financially it was expensive but I could not leave it one month to his exam, finally, he passed and in the dedications he thanked Zidisha. Today I can but thank all those with good intentions who have the confidence and the firm belief like us as well, we have the firm will to prosper in our work, a gesture that is small for you but makes a dream a reality. All my thanks to Julia, Steve, Mack, Allen, Sarr to everyone who has financed me or who has financed others like me.

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Alassane Diop   Aug 12, 2011

Now I am offering rate of 10%

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Alassane Diop   Aug 10, 2011

I decided to raise my interest rate to 8%, I always had to firm wish to continue my work, like I told you in my last comments, I had a strong demand that my finances could not cover, I would not like to miss this, even if with 8% it is still more expensive, thank you for your understanding.

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Bonjour Alassane,

Je présente d'abord mes excuses pour le delai dans la réponse. En fait afin de modifier votre taux d'intérêt il fallait d'abord que nos techniciens modifient la programmation du site web même, et je leur ai demandé de prioritiser cette modification le plus vite possible afin qu'on puisse modifier votre taux d'intérêt.

Donc j'ai déjà fixé votre taux au niveau de 8% (c'est à dire 3% pour les prêteurs). Desormais, vous pouvais le modifier vous même en suivant le lien "Candidature de prêt". N'hésitez pas de me faire signe si vous avez des questions ou des difficultés.

Meilleures salutations,

Julia

salut alassane,

there seems to be a technical problem here as lenders' interest is still shown at 0,00%. i can just guess but when you put in the interest rate maybe it is not saved? if you change something you better double-check afterwards if the change took effect (for example, refreshing the page might do the trick. if the new value shows up everything is allright. if not, something has gone wrong.)

i try to get steve and/or julia to have a look into it. i learned that at least julia knows about the zero interest rate problem and her team tries to fix it already. until changes are in place they will have to update it manually.

au revoir,
melliecarma

Dear Melliecarma,

Thanks so much for getting in touch to facilitate a resolution of this. In fact, due to Alassane's request to increase his interest rate and need to be financed quickly, we asked our IT team to prioritize adding the ability of borrowers to modify interest rates in their fundraising applications ahead of other ongoing enhancements to our site. This was finally completed early this morning, and Alassane's rate has been increased to 8% (3% for lenders) as requested.

Going forward, this enhancement will allow borrowers to continually modify their offered interest rates in response to lender demand while applications are fundraising.

By the way, Steve has completed his internship with Zidisha, and is now working with UNESCO in Paris.

Best regards,

Julia Kurnia

Director

bonjour alassane, vous avez dit le 1 août que vous avez fixé le taux d'intérêt à 8% mais ceci n'est pas affiché sur le site. Ce qui est affiché est 0% pour les prêteurs (0.00%) alors que ça devrait être 3% (avec le frais de Zidisha de 5% + l'imf locale, et ce qui reste pour les prêteurs). Je suggère que vous vérifiez cela et que vous vous mettiez en contact avec julia ou smonroe à propos de ça, car ça pourrait être la raison que votre demande de prêt ne se finance pas vite. Moi j'aime ce que vous faites et normalement j'y aurais contribué des fonds, mais je voudrais de la motivation en form d'intérêt, car je dois travailler dur pour mon argent et je ne le dépense pas pour rien. J'imagine que vous allez comprendre cela. Une fois que le taux d'intérêt sera 8% (c'est à dire 3% pour les prêteurs) sur le site votre prêt sera financé plus vite et j'imagine que ce sera financé avant le 29 août au plus tard. une bonne semaine à toi, melliecarma (allemagne)

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Alassane Diop   Aug 09, 2011

Hello, I have now returned from my journey. Everything went well with my batiks, I met several people, Europeans who come down to Ziguinchor [the main city in the Casamance region of southern Senegal] to take courses, and I also met the manager of a tourist lodge who placed an order for sheets and curtains for all fifteen rooms of the lodge, and at the same time offered to let me display my products there for sale and for publicity. It was a very productive trip, in terms of sales as well as in making contacts and establishing a basis for future orders. To give you some idea of the villages I visited, the inhabitants are very accessible, open and relaxed, they engage in small trade for a living. Their shores are full of fish, beaches very clean and the tourist lodge is owned and managed by the entire village. There are tourists there all the time, and restaurant facilities available. All the revenues from the lodge are used to help local residents in need. Life there is very good, the air is pure and surrounding forest is very green, it is really worth visiting Diembering, Cap Enampore. The only thing that holds me back is that I don't have the resources to buy the materials needed to fill all of the orders I receive. If I had already received funding from Zidisha everything would have been perfect, because it's an opportunity that I hope not to miss. Thanks to all of you for reading my update, and good day to everyone! Until the next time I describe a new experience...

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Alassane Diop   Aug 06, 2011

This whole week I made batiks, the same type as the last photos that I posted, right now I am going to two touristy villages to sell them, I am going to Cap Skiring and to Diembéring, it is one hour in the car, my finances don't allow me to satisfy all the demand but I did with what I could to not lose this opportunity and also to not let down my clients, I am going to stay here at least until Monday, I will maybe not have enough time to be on the internet but I promise to tell you how everything goes here until my return. Have a nice weekend to everyone

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Alassane Diop   Aug 05, 2011

Hello, this message is for you to express my strong desire to want to be financed, because it is a period where businesses are going strong, its vacation, and most people want the "new look," I have a strong demand for batiks that I'm fulfilling, so with your loan I could made really great things and make the most of the vacation.

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Alassane Diop   Aug 05, 2011

Hello, this message is for you to express my strong desire to want to be financed, because it is a period where businesses are going strong, its vacation, and most people want the "new look," I have a strong demand for batiks that I'm fulfilling, so with your loan I could made really great things and make the most of the vacation.

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Alassane Diop   Aug 04, 2011

I talked about Zidisha across where I go, almost to everyone I know, I gave them the site, lent them the brochure so they could attentively read it and better understand how you function but most of the people do not use the internet, some however, are motivated and they will not take long to make a sign at you.

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Alassane Diop   Aug 02, 2011

Hello, ramadan starts today here, Ramadan is a month where Muslims abstain from eating and drinking from 5 o'clock in the morning until 7 o'clock, it is a very difficult test when you do things, it is not easy because the stomach does not have anything and no one has energy right now, but on the other hand, it is positive, because if I am working, I do not stop for lunch so I work more, the first days are hard because habits change quickly, but after it becomes natural, also it is not an obligation to fast, we fast when we want, so everyone can or cannot fast who is Muslim or not, it's how you attempt to try to associate history, I fast at work. Coffee in the morning is a beautiful experience. Hum, have a good day.

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Alassane Diop   Aug 01, 2011

Hello, I am back to touch on my interest rate offered, I am changing it to 8%, thank you

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Alassane Diop   Jul 27, 2011

Hello to the whole Zidisha team, I am back at my house after 15 days of work with a group that was interested in batik, here are photos of the last models that I created, they are t-shirts for women and shirts for men, not very hot, actually the rainy reason at my home will last for 3 or 4 months, from June to September or October. It is not easy with my work because each time it rains it slows everything down, the fabric dries slowly, so I profit in this situation from working in large quantities and going to the touristy sites to sell what I know and those that are interested can take classes, and this saves me twice as much, if I can get my second loan, I will increase the quantity of the product to earn more again so I can talk to the village where I was, it is called Énampore, it is a beautiful village situated 40Km from my house, the people have a busy trade there of fruits and some sell hand woven woven pagnes (a traditional Senegalese cloth). Shoppers come to buy the fruits and the pagnes to hold the fruit, among the young people of my age, there are some students who during the rainy season come to do business, I talked with some of them about Zidisha, so that they can be financed to be able to ameliorate their conditions of life, because it is not always easy here. See you soon for another experience.

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Below is a message from Allassane Diop:

Hello Julia,
Thank you for your message. Now I know what happen if I can't respect my engagements. I realize that I have not been able to make payments. This is not my intention nor I am I not paying on purpose.
This year has been far too difficult for me. I almost lost my eye at in an accident at work. I recently lost my mother, a month ago. While she was ill I had to bring her to a hospital in the capital and pay all her hospitals bills.
All these costs were covered by the savings that I made through Zidisha.
Thanks to Zidisha my mother could live a little longer.
All of this almost too overwhelming to talk about. I now have another life and refuse to give up. I will continue to fight, for my mother, and to respect my payments with Zidisha.
I started working again, and am saving. I will keep in touch for the repayments.
Thank you for understanding.
Allassane

Original post in French:

bonjour julia
je te remercie pour ton message cela me permet de savoir
comment vous travailler au cas ou je ne respecte pas mon engagement,
je reconnais que depuis un certain temps j'arrive pas a
verser normalement mais tout cela n'est pas de ma volonte
ni de mon intension
cette année il ya des choses qui me sont arrivées et c'est trop dure pour moi
j'ai failli perdre mon oeil au travail,je viens de perdre ma mére il ya juste un moi
ma mére été malade,je l'ai amené dans un hopitale de la capitale,j'ai payé tous ces soins et les frais d'hospitalisation
cet argent qui m'a permi de faire toutes ces dépenses c'est les économies que j'ai eu avec le pret de zidisha
grace a zidisha ma mére a tenu quelques jours
cela me fait trop mal de parler
maintenant j'ai une autre vie
je ne baisse jamais les bras je continuerai a me battre
pour ma mére afin de pouvoir respecté mon engagement avec zidisha
j'ai commencé a reprendre mes activités,garder de l'argent et je vous dirai quand je ferai le versement
je vous remercie pour votre compréhension
alassane

Alassane Diop   Dec 23, 2010

To everyone on the Zidisha team: I would like to express my dissatisfaction that you took away our client relationship managers, first Mack then Steve; you give us great, kind and approachable people and then you take them away! Just to let you know the importance of these people for us, without forgetting Mr Sarr (director of SEM, Zidisha verification partner in Senegal). I hadn't posted a comment for a while because I had so little time; my business is going great and I already have plans for diversifying my activities. I'd like to buy a vehicle and start a taxi service; this will allow me to earn 200,000 - 300,000 CFA (about USD 400-600) per month, and eventually if all goes well I hope to buy some land and have my own house. To make this happen I will have to work long and hard. I wish all of you, ladies and gentlemen, a merry Christmas.

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Alassane Diop   Nov 25, 2010

To everyone with Zidisha,
After a long time out of touch, I am happy to have found the time to get in touch with you guys. I've been working non stop and moving around a lot. I've stopped by three regions in Senegal in one week, I have orders coming from a little of everywhere, I even made my second payment from Dakar. Everything is going well, later

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Alassane Diop   Oct 22, 2010

To everyone with Zidisha,
Today was my first payment and everything went well. I haven't been making a lot of posts because I haven't had a lot of time. I've increased my workload and as the grace period was not as long as I orginally thought it would be, I had to get my act together quick. It was a little rough but it also helped me a lot because I started right away and I got a lot done in one month. Everything is going well. Oh, I forgot to tell you, I paid 41550 cfa as oppose to 41532 cfa, so you guys owe me 18 cfa (approximately 4 cents), if any of you decide to go to Senegal on holiday, dont forget to bring me my 18 cfa,
I send my thanks to everyone at Zidisha,
later

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Alassane Diop   Oct 08, 2010

To everyone with Zidisha,
I wanted to tell you all that my business is doing well, I work eight hours a day with a two hour lunch break. Besides that, there are too many power outages here, that's why I haven't been able to update you guys on my business lately.
See you soon.
You guys are more than welcome to spend your holidays here in Casamance - it's heaven on earth - and you'd leave with some beautiful Batik.

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In addition to his Batik business, Mr. Diop runs a workshop that hires and trains his neighborhood’s unemployed youths in the art of Batik making. Below is a picture of Mr. Diop's current workshop. Unfortunately, the workshop's inadequate tin roofing stalls production during the rainy season. In the future, Mr. Diop hopes to raise enough money to build a sturdier, better sheltered workshop. Finally, on the bottom right is a picture of the site and some of the materials Mr. Diop plans to use for his future workshop.

Two weeks ago, I headed down to the Casamance to hand Mr. Diop his Zidisha loan. During my visit, Mr. Diop showed me around his workshop. Mr Diop works with Batik, a dyeing method involving layers of wax and color. Below are pictures of some of his work.

Tres joli Batik! Si un jour je suis au Ziguinchor, je n'hesiterai pas de vous voir.

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Alassane Diop   Sep 22, 2010

It s great that people from zidisha come over to ziguinchor, it went well, I showed him my workshop and some of my batiks. I spend almost 8 hours a day at my workshop. we took photos but they were too big to load, you will see them soon though

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Alassane Diop   Sep 15, 2010

I've spoken about Zidisha to my friends, to lots of people. We are a country with a majority of young people, brave, industrious young people who can't find a place to work. Many companies and factories are closed. People either remain unemployed or risk going to Europe by Pirogue (a small Senegalese boat), you can imagine the dangers.

I once told people that I know " don't be discouraged, don't go to Europe, it's risky. Stay here, there's lots of potential to make a living here - with our rain we grow and sell produce, we can fish. With my Zidisha loan, I will invest in dye making. I will one day buy a car to start driving a taxi as well, they make 10 000 fcfa (20$) a day. And after that I will be able to buy my own house - even though I stayed in Senegal and worked. So stay here and believe in yourself."

I would like to thank Mack, Steve and Sarr who showed me the site and helped me a lot. I salute their professionalism. I also thank my lenders for the confidence they have in me. I hope we will work together under the best of conditions.

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Alassane Diop   Sep 09, 2010

Hello,
I just wanted to say that my top priority is to receive Zidisha's funding so I can restart my business. I keep on getting orders but I lack the means to complete them, however, in the end, I still thank Zidisha, and I can see that my loan percentages are going up, long live Zidisha.

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Hey, guys! My name is Steve and I am one of Zidisha’s Clients Relationship Manager based in Senegal.

While in Senegal, I will be meeting with Zidisha’s clients to understand their stories and help them connect with their lenders from across the globe.

Communication is fundamental to Zidisha’s microfinancing model. I’m here to facilitate dialogue between borrower and lender. I’ll be posting stories, photos and videos about our lenders to help bring their businesses and lives a little closer to you.

Please feel free to contact me directly at steve@zidisha.org and I’ll be more than willing to answer any questions and comments.

Repayment Schedule Changes

Alassane Diop   Feb 09, 2012

In my place, it has been very tense for a few weeks because of the presidential elections that will happen within a few weeks. This caused demonstrations during whose houses have been burnt, cars have been destroyed and some people has passed away. To face this situation, I don't want to take risks for now. Then, everything will be back to normal and I will transfer the money quietly. It's not my first loan and I know I will have to pay even more.

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Alassane Diop   Jan 10, 2012

I said that my work allows me to make a lot of orders for festivals... I didn’t know another person could do it without me. Recently, there was a festival in Abéné where I went with a team of guys and girls who had a fashion show for me with my batik clothing.

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Alassane Diop   Dec 09, 2011

The reason I would like to reschedule my repayments is that I was ill for several weeks, during which time I was not able to work. Prior to that I had to travel a great deal for my business activities; I was away from home for almost a month, traveling to various tourist lodges to give batik classes and fulfill orders.

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Alassane Diop   Dec 18, 2011

Alassane Diop

Ziguinchor, Senegal

0% Repaid

About Alassane Diop


On-Time Repayments: The On-Time Repayment Rate is the percentage of all monthly or weekly loan repayment installments that this member has paid on time (within ten days of the due date), for all loans that he or she has taken since joining Zidisha. The number displayed in parentheses is the total number of monthly or weekly installments that have been due, over which the On-Time Repayment Rate is measured.

18% (22)
Feedback Rating: The Feedback Rating is based on performance ratings assigned to the borrower’s previous loans by Zidisha lenders. The Feedback Rating score is the percentage of all performance ratings that are positive, and the number displayed in parentheses is the total number of performance ratings the borrower has earned.

100% Positive (4)

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Online Identity: If this member has linked a personal social media account to verify online identity, it will be displayed here. Not Provided
National ID Card: Indicates whether this member has provided Zidisha with a copy of a government-issued identity card. Not Provided
Community Leader Recommendation: Indicates whether this member has provided Zidisha with a Recommendation Form signed by the leader of a recognized organization, such as a school or religious institution, in the member's community. Not Provided
Public Endorsement: If this member has received any public online endorsements from local acquaintances, they will be displayed here. Not Provided

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About This Loan

Loan Principal Disbursed: USD 789.00
Date Disbursed: Aug 24, 2011
Repayment Period: Number of months or weeks from disbursement until loan is fully repaid 18 months
Grace Period: Number of months or weeks between disbursement and first repayment installment 1 month
Total Interest Due to Lenders: This is the annual interest rate proposed by the borrower. Lenders may bid to finance the loan at the borrower’s proposed interest rate, or at a lower rate if they desire. If more bids are received than the amount needed to fund the loan, the borrower will accept the bids with the lowest proposed interest rates.

All interest rates displayed on the Zidisha website are expressed as flat percentages of loan principal per year the loan is held. For example, for a loan of USD 100, taken at 4% annual interest with a repayment period of six months, the total interest amount will be USD 100 * 4% * (6 months / 12 months) = $2.

The expression of interest rates as flat percentages of loan principal amounts is intended to make calculation of interest amounts more intuitive for borrowers and for lenders, and to facilitate comparison with other microfinance loans in borrowers' communities, the majority of which also use the flat rate methodology to express interest rates.
USD 28.36 (2.40%)
Borrower Transaction Fees: A transaction fee paid to Zidisha, expressed as a total amount and as a flat annualized percentage of the loan principal amount. USD 59.18 (5.00%)
Total Amount (Including Interest and Transaction Fee) to be Repaid: Interest plus transaction fees, expressed as a total amount and as a flat annualized percentage of the loan principal amount. USD 876.54 (7.40%)

Funding

Lender Name Amount (USD) Interest
Feldborg
(1,857)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
36.360.00 %
marieb
(33)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
6.000.00 %
IJAZBOF
(73)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
10.000.00 %
cperkins
(19)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
1.970.00 %
Eduardo
(61)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
20.000.00 %
Archie
(23)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
5.000.00 %
Ishaque
(636)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
100.000.00 %
Ishaque
(636)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
50.000.00 %
CatholicNetworking
(64)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
10.000.00 %
Ishaque
(636)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
30.000.00 %
smonroe
(116)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
4.121.00 %
wmonroe
(66)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
91.861.00 %
columcille
(22)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
1.822.00 %
EricDamonWalters
(511)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
7.892.40 %
carlos vendrell
(446)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
25.002.50 %
mikedufty
(834)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
14.843.00 %
lucafrangi
Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
50.003.00 %
melliecarma
(98)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
2.063.00 %
arenk
(103)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
20.003.00 %
cperkins
(19)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
2.033.00 %
joerg
(154)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
11.884.00 %
nphnph
(5)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
20.004.00 %
marvin24
(133)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
50.004.50 %
Errol
(277)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
10.654.95 %
jeanbaptiste
(64)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
20.005.00 %
melliecarma
(98)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
50.005.00 %
Daniel
(501)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
24.005.00 %
xander
(225)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
50.005.00 %
donfiego
(42)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
15.005.00 %
marieb
(33)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
40.005.00 %
melliecarma
(98)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
8.525.00 %

Repayment schedule


Repayments due as of Apr 18, 2014:  USD 877
Total repaid as of Apr 18, 2014:  USD 0

This loan was rescheduled on Feb 9, 2012
Date Due Amount Due Date Paid Paid Amount The Paid Amounts displayed here are the local currency amounts received, converted to US Dollars at the exchange rate that was effective at the time the loan was disbursed. The amounts credited to individual lenders are converted to US Dollars at the exchange rate that was effective at the time each repayment was received, and due to exchange rate fluctuations they may be more or less than the amounts displayed here.
Sep 24, 20110.00  
Oct 24, 20110.00  
Nov 24, 20110.00  
Dec 24, 20110.00  
Jan 24, 20120.00  
Feb 24, 201270.66  
Mar 24, 201270.66  
Apr 24, 201270.66  
May 24, 201270.66  
Jun 24, 201270.66  
Jul 24, 201270.66  
Aug 24, 201270.66  
Sep 24, 201270.66  
Oct 24, 201270.66  
Nov 24, 201270.66  
Dec 24, 201270.66  
Jan 24, 201370.66  
Feb 24, 201328.66  
Total Amount Due876.53Total Paid Amount0.00