DIAMBOGNE DIAFATH

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

I was born in 1975 in Ngeniene in the department of MBOUR. I have been married for 15 years and I am a mother of 6 children, 3 boys and 3 girls. I have 5 brothers and 4 sisters. I run a business of fruits and vegetables processing (couscous, peanut butter, lemon, mango, etc....). I live in the parcelles assainie in DAKAR, unit 17 villa n°314.

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About My Business

I run a business of fruits and vegetables processing (couscous, peanut butter, lemon, mango, juices, etc....). Thanks to my business I am able to share in the cost of family expenses (education of the children, rent, healthcare, etc…). I spend 50 000 FCFA a day to buy goods that I am able to sell two days later for 60 000 FCFA. I make an average daily profit of 5 000 FCFA. With this Zidisha loan I would like to increase my purchases and make my business flourish.

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My Loan Proposal

The Zidisha loan will be used for my business. I sell palm oil, fruits (mango) and vegetables. With this loan I intend to use 100 000 FCFA to buy fruits and vegetables and 100 000 FCFA to buy oils that I will sell to consumers in my neighborhood. I know that by investing in this loan I can get monthly income that way I can repay the loan, increase the working capital of my business and meet my children’s basic needs.

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Feedback

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Date By Feedback Rating Comment Edit
Feb 08, 2014 Krtecek Positive Good stuff, though more communication would be appreciated! :)
Dec 11, 2013 Oliver Positive Fully repaid the loan.
Dec 07, 2013 Hope2012 Positive Repaid all fine thanks
Nov 30, 2013 eagle3 Positive 100% positive. I appreciate the prompt way in which this loan was repaid. The interest paid on the loan will help others help themselves.
Nov 30, 2013 JimVandegriff Positive Congratulations on your great repayment record on your loan.


Comments

 

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Bonjour Diambogne,

Comment vont vos affaires ? Pourriez-vous nous donner une mis à jour et/ou un remboursement ?

Translated by barthez     Display posting in original language

Congratulations on finalizing your loan. I applaud your personel work and iniiative to better you and your family's situation. If you thnk you can -- You Can. Best wishes for success in the future.

admin   Oct 18, 2012

Dear lenders,

This applicant's loan application had originally been cancelled because we discovered that the microfinance institution which had provided a reference in support of the application was not reliable. The applicant has now reapplied using a different reference and credit history which we were able to confirm independently.

Should you have any questions regarding this application, please do not hesitate to contact me at julia@zidisha.org.

Regards,

Julia Kurnia
Director, Zidisha Inc.

Dear lenders,

We have discovered that the lending institution official who had confirmed this applicant's reported credit history was complicit in an attempt to deceive Zidisha by allowing computer-literate individuals to impersonate two applicants who turned out not to have written their own loan applications. We are therefore closing the accounts of the other applicants whose applications had relied on credit histories confirmed by this official, and returning funds that had been bid to lenders.

This applicant was not complicit in the fraud attempt, and may opt to apply again using credit history confirmed by a different official.

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

Regards,

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

DIAMBOGNE DIAFATH   Jul 23, 2012

I have received your funding and I thank you so much. I have the courage to work.

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Thank you for the first part of the repayment. I hope this means that your business is successful. I also hope you and your family are healthy. Here in Norway it is Mother's Day today. I have no children myself, but I congratulate you on your large family and wish you all joy!

DIAMBOGNE DIAFATH

Dakar, Senegal

100% Repaid

About This Loan

Loan Principal Disbursed: USD 499.99
Date Disbursed: Nov 13, 2012
Repayment Period: Number of months or weeks from disbursement until loan is fully repaid 12 months
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 12.02 (2.24%)
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 26.88 (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 38.90 (7.24%)

Funding

Lender Name Amount (USD) Interest
teanuh
(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.
10.000.00 %
MattLondon
(138)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 %
skoch
(20)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.
25.000.00 %
Susanne
(60)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.
20.001.00 %
Hope2012
(1,516)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.
10.531.00 %
Hope2012
(1,516)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.
29.521.00 %
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.
45.002.00 %
Oliver
(136)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.
9.002.00 %
Snake707
(41)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 %
eagle3
(351)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.
100.003.00 %
Krtecek
(144)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.
30.003.00 %
JimVandegriff
(143)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.
25.003.00 %
ProfStick
(54)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.
10.003.00 %
PascalC
(74)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.
10.773.00 %
hickorynut
(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.
40.003.00 %
faical
(96)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.
80.183.00 %

Repayment schedule


Repayments due as of Apr 23, 2014:  USD 0
Total repaid as of Apr 23, 2014:  USD 539
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.
Feb 09, 201348.99Feb 06, 201348.99
Mar 09, 201348.99Feb 06, 20130.48
  Apr 01, 201348.51
Apr 09, 201348.99Apr 01, 201330.63
  May 12, 201318.36
May 09, 201348.99May 12, 201348.99
Jun 09, 201348.99May 12, 20131.90
  Jun 11, 201347.09
Jul 09, 201348.99Jun 11, 20132.38
  Jul 22, 201339.57
  Sep 06, 20137.05
Aug 09, 201348.99Sep 06, 201332.53
  Oct 04, 201316.46
Sep 09, 201348.99Oct 04, 201333.01
  Nov 27, 201315.98
Oct 09, 201348.99Nov 27, 201348.99
Nov 09, 201348.99Nov 27, 201348.99
Dec 09, 201348.99Nov 27, 201349.07
Total Amount Due538.89Total Paid Amount538.97