tag:blogger.com,1999:blog-35885528572169547112024-03-12T17:52:15.207-07:00Niokobok: On partage, we share.boul_falehttp://www.blogger.com/profile/03717156156045596327noreply@blogger.comBlogger19125tag:blogger.com,1999:blog-3588552857216954711.post-61010406506179629982015-06-19T10:55:00.002-07:002015-06-19T10:56:22.163-07:00Why we do what we do...A really good friend of mine posted an article on my facebook wall a few days ago detailing the problems with traditional microfinance. The article contended that microfinance was not able to yield the results for which it was aimed: elimination of poverty.<br />
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Here is the article if you are interested: <a href="http://www.theguardian.com/global-development-professionals-network/2015/jun/10/the-microfinance-delusion-who-really-wins?CMP=share_btn_fb">http://www.theguardian.com/global-development-professionals-network/2015/jun/10/the-microfinance-delusion-who-really-wins?CMP=share_btn_fb</a><br />
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It is no lie that borrowers have not benefited under traditional microfinance platforms. When microfinance loans are being served to the poorest of the poor at 20-25% interest rate, there is something wrong with the picture. However, even though it may seem the lenders are those who are benefiting from exorbonent interest rates, it is not always the case. Under the traditional microfinance platform, a lot of money is spent on the traditional team of loan officers. The loan officers are those who check to see if the clients are loan-worthy as well as follow up with clients who are having problems paying their loans. All-in-all its these expenditures which cause the interest rates of the poorest of the poor to be very high. How can this system expect to be a poverty alleviator?<br />
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Now it is time that we shake up the traditional model of microfinance. I have spent the last two years in support of Zidisha's peer-to-peer mission. Zidisha is the first microfinance organization to be purely online, without expensive offices and loan officers. The team is a group of dedicated individuals (like myself!) who are a mixture of volunteers and interns. The only costs encountered by the platform are the costs for web design, the salary of the four paid staff members (the director and the web designers), and the costs of communication (text messaging and the occasional phone calls). Zidisha removes the cost of the middle man to benefit their borrowers. Recently Zidisha has slashed their interest rates to just 5% in effect to eliminate the potential of profit making for lenders.<br />
This is in effect why we do what we do at Zidisha and why I am here in Dakar for my second summer with the non-profit. Zidisha is slowly gaining recognition for its new approach to microfinance but there is still much work to be done on the ground.<br />
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I will keep you posted with updates via this blog.boul_falehttp://www.blogger.com/profile/03717156156045596327noreply@blogger.com2tag:blogger.com,1999:blog-3588552857216954711.post-24972511006781024102014-11-09T18:13:00.001-08:002014-11-09T18:13:04.884-08:00Not Just One But TWO Celebrations!Wow! How the rest of the summer flew by and now it is only November! I apologize I never wrote a good, reflective piece recounting the rest of my summer. Now the summer is long gone and I am returned home in the cold United States. My hometown is in Pennsylvania but I am currently located in Athens, Ohio, where I am attending Ohio University to study for a masters in International Development Studies. Ohio University's mascot is the Bobcat, which is pictured below.<br />
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My time in Senegal was winding down by the end of July, when I last posted. The last few weeks of my time in Dakar flew by quickly! The end of July marked the end of the Ramadan time of fasting for Muslims. We then celebrated Korite, which marked a time of busy tailors and jammed-packed markets. It is all worth it though because the holiday is an excuse to dress up in nice, new clothes and show them off to your family and friends. I had a beautiful new pink and blue, ornately decorated taille-basse for the holiday.<br />
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The holiday of Korite was celebrated on a Tuesday and I not only had one celebration that week but two! I had three new boubous made for one week! The Saturday, I tied the knot with my finacé of two years, Samba Drame. I had my hair done up nicely and had two beautiful dresses to sport for the day.<br />
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This was my second dress of the day, a beautiful white traditional dress made for me by my amazing brother-in-law, Ibreau Mbow. It was not only a beautiful day shared by many family and friends but my Zidisha friends were able to spend the day with me as well! Below is the picture is me, Erin Eagan, and Miriam Frost, three Zidisha Client Relationship Mangers in Dakar during summer 2014.<br />
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<br />boul_falehttp://www.blogger.com/profile/03717156156045596327noreply@blogger.com1tag:blogger.com,1999:blog-3588552857216954711.post-34959629819500158552014-07-21T16:16:00.002-07:002014-07-21T16:16:35.610-07:00New Borrowers, New Opportunities for Self-Employment<div style="text-align: center;">
One of the overarching goals of my summer was to bring on board new members to Zidisha in Dakar. I may say I did not expect to have the reception I did. There is opportunity on every corner, and even sometimes two or three in the same household. The last few weeks we have been able to successfully add two new clients that were in the same household.</div>
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Alioune Bandara Ndiaye</div>
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Alioune is a young Senegalese man searching for the means to begin his small business. He wishes to use his first loan to do some work on the already existing hen house where he lives. He will be able to raise hens that he can sell in Dakar for families to eat.</div>
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Khady Aminita Dione</div>
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Khady and Alioune actually live in the same household! Her business is a little different, focusing on selling palm oil. Palm oil in Senegal actually comes from the south eastern region known as the Casamance. It is important in cooking and in many other household uses in the Dakar region. Khady will use her first loan to purchase bottles in order to bottle the oil for redistribution.</div>
boul_falehttp://www.blogger.com/profile/03717156156045596327noreply@blogger.com2tag:blogger.com,1999:blog-3588552857216954711.post-54170690695655979502014-07-12T03:52:00.002-07:002014-07-12T03:52:18.590-07:00Client Spotlight: Youssoupha Samb<span style="background-color: #fefefe; color: #5f5b5b; font-family: HelveticaNeue, 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 16px; line-height: 24px;">This week I had the pleasure of meeting with Youssoupha Samb to discuss his business. This was not the first time I had met Youssou so I already knew of his outgoing and charismatic personality. Passionate for transportation our conversations ranged from local agriculture to the problems with large scale transportation operations in Senegal.</span><br style="background-color: #fefefe; color: #5f5b5b; font-family: HelveticaNeue, 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 16px; line-height: 24px;" /><br style="background-color: #fefefe; color: #5f5b5b; font-family: HelveticaNeue, 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 16px; line-height: 24px;" /><span style="background-color: #fefefe; color: #5f5b5b; font-family: HelveticaNeue, 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 16px; line-height: 24px;">Youssou has completed his first loan with Zidisha and is currently seeking his second loan with us. He works full time with the SEM Fund, an American NGO in Dakar, as a manager of logistics and will be continuing his studies commencing in this January in business. The SEM Fund and Zidisha have a close history in Dakar as the SEM Fund was our first local field partner. Youssou remembers these days nostalgically: "I was the one that cut the checks for other Zidisha entrepreneurs!"</span><br style="background-color: #fefefe; color: #5f5b5b; font-family: HelveticaNeue, 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 16px; line-height: 24px;" /><br style="background-color: #fefefe; color: #5f5b5b; font-family: HelveticaNeue, 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 16px; line-height: 24px;" /><span style="background-color: #fefefe; color: #5f5b5b; font-family: HelveticaNeue, 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 16px; line-height: 24px;">As he encountered Zidisha at his place of work, Youssou decided to try his hand at starting his own business. A friend taught him urban agricultural techniques, Youssou started his own garden at home lettuce which he sold to local restaurants. During the months from July to mid-October Senegal is plagued with heavy rains, destroying local livestock and vegetation. Unfortunately lasts years rain was extremely heavy, causing Youssou to lose most of his produce. He was thankful he had his job at SEM Fund so he could pay-off his loan.</span><br style="background-color: #fefefe; color: #5f5b5b; font-family: HelveticaNeue, 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 16px; line-height: 24px;" /><br style="background-color: #fefefe; color: #5f5b5b; font-family: HelveticaNeue, 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 16px; line-height: 24px;" /><span style="background-color: #fefefe; color: #5f5b5b; font-family: HelveticaNeue, 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 16px; line-height: 24px;">Even though his first project did not work out, Youssou was not discouraged. He and another family member are commencing another project. Sweet, tropical juices are popular with the Senegalese but most made locally contain a lot of sugar. Overconsumption is creating a rise in diabetes in Senegal. Youssou sees this as an opportunity to create a healthier alternative. He has been pressing juices at home, and with recommendations and critiques by family members and friends he has created several recipes that contain less sugar. Overstocking his family refrigerator, his family does not have adequate space to store food. He is applying for a second loan to help purchase his own refrigerator and finish up the labeling on his products.</span><br style="background-color: #fefefe; color: #5f5b5b; font-family: HelveticaNeue, 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 16px; line-height: 24px;" /><br style="background-color: #fefefe; color: #5f5b5b; font-family: HelveticaNeue, 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 16px; line-height: 24px;" /><span style="background-color: #fefefe; color: #5f5b5b; font-family: HelveticaNeue, 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 16px; line-height: 24px;">I had a pleasant visit with Youssou this week and I can't wait to see the progress of his business!</span>boul_falehttp://www.blogger.com/profile/03717156156045596327noreply@blogger.com2tag:blogger.com,1999:blog-3588552857216954711.post-68507550993417462422014-07-02T03:49:00.000-07:002014-07-02T03:49:32.303-07:00Client Spotlight: Yacine Moustapha Gueye<div style="font-family: Helvetica; font-size: 12px;">
Like we say in Wolof: Bal ma. I'm sorry for the slight delay between the posting of the last story and this one! When here in Senegal it is difficult to not want to be out spending time with friends and exploring new territory. Without further ado, here is a post about a meeting from a few weeks ago...</div>
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A few weeks ago Miriam and I had the chance to meet with borrower Mme. Yacine Moustapha Gueye in her market shop. Mme. Gueye is currently on her third loan with Zidisha. She uses the money from her Zidisha loans to purchase and import fabrics from Mauritania. Her third loan actually enabled her to travel to Mauritania herself to select her fabrics.</div>
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Dress is very important to Senegalese culture. Women are adorned daily from head to toe in brightly colored fabrics so there is a large market for products like what Yacine sells. Women will buy the fabric at the market and then take it to their local tailor to have them sew their boubou exactly to their design. Yacine does not just sell fabrics but she imports jewelry from France and India for resale. In addition she sells soaps and other fragrances.</div>
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Yacine is a strong and outgoing woman, and she thanked us multiple times for not only increasing her revenue but for helping African women with micro-lending. As many other Zidisha members Mme. Gueye is no different in the fact she is already planning what to do with her future Zidisha loans. She hopes in the future she can travel again to purchase more fabric as well as move into a larger shop in the Parcelles Assaines market.</div>
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<span style="font-family: Helvetica; font-size: 12px; text-align: start;">Yacine and friends posing with several fabrics in her market stall in Parcelles Assaines.</span></div>
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<span style="text-align: start;"><span style="font-family: Helvetica;"><span style="font-size: 12px;">Photo credit goes to my colleague Miriam! This photo turned out so well I could not help but want to share it!</span></span></span></div>
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boul_falehttp://www.blogger.com/profile/03717156156045596327noreply@blogger.com2tag:blogger.com,1999:blog-3588552857216954711.post-85966445684540494932014-06-18T15:39:00.002-07:002014-06-18T15:39:57.142-07:00"I want to be like Bill Gates." - Babacar Sall<!--[if gte mso 9]><xml>
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<span style="font-family: "Helvetica","sans-serif"; font-size: 12.0pt;">I had the pleasure of meeting with Mr.
Cheikh Mountaga Sall, who also goes by Babacar. He is a relatively new member
here at Zidisha, only receiving his first loan in March. But he has quickly
seen the benefits of Zidisha loans. He has recently joined Zidisha as Coach
Bénévole and recommended Zidisha to several members in his community.</span></div>
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<span style="font-family: "Helvetica","sans-serif"; font-size: 12.0pt;">Mr. Sall has been in his current business
now for over a year, commencing activities in April 2013. He imports cosmetic
products directly from the United States for resale in his neighborhood. He
buys products such as Dove soap, Crest and Colgate toothpastes, Listerine mouth
wash, perfumes, and other American products. He orders one or two boxes of
products each month, and he averages between 60,000 XOF to 75,000 XOF profit on
each box. The revenue is then directed towards family expenditures or
reinvested in his business. </span></div>
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<span style="font-family: "Helvetica","sans-serif"; font-size: 12.0pt;">Right now Mr. Sall sells his products
from home or goes to clients' houses. Even though his activities are currently
small in scale, Mr. Sall dreams to one day be able to fill a large boutique
with products. He knows there is a large demand for high-quality American
products, and the revenue from his boutique would allow him to invest in other
revenue-generating activities as well. "I want to be like Bill Gates. I
want to be the big man in the world," said Mr. Sall.</span></div>
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<span style="font-family: "Helvetica","sans-serif"; font-size: 12.0pt;">Solidarity and community are important
aspects of Senegalese culture. Everything from food to drinking cups are shared
among family members and strangers. It is also not uncommon to find many
members<span style="mso-spacerun: yes;"> </span>of the family living in one
household. Money is also not kept for oneself but is shared among the family.
For this reason, Mr. Sall stated that he often sells his products on credit,
asking his customers to pay two weeks after he distributes his goods.</span></div>
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<span style="font-family: "Helvetica","sans-serif"; font-size: 12.0pt;">Mr. Sall is very passionate about his
business and has great ambition. He enjoys greatly what he does because he has
been able to apply his university studies in his work. It has also enabled him
to remain autonomous, not having to work for someone else. I had a pleasant
visit today with Mr. Sall, and I only hope I have the pleasure to return to see
the progress of his activities.</span></div>
boul_falehttp://www.blogger.com/profile/03717156156045596327noreply@blogger.com3tag:blogger.com,1999:blog-3588552857216954711.post-41426978200335821612014-06-13T10:48:00.002-07:002014-06-13T10:52:28.265-07:00Making others dreams come true...little by little<!--[if gte mso 9]><xml>
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It is true that Zidisha's loans start off small. What can we
say, we are a community based in confidence. If you repay your loan on time,
your loan size will grow progressiely with each loan. Over the course of the
last three days, I have had the opportunity to witness the beginning of
financement for three entrepreneur's existing businesses.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjkJJL6yNVaT3DT6d2MQg_6RxBmw3-UXG11LKSW3JHYEsArcO81GKkOAZ1rivayRG55je5r7JhFQEaag5V-dd042eOqMXH2UVxZcUGcOS64jEARj7wWAOB9Z5uY4VhWwRSrf53VMPdJoac/s1600/pauline.JPG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjkJJL6yNVaT3DT6d2MQg_6RxBmw3-UXG11LKSW3JHYEsArcO81GKkOAZ1rivayRG55je5r7JhFQEaag5V-dd042eOqMXH2UVxZcUGcOS64jEARj7wWAOB9Z5uY4VhWwRSrf53VMPdJoac/s1600/pauline.JPG" height="240" width="320" /></a></div>
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Pauline Carvalho has a small hairdressing salon in front of
her home close to Sicap Rue 10, Dakar. She is the hardworking mother of five
children. She is asking for a loan to expand her already existing salon by
adding more cosmetics to create more revenue. Her future plans include
expanding her salon to be able to employ other hairdressers in her salon.</div>
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<img alt="Ndeye Arame Gueye" class="span10" height="320" src="https://www.zidisha.org/images/cache/23000/580x/23359.jpg" style="border: medium none;" width="320" /> </div>
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Ndeye Arame Gueye is the daughter of Pauline. She started her
tailor business just a little over a year ago, during April 2013. She works
currently for local cell phone company but started her own business in order to
gain independence. Even though now her shop is at home, she has big plans not
only to have her own boutique one day but she wishes to travel nationally and
internationally to model her clothing designs.</div>
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<img alt="Cheikh Ahmed Tidiane Gueye" class="span10" height="320" src="https://www.zidisha.org/images/cache/23000/580x/23162.jpg" style="border: medium none;" width="320" /></div>
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Cheikh Gueye has had his business in computers for over five
years. He sells new and used cell phones as well as repairs computers.
Yesterday we met with him in his in-home office to complete his profile and
post his loan application. One day, he wishes to have his own space for his
business and hopes to create employment for others as well.</div>
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I am thankful that I have had the opportunity to meet with so
many different entrepreneurs . It is truly inspirational to see their
determination and their ambition to make their dreams into a reality. I only
hope I have the chance one day to return and see how their businesses have
progressed.</div>
boul_falehttp://www.blogger.com/profile/03717156156045596327noreply@blogger.com5tag:blogger.com,1999:blog-3588552857216954711.post-35569372952310793802014-06-10T15:37:00.000-07:002014-06-10T15:37:05.715-07:00Attaya<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgiMNo73wehKcPCk7gLf5ioSWGQxh7q5cM6aaDOvjguVNmy-t0hxaR9eQYzBm0SUM7AGI6b_6JwT37J3yCyxxsrNEaTSkf-APV7Mchn3SoXjUarvMJbSpQcDHG8Fi1xC1ZbQlqAa9TyZuU/s1600/IMG_1346.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgiMNo73wehKcPCk7gLf5ioSWGQxh7q5cM6aaDOvjguVNmy-t0hxaR9eQYzBm0SUM7AGI6b_6JwT37J3yCyxxsrNEaTSkf-APV7Mchn3SoXjUarvMJbSpQcDHG8Fi1xC1ZbQlqAa9TyZuU/s1600/IMG_1346.JPG" height="320" width="240" /></a></div>
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<span>At Zidisha Senegal, we work hard to bring our clients the best service
that we can. Sometimes we need to rest with friends, enjoy some good
conversation, and drink some attaya. Attaya has to be one of my favorite pastimes in Senegal. It is a tea that is made in three stages, each one getting progressively sweeter by adding more sugar. After a late lunch, it is common to see people brewing attaya in their small tea pots to share with friends and family. I especially like sharing attaya with family and good friends.</span><br />
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<span><br /></span>boul_falehttp://www.blogger.com/profile/03717156156045596327noreply@blogger.com2tag:blogger.com,1999:blog-3588552857216954711.post-51750080481202392782014-06-02T04:32:00.002-07:002014-06-02T11:10:19.390-07:00Client Spotlight: Andre Mbar Tine<br />
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<div class="MsoNormal" style="text-align: center;">
Here is the story I wrote about our client, Andre Mbar Tine, in Dakar: </div>
<div class="MsoNormal" style="text-align: center;">
<br /></div>
<div class="MsoNormal" style="text-align: center;">
Dear Lenders,</div>
<div class="MsoNormal" style="text-align: center;">
<br /></div>
<div class="MsoNormal" style="text-align: center;">
My name is Paige Klunk, and I am currently a Client
Relationship Manager in Dakar. I met with Andre last week in his home in
Parcelles Assaines. Andre has been a member of Zidisha for three years. He is
currently repaying his second loan and serves as a Coach Bénévole. He lives in
Parcelles Assaines Unité 16 with his wife and son.</div>
<div class="MsoNormal" style="text-align: center;">
<br /></div>
<div class="MsoNormal" style="text-align: center;">
Andre works in the business of selling alcohol from his
home. He knows red wine is undoubtedly the most popular with the Senegalese. He
often imports red wine from Guinea Bissau because it is less expensive.<span style="mso-spacerun: yes;"> </span>He imports five cartons of red wine at a time
which comes with twelve bottles in a carton. Andre pays 15,000 XOF for the
carton plus the transportation, which is roughly 3,500 XOF. The total cost is
for each carton is 18,500 XOF. If the carton arrives safely in Dakar, he can
resell each bottle for 2,000 XOF. Each carton he sells for a total of 24,000
XOF. Andre says the returns are minimal right now but he is optimistic with his
future endeavors.</div>
<div class="MsoNormal" style="text-align: center;">
<br /></div>
<div class="MsoNormal" style="text-align: center;">
Andre is currently in the process of obtaining a license to
sell liquor. Even though it is a lengthy process, he affirms that in time he
will reap from the benefits. After obtaining the license, he is planning to
open a boutique nearby his home. Once he opens the boutique, he knows his
revenues will increase. His plans do not stop with having his own boutique, he also wishes to start his own taxi business.</div>
<div class="MsoNormal" style="text-align: center;">
<br /></div>
<div class="MsoNormal" style="text-align: center;">
Andre could not say thanks enough for what the Zidisha loan
has done for him and his family. Investment in his entrepreneurial activities,
Andre explained has allowed him to be able cover family expenditures that they
were unable to cover previously. Not only has it increased his family's
financial capacity but it has provided Andre with the personal satisfaction of
working autonomously. He said he could not praise Zidisha lenders enough for
giving him with the opportunity to start his own business and work for himself.</div>
<div class="MsoNormal" style="text-align: center;">
<br /></div>
<div class="MsoNormal" style="text-align: center;">
Sincerely,</div>
<div class="MsoNormal" style="text-align: center;">
Paige Klunk</div>
<div class="MsoNormal" style="text-align: center;">
Senegal Client Relationship Manager</div>
<div class="MsoNormal" style="text-align: center;">
Zidisha Inc</div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhSqXQbO2dPotd8S75zPwasJhNtMIqDK2jnz6L-10AxcRKB0-zMYu6SMOdoFoLDCPSm79gQuUP62qu_rofI7Z_H1Kfv6OIuOjdlc_pqQqjxYq0eH4TGsDXdNjz0SbLBfuaUW_JzdpoxfyE/s1600/IMG_1225.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhSqXQbO2dPotd8S75zPwasJhNtMIqDK2jnz6L-10AxcRKB0-zMYu6SMOdoFoLDCPSm79gQuUP62qu_rofI7Z_H1Kfv6OIuOjdlc_pqQqjxYq0eH4TGsDXdNjz0SbLBfuaUW_JzdpoxfyE/s1600/IMG_1225.jpg" height="320" width="315" /></a></div>
<br />
<div style="text-align: center;">
Andre sitting in his living room. </div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjqA_-L9okqn3DlMMfO_sEzooEEy4wY3aDBhwfnT2TUAM77-h3Kq3L9e7FUeFZHVwE8qhAGpYv1Pjyf1rVC90KL0NrCkrJHSwHLJlHI6LjYq8EIFsl8RjPREZs8OD-V5PGyltEg430RKJk/s1600/IMG_1227.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjqA_-L9okqn3DlMMfO_sEzooEEy4wY3aDBhwfnT2TUAM77-h3Kq3L9e7FUeFZHVwE8qhAGpYv1Pjyf1rVC90KL0NrCkrJHSwHLJlHI6LjYq8EIFsl8RjPREZs8OD-V5PGyltEg430RKJk/s1600/IMG_1227.jpg" height="240" width="320" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhU2Rbpa0WEOH2PA5Gmt3Qp1cnibLsMZMolrmYvqp9dIRiArCiCPdv-KrX1J2L7h7GkzAxSGnEKNKkX4dm4cVyXFrZglTiBy9bWyAMJVBjyQPn0_oHuieu1gdAe6RTQFhyJKyqvNH4wTuA/s1600/IMG_1228.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhU2Rbpa0WEOH2PA5Gmt3Qp1cnibLsMZMolrmYvqp9dIRiArCiCPdv-KrX1J2L7h7GkzAxSGnEKNKkX4dm4cVyXFrZglTiBy9bWyAMJVBjyQPn0_oHuieu1gdAe6RTQFhyJKyqvNH4wTuA/s1600/IMG_1228.jpg" height="320" width="240" /></a></div>
<div style="text-align: center;">
Andre's apartment building in Pacelles Assaines Unite 16. </div>
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<br />boul_falehttp://www.blogger.com/profile/03717156156045596327noreply@blogger.com0tag:blogger.com,1999:blog-3588552857216954711.post-50916832835228906092014-05-31T02:49:00.001-07:002014-05-31T02:49:31.717-07:00Zidisha's Program Sustainability in SenegalOne overarching goal of my summer is finding ways to make our program more sustainable in Senegal. One way we are able to accomplish this is by training local volunteers who live in country and who are passionate about Zidisha's mission and willing to give their time to find others who will benefit from our program. At the same time these mentors are here to coach and help those who are facing financial difficulties in the repayment of their loans. Our Coach Benevole program is designed to give fiscal incentive to those who are willing to above and beyond just borrowing from our system to dedicating their time to helping others. Last Friday we welcomed our newest member to our Coach Benevole program, Cheikh Mountaga Sall (who also goes by Babacar).<br />
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Members like Babacar are truly the future of Zidisha and will leave their imprint not only on our community but will also have their part in the global movement against unemployment. Photo credit goes to my colleague, Miriam Frost.boul_falehttp://www.blogger.com/profile/03717156156045596327noreply@blogger.com0tag:blogger.com,1999:blog-3588552857216954711.post-66792664943064334212014-05-29T03:17:00.000-07:002014-05-29T03:20:12.814-07:00One Entrepreneur's Passion for Animals<!--[if gte mso 9]><xml>
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<div class="Default">
Last Thursday, I had the opportunity to meet with Ameth Seck,
one of Zidisha's newest borrowers. He received his first loan in April, enabling him to increase his chicken raising business. He purchased ten
chicks at one day old. He raised, fed, and medicated them for 45 days, from when he sold them for 2,500 XOF to 3,000 XOF each ($5-$6) to gain a small profit. Contagiously smiling from when I first shook his hand, I knew Ameth was a very
unique and forward thinking individual. His passion for animals was evident in
the way he described what he did and his future plans.</div>
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Even though the commencing loan is small, Ameth is already
thinking ahead about what he will do to expand his production capabilities. He
showed us with eagerness his plans to add cupboards around he two rooms to hold
even more chickens. He also wishes to add an automated water reservoir to add
not<span style="mso-spacerun: yes;"> </span>only to the number of chickens he
can have at one time but also minimize the number of times a day he needs to
give them water.</div>
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Ameth's passion for animals was evident in how he described
what he does .He has two dogs which he raised and trained himself who respond
to his commands in Wolof (my eyes went wide when this happened). He also showed us an old aquarium he owns which
he said he would one day like to fill with water to have fish to raise and
sell. Ameth's forward thinking is a quality unique among entrepreneurs, and I
was pleased to have the opportunity to have the chance meet him.</div>
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boul_falehttp://www.blogger.com/profile/03717156156045596327noreply@blogger.com0tag:blogger.com,1999:blog-3588552857216954711.post-48991455995613235072014-05-27T15:13:00.001-07:002014-05-27T15:13:08.763-07:00Eco-friendly Products Presentation<div style="text-align: center;">
Two days last week I had the pleasure of traveling with our Coach Benevole, Ndate Dieng, as she gave her presentation of the SEM fund products.</div>
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This stove uses a sustainable biomass that is actually grown locally in Senegal. The SEM fund planted 27,000 of the trees themselves with a local field partner. Small pieces of the wood are put in a small chamber in the bottom of the stove. This is a safer stove than the charcoal stoves that are popularly used in Senegal because it emits fewer indoor air pollutants, such as carbon monoxide, carbon dioxide, and particulates.</div>
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Ndate holding the stove during her presentation.</div>
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This is the EcoSac, which is actually manufactured locally by another Zidisha member! If you partially cook a meal, you can take the pot off the stove and put it in the EcoSac, which will finish cooking it for you. This can also be used as temporary refrigeration.</div>
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This was one of the group of participants in one of the presentations that Ndate gave. At the second presentation, she successfully sold a stove and one of the solar powered lamps. I only look forward to continuing to follow Ndate's success!</div>
boul_falehttp://www.blogger.com/profile/03717156156045596327noreply@blogger.com2tag:blogger.com,1999:blog-3588552857216954711.post-34859156531565796782014-05-22T11:55:00.000-07:002014-05-22T12:14:36.181-07:00A Day in Gorom with AFAO.<div style="text-align: center;">
Last Friday I had the unique opportunity to see the AFAO Senegal factory where women work transforming agricultural products and create local yummy juices, like bissap and many others.</div>
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This is the outside of the factory in Gorom. It was about a two hour bus ride outside of Dakar. </div>
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This is the juice stand located in the profile picture of Mme. Magatte Fall, who I wrote about in my last blog post. Her loans have helped fund the juice stand. Her latest loan bought a freezer to store her juices. </div>
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The neighborhood surrounding the factory. It was very quaint, set out in the country. I was fortunate enough to travel there with our Coach Benevole, Ndate Dieng, who is also a member of AFAO.</div>
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I had the pleasure of being presented to the President of AFAO Senegal, Khady Fall. Here she is pictured with several other members of AFAO Senegal. </div>
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The interior of the factory where the women ground local agricultural products. </div>
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Pictured above with a few packages of the ground corn and couscous. To my right is our Coach Benevole, Ndate.</div>
boul_falehttp://www.blogger.com/profile/03717156156045596327noreply@blogger.com0tag:blogger.com,1999:blog-3588552857216954711.post-18807786053239782902014-05-15T10:22:00.004-07:002014-05-21T16:09:21.023-07:00Tropical JuicesHere is a copy of the story I wrote on Mme. Magatte Fall's Zidisha profile page: <br />
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My name is Paige Klunk, and I am currently a Client Relationship Manager
for Zidisha in Senegal. Yesterday, Miriam and I had the opportunity to
meet Mme. Magatte Fall at the office of AFAO in Dakar. She met us in
front of the building with a warm smile and gentle wave, leading us
upstairs to her fifth floor office.<br />
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Mme. Fall is currently on her second loan with Zidisha. Her first loan
enabled her to commence her business of making juices, and with her
second loan she was able to expand by buying a freezer to store the
juices she makes. The freezer was a great success! Mme. Fall's business
has doubled.<br />
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The benefits of Mme. Fall's loans are evident in how she supports her
family and her local community. She mentioned she was able to pay a
full year's tuition for her son, who just past his baccalaureate exam!
Not only does her family benefit but she supports the sustainability of
her association as well. Women who are members of the association
actually buy juices and other goods from her to resell.<br />
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While discussing the success of her business, Mme. Fall was also very
eager to talk about her full-time work. Mme. Fall is Technician of
Health at AFAO Senegal, also known as WAWA (West African Women's
Association) in English. She travels often to rural areas to educate
about the prevention of diseases, such as malaria and AIDs. AFAO also
gives women the formative and educational tools they need to be
successful in their trade. Mme. Fall proudly showed us several of the
pamphlets that AFAO uses, ranging from topics on how to package local
foods for resale to pamphlets educating on importing goods through
customs.<br />
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Mme. Fall's success has not only benefited her family but her local
community as well. She is very motivated with her work with AFAO and is
proud of the success of her business. Miriam and I had a pleasant visit
with Mme. Fall, and I only look forward to the next time I can visit to
see how Mme. Fall's work has continued to progress.<br />
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Sincerely,<br />
Paige Klunk<br />
Senegal Client Relationship Manager<br />
Zidisha<br />
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Edit: Here are the photos, finally! So sorry for the delay. Credit goes to my colleague, Miriam Frost.<br />
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Here Magatte is pictured on the left with her colleague Ndate Dieng, who is also a member of AFAO. <br />
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Proudly holding the jars of vegetables canned and packaged by AFAO members. <br />
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<br />boul_falehttp://www.blogger.com/profile/03717156156045596327noreply@blogger.com0tag:blogger.com,1999:blog-3588552857216954711.post-17563066629104315122014-05-14T15:12:00.002-07:002014-05-14T15:12:22.906-07:00Ceebujen<!--[if gte mso 9]><xml>
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<![endif]--><span lang="EN" style="font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 115%; mso-ansi-language: EN; mso-bidi-font-family: Calibri; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast;">One of my favorite
cultural aspects of Senegal is ceebujen. Now that I have been back
in Senegal for nearly three weeks, I have had my fair share already. I
have been fortunate enough to meet with a few clients already that have invited
me to stay for lunch.</span><br />
<br />
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiW3qxLBcImHrAJwUnLK2t1ULQ67pvcE7Bzi2kez76Q5zDu9ftN4JUv_RfTvzF7OHEmt7jk6apa6ZRdyHlp7osRe0RVBZPL212tcLaua5Pexa3N0p3u7JQUDrzqx3h3SL_9UcGA3z71eVQ/s1600/ndate.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiW3qxLBcImHrAJwUnLK2t1ULQ67pvcE7Bzi2kez76Q5zDu9ftN4JUv_RfTvzF7OHEmt7jk6apa6ZRdyHlp7osRe0RVBZPL212tcLaua5Pexa3N0p3u7JQUDrzqx3h3SL_9UcGA3z71eVQ/s1600/ndate.jpg" height="240" width="320" /></a></div>
<span lang="EN" style="font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 115%; mso-ansi-language: EN; mso-bidi-font-family: Calibri; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast;"></span><br />
<br /><span lang="EN" style="font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 115%; mso-ansi-language: EN; mso-bidi-font-family: Calibri; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast;"> Coach Benevole Ndate Dieng and I after our first meeting when she posted her first loan application. She will sell solar charging lamps that double as cell phone chargers. I have met with Ndate now twice and she has invited me to stay for ceebujen both times.</span><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<span lang="EN" style="font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 115%; mso-ansi-language: EN; mso-bidi-font-family: Calibri; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast;"></span><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi7VsNZlJFbVKAZJuZw0Xbo85yVhG_zY0I2pWDyM1TSTej9qPH4eDJwAjeNXOPS8IGUCsFcjAvQ1VXNyEuGQ1_WnUwtxRudz4feGqN3825vHREjpLCKaeSGDkWoeyPdiVklE0vF9dYfuhM/s1600/IMG_1130.JPG" height="240" width="320" /></div>
<span lang="EN" style="font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 115%; mso-ansi-language: EN; mso-bidi-font-family: Calibri; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast;"><br /></span>
<span lang="EN" style="font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 115%; mso-ansi-language: EN; mso-bidi-font-family: Calibri; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast;">The remnants of the ceebujen after my second visit with Ndate. Hard work only means the ceeb tastes better and there is less leftover. Today I was fortunate enough to meet with another member of Zidisha. But I will write more about that later!</span><br />
<span lang="EN" style="font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 115%; mso-ansi-language: EN; mso-bidi-font-family: Calibri; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast;"><br /></span>boul_falehttp://www.blogger.com/profile/03717156156045596327noreply@blogger.com0tag:blogger.com,1999:blog-3588552857216954711.post-51035407646222486982014-05-09T00:38:00.003-07:002014-05-09T00:40:23.352-07:00Mobile Money: Reaching to the Far Edges of the GlobeMobile money is revolutionizing the microfinance realm. It enables people in corners of the globe to use their cell phones or money transfer locations to send money to far away financial institutions or family members. Our Kenyan program uses the successful MPESA system for repayments and loan distributions. For a client to send their repayment, it is only a few quick pushes of buttons on their phone to send their repayment to our account. When their funds are ready for use, they receive an SMS notification direct to their cell phone.<br />
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Since I joined Zidisha over a year ago, our West African program has partnered with a regional bank. Working with a bank is not only difficult for us but for our clients as well. A bank offers the traditional capitalistic mindset to those who are working on a humanitarian project. The bank also assumes most clients are inferior in mindset to their own workers. For six months now, I have been working to change our West African partnership to a company that is not only more non-profit friendly but will allow our clients to never have to set foot in a traditional financial institution again.<br />
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The partnership is close to being finalized and I will be more than excited for both parties when it is completed. I will write again when I have more news.boul_falehttp://www.blogger.com/profile/03717156156045596327noreply@blogger.com2tag:blogger.com,1999:blog-3588552857216954711.post-19651109253905436092014-05-04T03:39:00.001-07:002014-05-04T03:39:12.750-07:00The Senegalese TerangaI have been very fortunate this week. Upon my arrival in Dakar, I expected to have an apartment ready and waiting for me in Ouakam. When I went to see it, however, it was not as I expected. I have been fortunate to have a Coach Bénévole here offer to open his house to me until I find an apartment for the next three months. Terenga in Senegal will never cease to amaze me. They have been so friendly, stuffing me full of yassa and ceebujen as well as attaya, traditional Senegalese tea. Contrastingly there are a few not so good Senegalese that will try to take advantage of your lack of knowledge of the country. For the most part, however, most here are genuinely good and are very, very hospitable.<br />
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This is a picture of Malick with our CIEE intern, Haley, going over the Coach Bénévole orientation. Keep your fingers and toes crossed for me. I should have a place secured in Point E commencing tomorrow. But until then, a special thanks to Malick and his wife Awa for their generosity!<br />
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boul_falehttp://www.blogger.com/profile/03717156156045596327noreply@blogger.com1tag:blogger.com,1999:blog-3588552857216954711.post-48031933610490450472014-04-29T05:02:00.001-07:002014-04-29T05:02:26.855-07:00The Future of Sustainable Energy<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjTw6DxeojzDp3-ToKo4V8kM5_u4FCTPIS1gj2qGsNZKtK5rErIjTVQb2dDkvupTl-DM8-4YdjXoT5bWgFP72nl4iCVV7z6uxEUavPbnFxJhtZW5CowyGfJMRrC-T_u4XjvICe6BMGYd68/s1600/Screen+Shot+2014-04-29+at+11.54.23+AM.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjTw6DxeojzDp3-ToKo4V8kM5_u4FCTPIS1gj2qGsNZKtK5rErIjTVQb2dDkvupTl-DM8-4YdjXoT5bWgFP72nl4iCVV7z6uxEUavPbnFxJhtZW5CowyGfJMRrC-T_u4XjvICe6BMGYd68/s1600/Screen+Shot+2014-04-29+at+11.54.23+AM.png" /></a></div>
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Sustainable energy has become one area of research in international development. It is a goal of a local NGO called the SEM Fund to transmit several eco-friendly products. Their line of sustainable products includes an eco-friendly stove, a lamp, and an eco-sack. Yesterday Miriam and I were fortunate enough to meet with a client of ours that is taking her first loan in order to sell these products in Dakar. I am only hoping we will be able to assist more clients in taking loans in order to augment this excellent project. Below is a picture and a description of the eco-lamp. Both images were borrowed from the SEM Fund website: http://www.sem-fund.org/ Please visit their website for more information about their projects.<br />
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<br />boul_falehttp://www.blogger.com/profile/03717156156045596327noreply@blogger.com0tag:blogger.com,1999:blog-3588552857216954711.post-26342859495527336542014-04-27T16:52:00.001-07:002014-04-27T16:52:40.172-07:00Bienvenue au Senegal!! (again?)Yesterday morning I arrived in Dakar early my fifth trip to Senegal for my most exciting stay yet! My purpose here is that I am here in Dakar working as a Client Relationship Manager for an American microfinance non-profit known as Zidisha. Zidisha is a word in Swahili, which means "grow" or "multiply." It is the first true peer-to-peer microfinance institution to now be assisting entrepreneurs in 8 countries with no real office. All the work is done by a group of dedicated volunteers who draw no remuneration but believe deeply in the work we do. I have been working with Zidisha now for more than one year and now have been blessed with the opportunity to return to Senegal to see the program first hand.<br />
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Phew! It is close to midnight already! Must go to sleep, tomorrow will be here before I know it!boul_falehttp://www.blogger.com/profile/03717156156045596327noreply@blogger.com2Dakar, Senegal14.7645042 -17.36602859999993614.5187987 -17.688752099999935 15.010209699999999 -17.043305099999937