Lauréate du 2ème prix de la catégorie ‘’Meilleure Femme Microentrepreneure’’ des awards 2011 de la fondation Citi et PlanetFinance –
Après 7 ans de travail en tant que réceptionniste dans un hôtel, Souad Agouzzal décide en 2008 de créer sa microentreprise et ouvre un snack-café ‘’LE SNACKY’’. Se lancer dans la restauration n’a pas été facile pour Souad à cause du regard de la société qui conçoit moins ce métier pour les femmes et du fait de l’énorme travail que cette activité impose. Mais, sa force de caractère, son sérieux et sa ténacité lui ont permis de relever le défi, de réussir dans son projet et d’être ainsi la première femme de sa région à gérer une microentreprise de restauration rapide.
Pour financer son projet, Souad a eu recours à plusieurs microcrédits qu’elle a contracté auprès d’AlAmana qui lui ont permis d’aménager et d’équiper son snack en veillant à avoir les bonnes conditions d’hygiène et de confort pour ses clients.
Grâce à son savoir faire, son sens managériale et son sérieux, Souad a pu développer sa microentreprise qui offre son propre emploi et celui de 3 autres personnes à plein temps à quelques emplois temporaires en haute saison. Le développement de son activité lui a généré un revenu suffisant pour honorer ses engagements, rembourser ses prêts, subvenir aux besoins des siens et réaliser une épargne qu’elle a consacré à la construction de la maison où elle réside actuellement avec sa grande famille composée de 7 personnes.
A 33 ans, Souad est aujourd’hui fière de sa réussite et de la relation de confiance qu’elle a construite avec AlAmana Microfinance qui lui a assurer le financement, le conseil et l’accompagnement nécessaires pour le développement de son projet et elle remercie AlAmana et les agents de son agence Y7 à Zagora
Sixty-year-old Egyptian Mohamed Hassan has been in the pottery business since childhood. He and his son run a small workshop that produces pottery sold in the local community. Aiming to expand his business and provide a better life for his family of five, Mohamed turned to Grameen-Jameel partner, The Dakahleya Businessmen Association for Community Development (DBACD) in Mansoura.
He received his first loan for EGP 1,000 and allocated it to buying the raw materials he needed. At present, Mohamed can produce a larger variety of pots; ranging from pots for dairy products, water and food storage, to plant pots as well as other decorative products.
To date, Mohamed’s workshop produces 500 pottery products per week, selling each for EGP 250. He has repaid his previous loans and recently applied for a new loan amounting to EGP 6,000. He plans to purchase a 2,000 square meter piece of land in order to expand his workshop space, increase production, store, as well as display his merchandise. Thanks to the financing he has received, his operation has expanded considerably. Mohamed’s next step in expanding his microenterprise into exportation of his wares is to invest in a new kiln. “The loan has changed my life” says Mohamed “Now my revenue has increased and my household income has improved,” he added.
In an effort to support her family during difficult economic times, Melek Çevik, a single mother of two, established her own sewing business. In spite of the numerous challenges she faced, including finding the space to set up the business as well as struggling against the pressures from her family who discouraged the idea of starting a business, Melek approached Maya Enterprise for Microfinance, Grameen-Jameel’s partner in Turkey. Maya approved two loans to buy two sewing machines and some raw material to start up her business.
After the business was set and running, Melek decided to continue her education in order to gain a teaching certificate in her skill. In 2011, she opened a local course in collaboration with the Public Education of Turkey to share her expertise with the community. Through the extra income she received from teaching, she was able to further increase her revenue and expand the business.
“In already difficult living conditions, finding the money to do business is very difficult especially when under the pressure of providing for my children’s future, especially when the people around you try to obstruct you.” Melek says. Despite the difficult times she has faced, Maya’s support had a strong impact on what she was able to build today.
Fifty-year-old mother of two, Bahia Abu Ziad is the sole breadwinner of her household. Since 2000, she has been preparing canned goods from her home in order to support her two children as well as her husband’s five children.
The turning point, according to Bahia, came in 2007 when she applied for a loan from the Lebanese Association for Development (Al Majmoua), a Grameen-Jameel partner in Lebanon. After four consecutive loans that assisted in creating a solid foundation on which to build her business, Bahia was able to not only expand her business by hiring three female workers, but also by establishing a store in which to sell her product.
To date, Bahia participates in several exhibitions, which attract a lot of interest in her product, and plans to further increase her production through various expansion plans. Her strong will and ambition, combined with the essential financial support from Al Majmoua, have made her the successful businesswoman she is today who is able to provide a good standard of living for her family.
Fadma Chaabi, a forty-two year old mother of four living in Ait Maalla, a rural area in Morocco and one of the poorest regions in the country with challenging demographics, is a specialized weaver of traditional Moroccan Amazigh and Middle Atlas rugs.
In 2008, looking to transform her talent into a business, she applied for a microcredit loan from the Azilal branch of Fondation Al Karama de Microcredit, Grameen-Jameel’s partner in Morocco, and received her first loan amounting to 1,000 Moroccan Dirhams (USD 128) to purchase looms needed for weaving.
Following the success and growth of her project, Fadma applied for two additional loans from Al Karama amounting to 5,000 Dirhams (USD 640), which helped her increase her capital and employ 30 women in her project. A third loan amounting to 3,000 Dirhams (USD 384) was used to purchase the required raw materials and further scale her project.
A strong will, talent and ambition, combined with Al Karama’s financial support led Fadma to grow her project, become an employer and participate in many exhibitions throughout the country where she got high exposure and demand for her products.
Today, Fadma seeks to create a cooperative, and is a proud winner of Al Karama’s 2011 “Best Micro entrepreneur” prize of Western region of Morocco.
Saba’a Al Bishari, a 33 year old lady from Dhamar city (Dhamar Governorate, 70km south of Sanaa) and a mother of 3 children, was a housewife. Saba’a had a project in mind for children, yet did not know how she could pursue her dream. She soon heard of National Microfinance Foundation (NMF), Yemen, and applied for a loan. This loan was used as the start-up capital for a project to create mini outdoor rides for the kids in her neighborhood, which they could ride for a fee. Her very small project proved to be a success and she was able to save some money. Saba’a’s success prompted her to rent a yard, and with the help of a larger NMF loan, she installed play stations, which then became the first children’s theme park in Dhamar. During the Eid festivities, the project generated profits and recovered a significant part of her investment. She is now looking to expand the project by adding additional equipment; as well as the possibility to buy horses suitable for fun rides for children.
NMF awarded Saba’a with the ‘Best Clients Project Award’ for the year 2012 in recognition of her success in turning a start up project into a success story in her city. Saba’a’s success in her micro enterprise has had a substantial impact on the standard of living of her family, and she is now able to provide her family with better education and healthcare.
My name is Nazife. I live in Isparta where I was born and raised. I was introduced to TGMP three years ago. With my first microfinance loan I bought underwear products. With the money I earned from this I also started to sell textile products. In 2011, with the entrepreneur loan of 1,000 TL and the basic loan of 1,000 TL, I opened a small variety shop. After seven months I received a parallel loan and started to sell clothing in my shop as well. With the profits I made from clothing sales I went to the wholesaler and paid my thread debt. I have recently used a loan of 1,500 TL. With this money I have brought tableware into my shop since the wedding season has started. Now I want to go out into the markets. In order to do this I am hoping to receive a loan to buy a counter and a vehicle.