Kebemer, Senegal Microfinancing and Bank loans in Small communities

Kebemer, Senegal
Collecting rubbish may not sound like an entrepreneur's dream, but it has given new financial freedom to a group of women in the small Senegalese town of Kebemer.
The women borrowed money to buy a horse and cart, employed rubbish collectors and now earn a salary by cleaning up the streets on a daily basis.


The project has not only reduced health problems, but it has also created income and employment for 20 people

Mahmoud Diop 
The local authorities don't have the money or resources to collect rubbish, leading to illnesses amongst the children playing outside, explains the project's director, Mahmoud Diop.
That means that people can see the benefits of the daily service and are willing to pay for it, Mr Diop told BBC News Online.
"The project has not only reduced health problems, but it has also created income and employment for 20 people."
The idea of a new force of dustbin women was first conceived four years ago, getting off the ground after Christian Aid provided the loan for the first horse and cart.


The women have increased their power to provide for their household

Mahmoud Diop 
The women have since earned the money to buy more than 300 dustbins, 10 horses and carts and employ administrators to organise the project, which now spans 500 homes.
There have also been profits left over to invest in new money-making projects, including travelling to Mauritania and Gambia to buy shoes for resale in their local towns.
"The women have gained a huge amount of financial independence and increased their power to provide for their household," Mr Diop said.


A new force of dustbin women are on Senegal's streets
 
 
By Briony Hale
BBC News Online business staff 


The world's most influential leaders are thrashing out strategies to improve the plight of the poor in Africa. But many aid agencies stress that genuine economic development must come from small-scale projects as well as large international initiatives. BBC News Online tells the tale of three local entrepreneurs.

Click below to read their story

Mali's new female banking force

The riches in Senegal's rubbish

Advanced bee-keeping in Ethiopia
Bamako, Mali
In the space of five years, Mariam Jaras Dirassouba has risen from being a housewife to being a bank manager.
She had been unemployed with no access to credit and few opportunities to generate cash to support her family.
Now she has the authority to grant loans of up to $1,000 to local people wanting to start out in business.


The challenge ahead is to keep recreating the bank on a larger scale

Mohammed Mahmoud
Oxfam, Mali 
It all began when a group of Malian women started borrowing small sums of money of up to $50 from an Oxfam-backed local organisation.
With their loans, the women pioneered money-making projects, including selling spices or kindling in the local markets.
Having experienced the benefits of credit, the women demanded training to set up a cooperative bank to help their friends and neighbours.
With 260 women now involved, the bank has grown to the point where it can issue loans big enough to finance much more ambitious business plans, including a mango juice factory and a cloth dying business.


Mali's formal banking sector is a no-go area for many women

Mme Jaras Dirassouba has risen to be in charge of the bank, and is guiding its growing contact with Mali's formal banking system.
"Poor women would never normally have access to credit from the formal banking system," Mohammed Mahmoud, Oxfam's director in Mali told BBC News Online.
"Many can't read and write, they don't know how banks work, and could never submit a business plan.
"These women have gained the skills to access the formal banking system whilst giving other women the chance to borrow money to start out in business.
"The challenge ahead is to keep recreating the bank on a larger scale and see how it can grow again."