Laurie

Country

United States

About

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *

Egalitarian, environmentalist, humanitarian, mostly vegan (98%), I prefer working with others of like-mind and heart. :-)

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *

FIVE (5) OF MY FAVORITE QUOTES:

1.) "Live simply so that others may simply live." -Mahatma Gandhi

2.) "If you can't feed a hundred people, then feed just one." -Mother Teresa

3.) "When the power of love overcomes the love of power, the world will know peace."
-Jimi Hendrix

4.) "Humanity is going to require a substantially new way of thinking if it is to survive."
-Albert Einstein

5.) "All truth goes through three stages. First, it is ridiculed. Then, it is violently opposed.
Finally, it is accepted as self-evident." -Arthur Schopenhauer

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *

If you're looking for other information I previously had posted on this page, you can find some of it here: rootcause.site123.me (Edited: 2019-10-19 at 12:15 A.M., E.D.T.)*

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *

*If you've ever visited the pages of the website before, chances are that your device would present you with an *older* cached version of each page on the website. :-(

1... To see the most recent version of a page, please do a HARD-REFRESH on each page. That will bypass the cache of the page on your device and will show you the most recent version of the page that exists on the website's server.

Doing a HARD-REFRESH *won't* clear your cache, though (which is something you should do periodically, anyway, and a link to information about how to do that is a little farther down on this page).

Here's some information about how to do a HARD-REFRESH, if you don't already know: www.wisegeek.com/what-is-a-... [what-is-a-hard-refresh.htm]
"...the command or control key is held down while clicking on the refresh button or pressing F5. Alternatively, the user can hold down the shift key, the command/control key, and the letter R. A hard-refresh will bypass any cached files and display the web page as it currently appears on the server."

Here's more detailed information about how to do a HARD-REFRESH, specifically on Google Chrome and Mozilla Firefox (Windows/Linux & Mac) and on Safari (Mac), on DESKTOP COMPUTERS and LAPTOP COMPUTERS: www.sleeplessmedia.com/2016... [2016/04/20/how-to-hard-refresh/]

And here's how to do a HARD-REFRESH on Chrome, Firefox, IE, and Safari browsers, on MOBILE DEVICES: www.sleeplessmedia.com/2016... [2016/04/20/how-to-hard-refresh-on-a-mobile-device/]


2... As mentioned above, it's also a good idea to CLEAR OUT THE CACHE on your device. (This is *different* from doing a hard-refresh, which only bypasses the cached version of a page.)

Here are instructions on how to CLEAR OUT THE CACHE on various devices:
www.wikihow.com/Clear-Your-... [Clear-Your-Browser%27s-Cache]
"Cached information... can... prevent you from seeing the most up-to-date version of a webpage; in some cases, it can also cause the webpage to load improperly or fail to load at all. You can clear the cache in all popular browsers, including Chrome, Firefox, Edge, Internet Explorer, and Safari." (Click on the link for instructions.)

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *

Zidisha Lender since 2015-01-23.

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *

2015-03-26 through 2018-10-16:

Served as a Country Liaison and (after gaining some experience) also as a Team Lead for the Country Liaison & Payment Teams for Burkina Faso, Guinea, Niger, Senegal, and Zambia.

Some time ago, the Director found that the money-transfer partners (Ecobank branches) for Burkina Faso, Guinea, Niger, and Senegal weren't viable for Zidisha, any longer. Despite trying for a long time, she hasn't been able to find a replacement money-transfer partner in those countries, compatible with Zidisha's newer requirements. Therefore, Zidisha unfortunately isn't offering loans to anyone in those four Francophone countries, anymore.

See: www.zidisha.org/loan/market... [discussion#comment-663213] and: www.zidisha.org/forum-threa... [forum-thread/6069#comment-16498]

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *

Genetically a night owl, five to six afternoons/nights and thirty to sixty hours per week, worked online on financial tasks and in many other capacities for the community.

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *

2019-01-24:

Following the increased automation on the platform, there no longer are any teams of Country Liaisons (CLs) on Zidisha's Staff.

We former Team Leads (and Country Liaisons) (and other former Staff members) are provided with the ability to choose whether or not to post an entry (with or without a photo) on the "Alumni" page, at any time.

If you see "Team Lead" and/or "Country Liaison" titles still posted for anyone anywhere in connection with Zidisha (or any titles other than the two remaining positions: "Director" and "CTO"), that just means those other individuals have not yet updated their profiles.**

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *

**Note that "Community Moderators" and "Volunteer Mentors" are *not* Staff positions; and those currently *are* active roles. Each "Community Moderator" (CM) can choose whether or not to display that designation publicly. The "Volunteer Mentor" (VM) designation always displays publicly.

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *

To any borrowers who may be reading:

Zidisha used to charge borrowers only a one-time Membership Registration Fee (which was small for borrowers in most of the countries Zidisha was serving at that time) and a per-loan 5% Service Fee. However, the Director eventually increased fees in number and amount in order to have a pool of "insurance" funds to reimburse lenders at least partially for defaults (since, unfortunately, there's been an increase in borrower defaults over the past couple of years, especially). Therefore, except for the 5% Service Fee (which is used for the platform's technical and administrative costs), now all other fees are set aside in a reserve fund which is used to help ensure that there would be more money available to recycle into more borrower projects than otherwise would be possible.

Note, though, that even though a lot is collected, not enough actually is collected to reimburse lenders fully for all defaults. Therefore, it's still very important for borrowers *not* to default. (Please read the next section, too.)

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *

The best chances for fees to be reduced in number and amount in the future is for all borrowers to make sure always to remit their installments on time. If need be, it's fine to lower the installment amount and to pay the lowest installment amount allowed. (Defaulting, though, hurts all borrowers in multiple ways, including but not limited to causing much higher fees, platform-wide.)

The Staff is working on finding other ways to help reduce fees again in the future, and I hope they will be successful in that endeavor. However, even if large donations are received from wealthy benefactors (and/or from other sources), if defaulting continues to occur at too high a rate, then even quite a lot of that money disappears eventually, as has happened in the past.

Therefore, the most important way for fees, in general, to be able to be lowered in number and amount (and for those to remain lower, in general), is for each borrower to honor the financial obligation made when he or she clicks to confirm acceptance of the terms of the loan. (Borrowers always have the option to cancel the loan instead of clicking to confirm acceptance of the terms.)

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *

It always is better to send in something every time an installment is due, rather than nothing at all. Lowering the installment amount usually is possible and should be done whenever necessary (but only when absolutely necessary).

Sending an installment "on time" at Zidisha means exactly on the due date or within the ten-day grace period after the due date (keeping in mind that dates and times are according to the U.S.A. Eastern Time-Zone).

If the installment doesn't appear on your profile after three (3) business days, then click on the HELP link, choose the "payment not credited" subject option, and send a private message on a support ticket to the Staff (a/k/a the Team).***/****

***After the increased automation occurred on the platform (mentioned above), there currently are only two (2) Staff members on the Zidisha Team: www.zidisha.org/team (Julia Kurnia, Founder & Director; and Rodrigo Reyes, CTO).

****On your support ticket, include all of the details about your payment (date sent, amount, your account and/or phone number, the Transaction Id. Number, etc.).

You also can let your lenders know, on your borrower-lender Discussion page, about the delay in your payment getting credited on the "Repayment" screen in your Zidisha profile. HOWEVER, on your borrower-lender Discussion page, you should include ONLY the date and the amount of the payment you're waiting for the Staff to credit to your account. (Note that all other details should be sent privately to the Staff, only.)

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *

Borrowers, please also be aware:

Lenders cannot help you with anything technical or administrative.

Please don't confuse lenders with the Staff. (Although the two current members of the Staff also are lenders, most lenders are *not* on the Staff.)

Therefore, as mentioned above, your borrower-lender Discussion page *isn't* the correct place to try to reach the Staff.

Whenever you need assistance from the Staff, please always click on the HELP link in your account.

Then, from the drop-down list of subject options, look for one with a text-box available to type a private message to the Staff (that creates a support ticket), if you need to send them any sensitive information. After about three (3) business days, check the HELP section of your account again for a reply.

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *

You usually can expect a reply from the Staff when you send in a support ticket, if you've asked a question about your account.

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *

If you don't need to send any sensitive information to the Staff, then you can post in the Forum and another community member may answer you (or sometimes even the Staff may reply to you there, but not usually).

Use the "Borrower Questions" section of the Forum (www.zidisha.org/forums/1) if you have a specific question regarding your account, or if you need to report a technical problem encountered anywhere on the platform. (Be careful, though, not to post any sensitive information in that *public* location.)

Use the "Open Forum" (www.zidisha.org/forums/3) if you have a general policy question or a comment or suggestion about any current policy.

Before posting in the Forum, you should read information publicly available from the Director in the "Announcements" section of the Forum (www.zidisha.org/forums/4) and on the "FAQ" page (www.zidisha.org/faq). It also is a good idea to scan threads in other sections of the Forum already posted by others, to avoid unnecessarily starting a new thread when there already is a thread available on the same topic where you could and should add a new post (which will move the thread to the top of that Forum section).

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *

For disbursement or payment-posting questions, though, you always should privately send a support ticket with the details. You never should post any sensitive information in the public Forum or on any public borrower-lender Discussion page; the Staff doesn't have time to remove account numbers, phone numbers, email addresses, Id. Number, images of National Id. Card, etc., from public pages, so borrowers only ever should send that information to the Staff privately on a support ticket (or, in the case of providing an image of the National Id. Card to the Staff, apart from sending that privately to them on a support ticket, you also only ever should use the special "Upload Id." button which the Staff will cause to appear in your account at certain times, and that will send the image to a screen behind the scenes which only the Staff can see).

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *

Please don't expect a reply from Staff in the Forum, or on your borrower-lender Discussion page, as that usually doesn't happen. (That said, it sometimes does... but you always should remember that your borrower-lender Discussion page *isn't* intended as a place to try to reach the Staff.) Regarding the Forum, the Staff always does read everything posted there, so although you usually won't receive a personal reply (for example, to a report of a technical problem), you should keep checking your account after posting in the Forum to find out when your issue has been resolved.

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *

Borrower-lender Discussion pages are intended for the borrower to update his or her lender(s) about their project(s) and their life in general, and for the lender(s) to do the same if they wish to share. Those pages also are intended for mentors to communicate with the borrower and/or with the borrower's lender(s). Additionally, those pages are for the borrower to inform his or her lender(s) about any adjustments he or she is making to the installment amount. However, as mentioned above, those pages *aren't* intended as a place to try to reach the Staff.

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *

The Forum is intended mainly for Zidisha members to help one another, based on information publicly available from the Director, posted in the "Announcements" section (www.zidisha.org/forums/4), and in the FAQs (www.zidisha.org/faq). Note that borrowers (and lenders, too) should check those locations for updates on a regular basis, as that's where the Director sometimes posts changes to policies.

Also note that the Staff (which currently is just the Director and the CTO) sometimes may reply in the Forum, but you never should expect that to occur. Whenever anyone (borrower or lender) needs to reach the Staff, you always should click on the HELP link in your account to send them a private message on a support ticket.

Borrowers, if you sometimes don't have an option available in your account for sending a private message to the Staff, then you can post in the "Borrower Questions" section of the Forum to let the Staff know you need to send them some sensitive information and you need them to provide you with a way to do so. Good luck and best wishes! :-)

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *

2019-10-19, at 12:19 A.M., E.D.T., edited this page.