Nicholas Munyua
Nakuru, Kenya

This Loan
100% Repaid

Disbursed Amount: $1,000.00
Date Disbursed: Mar 9, 2012
Repayment Status: Early
Repayment Frequency: Monthly Projected Term: 12 months
Cost of Loan: $91.50
Show Cost Details

Cost of this loan

Lender Interest: $1,000.00 at 4.15% annual rate over 12 months = $41.50

Service Fee: $1,000.00 at 5% annual rate over 12 months = $50.00

Total Loan Cost:
$41.50 + $50.00 = $91.50

About Me

i am a businessman, runing a shop at mitimingi trading centre. I deal with consumables and non consumables. Zidisha team and the lenders have assisted me so much and improved my standard of living and that of my family. With profits from loans granted, i have taken my children to good schools and three of them are in universities now. I need another loan to boost my business and repair my vehicle which i use to transport goods at my shop.

My Business

my business deals with selling both consumable and non consumable goods. this includes food stuffs, farm inputs(fertilizers, seeds), farm tools(hoes, spades, axe), animal feeds. this business also include a boutique. the business is worth kshs 200000, and approximately makes a profit of kshs 15000 every month after paying all the bills and paying a salary of kshs 10000 to my employees. challenges in running the business are, counterfeit goods in the market but cost like the genuine good but of low quality, change of fashion, unpredictable change of foods stuff prices, high competation, poor infrastructure eg poor roads during rainy season leading to high cost of trasportion.

Loan Proposal

The planting season is around the corner and this is the appropriate time to stock my small business with seeds(maize and beans), fertilizers and farm impliments like hoes and jembes. At this time the seeds are readily available as many people are waiting for the last minute rush. I would therefore like some little assistance in terms of finances so that i take advantage of the opportunity at hand. Any help accorded to me will be highly appreciated. I hope to make profit from the sale of stock because as of now, i can manage to fully stock my shop since the prices of goods is relatively cheap. Transport is also not a problem as the rains have not started so the roads are still passable. This makes it even the best time to purchase goods and stock my shop.

Positive   18      Neutral   0      Negative   0     

  • LaBretonne     Dec 21, 2014


    Repaid in full... for the 3rd time! Well done and thank you!

  • David2051     Jun 1, 2014


    My third loan to Nicholas, all repaid in full! Best wishes!

  • Sandi     Apr 21, 2014


    Repaid with regular installments. Thank you!

  • Oliver     Mar 29, 2014


    A big loan, paid back diligently and in full. I would be happy to lend again.

  • LaBretonne     Mar 19, 2014


    This was my second loan to Munyua. All paid back again!

  • ErikN     Jan 31, 2014


    Paid in full ahead of schedule.

  • MillerClark     Jan 11, 2014


    Repaid early in regular installments. Thanks. Mr Munyua is a reliable borrower who I would support again. Best wishes for future business success.

    • Nicholas Munyua     Jan 17, 2014

      Thanks for your confidence in me. Your support has taken my family to the next level. Won't let you down.

  • KarmaComa     Jan 11, 2014


    Nicholas paid back early so I recommend everyone to lend to him! Lots of success in the future!

    • Nicholas Munyua     Jan 17, 2014

      Hi Karmacoma,
      when one is very happy in my community we say Ahsante sana. God bless you.

  • nicole     Jan 10, 2014


    Paid ahead of schedule. I wish you success and will definitely lend again!

    • Nicholas Munyua     Jan 17, 2014

      Hi Nicole, thankyou so much for your help and support, won't let you know down,

  • davelowe100     Mar 26, 2013


    Excellent borrower!

  • LaBretonne     Feb 11, 2013


    Very regular repayments. Well done!

  • Hope2012     Feb 11, 2013


    Repaid early thanks and bst wishes.

  • Ginoir     Feb 11, 2013


    no complaints, happy to support again

  • Daniel     Feb 9, 2013


    Excellent borrower. Thanks!

  • David2051     Feb 7, 2013


    Congratulations on another loan repaid! Best wishes!

  • Christian     Nov 15, 2012


    Paid in full, on time. Good job and good luck for the future.

  • fabian85     Feb 14, 2012


    Fully repaid the loan.

  • David2051     Feb 13, 2012


    Congratulations on repaying your loan, Nicholas! :-)

    I would be happy to lend to you again!

    Best wishes,
    David :-)

    • Nicholas Munyua     Jan 17, 2014

      Hi David,
      Thankyou so much for your support all this time. Am grateful you have been part of them who made my life better. Will always do my best to pay on time.

      • Nicholas Munyua     Nov 27, 2014

        Am humbled by your support, kindness and generosity. Thanks so much. Am committed to repay all my loans in time and in full. God bless you.


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  • Nicholas Munyua     Apr 3, 2015

    Hi zidisha team, I want to let know that i paid my instalment for 29/03/2015 on that day and I received acknowledgment of receipt on 30/03/2015.

    • Nicholas Munyua     Apr 17, 2015

      may request that you post the payment of 29/3/2015 amounting to 6000ksh. the transaction id for that payment is GS48VE466 done on that date at 09.57 am. i received acknowledgement of receipt on 30/03 2015 but it has not been posted. so far made payments for 17weeks totalling to 102000ksh and not 96000kshs. please verify this and act accordingly. thanks.

  • Nicholas Munyua     Feb 11, 2015

    Hi Brian. Thanx so much coz I know you are one of my lenders. I have employed 5 people on regular basis but I engage about 10 every month casually when the need arises.

  • Brian     Feb 11, 2015

    Nicholas, thanks for making your repayments on time. I am glad your vehicle is repaired. I am curious - how many employees do you have?

  • Nicholas Munyua     Feb 11, 2015

    I everyone, I pray for your good health. I repaired my vehicle and am still doing business.

    • Dennis Furr     Feb 11, 2015

      I'm happy for you that your vehicle is back in service and the impact to your business has been relieved. Many of us take for granted the reliability of our vehicles but from time to time we have to face the prospect of expensive repairs. It can be unpleasant, at least until you drive it for the first time afterwards then it's easy to forget again.

  • Nicholas Munyua     Dec 13, 2014

    Raising such a great amount was kind of very tough but did it anyway. I don't take for granted. I thank you my good lenders and the entire zidisha team. Am committed to repay the loan on time and promise to put it into the expected use. Am so happy and excited that you can trust me this much. Ahsante Sana is the least I can say. God bless you all.

  • Markus     Dec 12, 2014

    Same here. The requested amount of US-$2,732.00 was kind of tough bread indeed ;) But we've done it while the clock was counting down the last few hours.

  • Dennis Furr     Dec 12, 2014

    I've been watching this drama unfold over the last few days and it didn't disappoint. Congratulations Nicholas and well done "big Z" community.

    • Nicholas Munyua     Dec 13, 2014

      Thanx Dennis and sorry I didn't respond to your message in time. Sometimes network is a challenge. On Monday I hit the road running.

  • John Otieno     Dec 7, 2014

    I wish you well.I thank zidisha lenders for their incredible kindness

  • Nicholas Munyua     Nov 27, 2014

    Am so happy and proud to be part of this life changing organization -zidisha. The loans granted to me have moved my life and that of my family members to greater heights. With the profits made I've taken my children to good schools. I now have three girls at local universities. Looking forward to the graduation of the first one next year. I also look forward to taking a new loan soon. I hope you will fund it . Thanks once more.

  • Rose Karanja     Jul 3, 2014

    Thanks Nicholas .A,m one lady who believe that determination can take beyond horizon. I thank God for Zidisha has made me move to heights i could not alone.

  • James Morara Onchangu     Jul 1, 2014

    I am impressed by your business Munyua. I sell handicrafts here in Mombasa. keep up the good work.

  • Miller Omwenga     Jun 29, 2014

    lenders i have contacted nicholas and he has informed me that his business is going on well.

  • WHYu-NYC     Apr 26, 2014

    Hello, also interested in knowing how Hannah is doing. Her loan was rescheduled already but has only made one payment since that time in November. Is she ok? and how is her business?

  • Wamugunda Gakuo     Apr 26, 2014

    Wamugunda Gakuo
    Hi zidisha team? I invited Lawrence Njuguna but the name on his loan page is omukgolo .lawrence has written emails to service@zidisha with no fruits.kindly change the name of the person who invited Lawrence to read wamugunda gakuo.thanks.

  • Crissr     Mar 26, 2014

    Mr. Munyua,

    I see you are the VM for Ms. Ruth Kerubo. She received a loan on Dec 13, 2013, and has not made a single repayment.

    I have tried contacting her twice, but she has not responded. Could you please check up on her and see if there is a problem? Her lenders would like to know when she will restart repayments.


  • pentatonicscale     Mar 21, 2014

    Could you please see how Hannah is doing?

  • Clivoss     Jan 30, 2014


    You are the volunteer mentor for Ms Teresiah Watati/Wamunuyu. How is her business is going? She has not repaid any of the money loaned to her. Thank you for volunteering and good luck with your business.


  • Nicholas Munyua     Jan 29, 2014

    May i thank the lenders and the entire zidisha team. I got the loan in good time and I have started replenishing my stocks. Rains are about to come. I intend to put the money into very good use and look forward to making sizeable profits. Ahsante Sana. I also pledge to repay the loan in good time.

  • TVandenbosch     Nov 12, 2013

    Dear Nicholas,
    How is your mentoring of Phoebe Nguyi going? So far, we have not received any updates nor repayments from her side.
    Kind regards,

  • mewesten     Oct 2, 2013

    Hello Nicholas,
    You are listed as the Volunteer Mentor for Pauline Nyambura.
    Could you please check on her and make sure she is ok?
    She received her loan in April and she has not made a single payment or has not made any contact with her lenders.
    Thank you.

  • Nicholas Munyua     Mar 11, 2013

    Hi to you my good lenders. Am so grateful and happy for your kindness. I got the loan and am planning tob make purchases by the end of the week. My pledge is to put the money into good use and hope to repay in good time. Long live Zidisha. Long live the lenders and long live the entire team


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  • johnn     Feb 28, 2013

    very wll ,my name is john njoroge gathua,how long does it to prosses the loan .i ipplyend o date 29 02 2013

  • Nicholas Munyua     Feb 26, 2013

    Hi David, am so grateful that you still stand by me. Thanks bro

    • David2051     Feb 26, 2013

      Good luck with your business and new loan, Nicholas! I hope the loan is filled quickly. Is business going well for you?
      Take care, David

    • David2051     Feb 26, 2013

      Good luck with your business and new loan, Nicholas! I hope the loan is filled quickly. Is business going well for you?
      Take care, David

  • traciyoshiyama     Jul 14, 2012

    July 14, 2012

    Hello, my name is Traci Yoshiyama, Zidisha’s Kenya Client Relationship Manager. I am currently residing in Mugaa, visiting Zidisha borrowers in nearby villages.

    A borrower’s profile captures a tiny portion of the life he or she lives, rarely painting an accurate picture of their hard work and perseverance. Nicholas Munyua describes himself above as a businessman in Miti Mingi, but having the opportunity to visit him today, I see he did not do himself justice. I meet Nicholas in front of his store, Munyua General Shop, but soon find out he also owns a boutique two doors down called A to Z Boutique. Among the various items stocked on his shelves, Nicholas is most proud of the grains he is able to sell, making a profit of 500,000 Ksh a year. This was made possible through his first Zidisha loan. He explains how Zidisha has allowed him to “elevate to another level”. Along with buying items for his stores, Nicholas was able to repair his vehicle with his second Zidisha loan. As essential to his business as the store itself, his truck allows him to transport his stock from the faraway cities of Nakuru and Nairobi.

    Businesses aside, Mr. Munyua is also the deputy teacher (VP) at Elementita Primary School. This paying only 800 Ksh a month (less than $10), he also relies on his two-acre shamba. His shamba, situated next to his home, is ripe with pumpkins, bananas, oranges, potatoes, beans, maize, and much more. With a kindness that I am unable to express in words, he does not let me leave Miti Mingi without giving me a bag filled with oranges.

    Also worth noting is his role as a father, for although I have met many fathers during my stay in Kenya, Mr. Munyua may be the proudest. As we sit in his living room and enjoy a steaming cup of tea, he reminisces over a stack of photos documenting birthday parties, school visitation days, and family get-togethers. As he tells me more about his eldest daughter, who now attends Jomo Kenyatta University of Science and Technology, he picks up his phone and calls her. Being as kind and personable as her father, Susan makes plans to meet me the next time I am in Nairobi.

    Being poor as a child, Nicholas recounts the many instances where he went without food for as many as two days. He remembers promising himself that this would not be his fate or that of his family. With the help of loans and a man who knows what he is striving for, Mr. Munyua and his family have managed to own two blooming businesses, send all their children to boarding schools to get the best education, and build a new home equipped with all the modern conveniences. With all this determination, does it come as a surprise that this all started with a little kiosk selling mangoes and vegetables?

  • David2051     Feb 13, 2012

    Congratulations on repaying your loan, Nicholas! :-)

    Do you think it helped your business? Will you take a new loan? I would be happy to lend to you again!

    Best wishes,
    David :-)

  • Nicholas Munyua     Oct 26, 2011

    Hi Julia, want to sincerely thank you for your continued support. All is well and the business is doing perfectly well though am experiencing cash crisis at the moment n that's why I av not been able to remit my monthly instalment but hopefully I will do it soon. The sales n proceeds of the period have been injected back to the business as stock but am expecting that the sales will be good. I shall then be able to submit my remittances. It's my hope that you are going to bear with me n give me a little more time. Thank you in advance.

    • admin     Oct 31, 2011

      Dear Mr. Munyua,

      Thank you very much for your message. In fact, with the installment that we received yesterday, you are fully up to date with your scheduled repayments. No further payments are due until November 10.

      All of us at Zidisha wish you the best of luck with your business, and look forward to hearing from you again soon.

      Kind regards,

      Julia Kurnia

      Director, Zidisha Inc.

  • Nicholas Munyua     Apr 4, 2011

    hi julia.want to thank you and my good lenders for boosting my biashara[bussiness]. its doing well and i am making faida [profit]already.commenting on time is a challenge coz i live in rural and internet is not readily available.once again ahsante sana to all my lenders. i promise to do my best to pay my loan in good time.nice time and G od bless.

    • Feldborg     Apr 4, 2011

      Hi Nicholas,
      great to hear that you are making profit.
      Has the expected rain come in March?
      I wish you all the best and hope that the weather is for the benefit of your business.
      Best regards, Timo

    • David2051     Jun 11, 2011

      Hi Nicholas, I'm glad to hear your business is doing well. How do you access the internet? Do you have to travel for that, or use a cell phone? I live in the US "Midwest" along the Ohio River. We had a wet spring with high water and flooding on the Ohio and Mississippi rivers. I hope you get the right amount of rain!

  • Nicholas Munyua     Mar 1, 2011

    Hi David, i have already stocked my business with the seeds and farm implements.The business is doing good but it has not yet rained but hopefully it will start raining by the mid March.

  • Nicholas Munyua     Feb 3, 2011

    we hope it will be raining by feb 10, i wish to have stocked my business when seeds and fertlizers are still cheap and before the rains destroy our roads hence increase in transport cost and avoid many loses, i hope the delay is due to bank transfer (. thank you

    • David2051     Feb 22, 2011

      Hi, Nicholas!

      I was wondering how you are doing. Did you get your stock in? Is the weather good there?

      I have enjoyed reading about Nakuru on wikipedia... It looks like it is beautiful there!

      I hope you are doing well and business good.

      Take care, David

  • Nicholas Munyua     Jan 31, 2011

    i thank all zidisha lenders for their contribution, as soon as i recieve the money i will do the necessary by stocking my business fully, promise to pay your loan in time. here in kenya everything is good.

  • David2051     Jan 29, 2011

    I wish you much success, Nicholas!

    • Nicholas Munyua     Jan 29, 2011

      thanks so david.i really appreciate your concern and kindness.nakuru is very hot and dry. we are looking forward to coming of rain in march. God bless you.

    • Nicholas Munyua     May 10, 2011

      Hi David how have been? Am doing well and bussiness is doing well. By the wa
      y where do u live? U seem. To like nakuru.

  • Nicholas Munyua     Jan 28, 2011

    thank you julia for solving the problem, i kindly now invite all lenders for bidding. gud day

  • Nicholas Munyua     Jan 27, 2011

    i have noted an error in setting my maximum and minimum loan application, i guess the maximum loan should read USD 125 instead of USD 1.25.

  • Nicholas Munyua     Jan 25, 2011

    i came to know learn about zidisha through the principal mugaa secondary school and noted that you can be of a great help to me, i kindly now request for the activation of my account. thank you in advance.

Amount Repaid: $824.83
Amount Remaining: $0.00
Status: Fully Repaid
Date Repaid: Feb 3, 2013

Repayment History
Expected Payments Actual Payments
May 9, 2012 $74.98 May 10, 2012 $74.98
Jun 9, 2012 $74.98 May 10, 2012 $1.02
Jun 9, 2012 $73.97
Jul 9, 2012 $74.98 Jun 9, 2012 $2.03
Jul 8, 2012 $72.95
Aug 9, 2012 $74.98 Jul 8, 2012 $3.05
Aug 9, 2012 $71.94
Sep 9, 2012 $74.98 Aug 9, 2012 $1.61
Sep 10, 2012 $73.37
Oct 9, 2012 $74.98 Sep 10, 2012 $2.63
Oct 8, 2012 $72.36
Nov 9, 2012 $74.98 Oct 8, 2012 $3.64
Nov 8, 2012 $71.34
Dec 9, 2012 $74.98 Nov 8, 2012 $4.05
Dec 9, 2012 $70.94
Jan 9, 2013 $74.98 Dec 9, 2012 $2.61
Jan 8, 2013 $72.37
Feb 9, 2013 $74.98 Jan 8, 2013 $50.21
Feb 2, 2013 $24.78
Mar 9, 2013 $74.98 Feb 2, 2013 $73.29
Feb 3, 2013 $1.70

Nicholas Munyua
Nakuru, Kenya

100% Repaid