M-PESA mobile phone payment service

Valentine

Elburgon, Kenya

2% repaid

Entrepreneur

Name

Valentine

Member since

July 2014

On-time repayments

279 installments  •  9%

About Me

My names are valentaine asaale mongolo.I am a mother of three and currently living widow after my husband was killed in Somalia one year ago.He was serving as a soldier in Kenya.
I live in Elburgon setelite estate and i do my business in Elburgon town.I have a certificate in hair and beauty from Vera and Beauty College in Nairobi.At this point i have a beauty shop in Elburgon where i run an Mpesa and offer my service to my customers.
Besides that i am a gospel artist at our church here in Elburgon and i am planning to realise my first and new album very soon.

My Business

I am in the business of beauty now and as mpesa agent.I run a salon,Mpesa and sell local made and imported shoes,children wear,makeups.Most of my customers comes from within the town.When i started this business i faced so many challeges such as lack of enough capital and stiff competition but with time now as i had improved on the service i offer,am now at the pick within this area.Now i am proud to run a successful,stable and reliable business.
Today if the opportunity is given to have a loan,i will use it to expand my business by bringing new products that will attract me more customers hence earn me more income.

Loan Proposal

I thank you very much for your last loan though almost all of it was stolen by cons.I thank Zidisha community for being patient to because i was left with almost nothing.But Zidisha was just a wonderful family.If it were bank loan all my property would have been auction.Zidisha gave me humble time during my hard time till i was able to repay my loan.Now i apply for third loan and this is my budgeting:

-$900 i want to add to my mpesa service float as this is the business which contribute a larger amount to my earning.This will enable me to give service to many customers hence increasing my profit by atleast 65%.

-$350 i will add beauty products to my shop especially from Uganda which has high demand and less competition.

-$100 i will pay rent,labour for one lady whom i employ and electricity bill so as to reduce future expences.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$1,436.00

Date disbursed

Jan 26, 2015

Repayment status

Late

Projected term

61 months

Lenders

tjm212003

Montreal, Canada

C

CWS

Huntington beach, ca, United States

W

WilsonLending

Atlanta, United States

S

Snick

Halle, Germany

H

Hilke

Bremen, Germany

Dymero

Manchester, United States

G

Givemoreuseless

Waterloo, Canada

HI

Highly Improbable

Saskatoon, Canada

Irvin

Vancouver, Canada

investor

Candiac, Canada

J

johan

Oslo, Norway

P

Peter

München, Germany

Kitty

Hailsham, United Kingdom

torelizer

Reggio Emilia, Italy

D

drakekids

Greensboro, United States

S

Spassmacher

46244 Bottrop, Germany

P

Philippe

Adliswil, Switzerland

AdamP

Sunnyvale, United States

BelleStarr

Albuquerque, United States

cyrus0302

San Francisco, United States

Josua

Brittnau, Switzerland

E

Ehaffey

Washington D.C., United States

L

lmuenchen

Munich, Germany

José Antonio

Carapicuíba, Brazil

A

andyfletcher

I want my "My loans" page back, Qatar

C

ColinPlatt

Montgomery Village, United States

Hope2012

United Kingdom

DeanDropshot

Oslo, Norway

lorrymac

Killough, United Kingdom

I

ideerge

Mountain View, United States

EHTHighSchool

Egg Harbor Township, United States

J

Jdoyle

Kitchener, Canada

Straetman

Kaarst, Germany

J

jozua

Delft, Netherlands

A

argentpepper

Boston, United States

L

louisela

Eugene, Oregon, United States

Raoul72

Naarden, Netherlands

G

gt2016c

Birchgrove, Australia

H

Hynek

Brussels, Belgium

J

jjcharlie

chicago, United States

ZlataRoy

Cheltenham, United Kingdom

F

FaaThailand

Bangkok, Thailand

T

Tallago3

Munich, Germany

J

Jacquinta

London, United Kingdom

Zidisha

Sterling, United States

Svenip

Vienna, Austria

S

Steveandson

Arlington, United States

G

GLWall

Iowa, United States

P

Piccolo

London, United Kingdom

DaveinPerth

Perth, Australia

K

kingmark1

Calgary, Canada

BJ

Brandon Joz

North Carolina, United States

Aggul

London, United Kingdom

Jeff and Marcie

Portland, OR, United States

E

Elisa

Espoo, Finland

B

blahblah

Nuernberg, Germany

RockinRobin

Centennial CO, United States

MichaelR

Los Angeles, United States

J

JayJay

Cleveland, United States

C

CheesemanDan

Shanghai, China

B

briansedz

Canton, Ohio, United States

Krtecek

Balzers, Liechtenstein

Crestwood

Hamburg, Germany

P

proby24

Singapore, Singapore

beverly

Vancouver, Canada

Dan Haynes

Bozeman, United States

T

tmsaddress

Orlando, Florida, United States

KirstenShute

Montreal, Canada

nelson637

Greenbrae, California, United States

cattlebaron

Pierre, SD, United States

F

farwest

Alamo, United States

pbosakov

Sofia, Bulgaria

J

jimmydjjr

Gautier, United States

dajawein

Gladstone, Australia

Elaine123

Philadelphia, United States

andreasol

Bielefeld, Germany

P

portlandloans

Portland, United States

rasmus

Bern, Switzerland

Moyeji

Australia

F

fake_name

Boston, United States

Los Wade

United States

D

duckdork

De Forest, United States

Susansfund

Colorado Springs, United States

G

glomardor

Leonardtown, United States

Cloudways

Malta, Malta

M

markusfitza

College Station, United States

P

penguin3694

Chicago, United States

A

aiban

Austin, United States

S

Sabine

Courtenay, Canada

A

Austrian

Graz, Austria

E

EnhanceLife

Heber City, United States

S

samuk

Nottingham, United Kingdom

D

davide

Vallentuna, Sweden

W

Woodyrocks

London, United Kingdom

danielytao

Boston, United States

K

Katehar

Maple Valley, WA, United States

J

jwharding

Hamburg, Germany

ads68

Melbourne, Australia

J

janharg

Garland, Tx, United States

T

Travelbear

Asheville, United States

U

UmSaeed

Southfield, United States

D

Dionne

Pembroke, Bermuda

M

mwkelley2

Columbus, OH, United States

A

amnesiac

Adelaide, Australia

D

Dave22202

Arlington VA, United States

Alina

Amsterdam, Netherlands

A

Aaron

Zurich, Switzerland

W

WellingtonPFClass

Columbus, Oh, United States

C

cescotet

Needham, United States

RandyPetersen1

Colorado Springs, United States

B

Bluejay

Magrath, Canada

OlyRhys

Olympia, United States

O

Oscart

Edmonton, Canada

ohlandtmann

Moorestown, United States

J

jerryq

Redding, United States

L

lilbsedz

Raleigh, United States

T

Tui1974

nuenen, Netherlands

R

Rearden

STAVANGER, Norway

HMS_5th_Grade

Honolulu, United States

C

Caalve

Bratislava, Slovakia

J

Jyoti

Herndon, United States

C

chrono

Toronto, Canada

chadgibbs

Loveliest Village, United States

S

SheilaB

Nashville, United States

P

prashant

SUNNYVALE, United States

S

solarkismet

Logan, United States

Y

Yecats

New York, United States

E

ElliottGarlock

Palo Alto, CA, United States

J

Johannes

Pirmasens, Germany

A

amish

San Francisco, United States

L

Ldeschae

Gent, Belgium

M

maxep06

Fairfax, United States

A

Avalokiteshvara

Yau Yat Chuen, Hong Kong

N

Neveda

Flagstaff, United States

U

UTLonghorn

Lincoln, United States

BF

Bob Fitzjohn

Fontvielle, Monaco, Yemen

N

Navigator

Alavus, Finland

K

Krish

Dubai, United Arab Emirates

PulsoJewelry

Los Angeles, United States

F

fredrikahl

Stockholm, Sweden

I

icmoonchild

Haddon Heights, United States

J

jocke

Stockholm, United States

Hedwich

Gorssel, Netherlands

P

Paleomagick

Eldred, United States

S

smetis

Kananaskis, Canada

S

Sreval

Manly, Australia

FriendinOregon

Hillsboro, Oregon, United States

P

Pavane

Kungsbacka, Sweden

L

lewisfamily

Bicester, United Kingdom

ThorstenH

Bensheim, Germany

T

ThereIsNoGod

Singapore, Singapore

S

SnifferTheBunny

Brighton, United Kingdom

A

alettore

Schleinikon, Switzerland

Mrdressup

Brisbane, Australia

90803

Long Beach, United States

S

senecaatyale

New Haven, CT, United States

somuchjackson

Boston, United States

E

Esseni

Cincinnati, United States

C

Catch22

The Colony, United States

R

rosebo

Bend, United States

Parkmobile

Fort Bragg, United States

G

Gdrvasc

Frederick, United States

H

happytrailsjpd

South Bend, United States

M

markus61

cologne, Germany

M

mibrahim51

Mountain View, United States

Evan Lamos

Brussels, Belgium

mfrost3

Dakar, Senegal

A

akshu71

Ottawa, Canada

T

Texikan

Fort Worth, United States

G

GanSatya

United States

R

RohitSingh

Montreal, Canada

D

dj9812

United States

TomF925

www.AfricaLeap.com, United States

C

cktsai

United States

I

ImSirFing

United States

M

Morgan1301

United States

B

BobHope

United States

L

liseman

United States

D

DanielW

United States

E

elhh82

Petaling Jaya, Malaysia

pvilliger

Zurich, Switzerland

OP

Old People

Corona Del Mar, United States

I

ibd267

Ambler, United States

P

Peaches

United States

O

osubucks45

United States

M

Mcohan21

United States

J

juniormint

United States

camden01

Connecticut, United States

S

stevemorin

United States

A

adiipienaar

South Africa

jonnyhj

Stockholm, Sweden

J

jenda

Czech Republic

L

Lender59

United States

A

ATMiller

United States

R

richardbrewster

United Kingdom

K

Karpet

Faroe Islands

M

mitchmk84

United States

R

RosieWatrs

United States

K

Kimbo

Vietnam

Insomnus

Cheltenham, United Kingdom

S

sarah4d2

Saint Louis, United States

atallman

London, United Kingdom

C

cathyu2crazy

United States

E

expatri

United States

C

CraigInCo

United States

P

PeterDG

United Kingdom

S

simonthompson99

United Kingdom

S

Sophia20450

United States

AndrewNeu

Ho Chi Minh, Vietnam

N

NorCalLender

United States

T

timnj

United States

J

JonAlec

United States

Grant Xavier Storer

Seattle, Wa, United States

J

jdelaporte

United States

R

reganbrian

United States

M

Marielle

United States

A

aajmp

United States

S

SCHAC

Switzerland

M

mcgeefamilyny

United States

Andrew267

Birmingham, United Kingdom

S

seanos

Nottingham, United Kingdom

B

BigRosie

United States

M

Madtowner

United States

AKWatson3

Norwalk, United States

T

Tony1

Australia

P

Pinkhobgoblin

United Kingdom

KM

Kirsty M

United Kingdom

Jonas

Switzerland

H

Hans

Germany

Frank Termathe

Frankfurt Main, Germany

MG

Michelle Gard

United States

J

Joshua

United Kingdom

Dave Bogard

New York, United States

jinn

United Kingdom

Humble Bundle Community

San Francisco, United States

Paul Buchheit

Mountain View, United States

JG

Jake Gibson and Beverly Picardo

San Francisco, United States

Ask Valentine a question about this project, share news and photos of your own, or send a simple note of thanks or inspiration.

Please log in to comment.

  • Elijah Omollo    Jun 1, 2015

    Dear lenders i hope you are well.I have been contacting Valentine but i have not been able to reach her.When i contacted her community who told me that she was seriously ill that she was taken to her village home of which it's confirmed that she is still ill and admitted in hospital.

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  • TomF925    May 14, 2015

    I hope you are well! It has been 3 months since you have made a payment. I cannot find Hellen Nyokabi's discussion page.

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  • Franmiguel    Mar 27, 2015

    Hi Valentine,
    You posted on Hellen Nyokabi's discussion page.
    Thanks for providing an update to the lenders, and thanks for your work as a VM at Zidisha.
    Regards
    Michael

    Regards
    Michael

    Log in to reply • Share
  • Valentine    Feb 15, 2015

    Dear lenders i take this opportunity to thank you so much for your support.I am very happy that my business is now picking up.I now reschedule temporarily for now as i ask for little grace period and once i will be fully stable i will reschedule again to bigger instlament.I thank you again for understanding me.May you be blessed.

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  • Kitty    Jan 24, 2015

    Congratulations, better luck this time

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  • Vincent    Jan 24, 2015

    great business idea all the best in your business

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  • Fred    Jan 23, 2015

    Wish you all the best valentine

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  • Valentine    Jan 23, 2015

    Its good when you owe people you dont sleep till you find a way to repay.My good lenders lent to me in good faith but unavoidable took place that bared me from making payment,but thank God i struggled till am now almost making it again.I ask any lenders not to judge me by my ontime repayment but look at my trustworthness.My ontime repayment falls down when my mpesa was stolen but unfortunatly i couldnt reschedule my loan because there was a bug on Zidisha website that bared many borrowers from reschedule to smaller amount and the time the bug was repaired the damage on ontime repayment was already done.

    Thank you

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  • Valentine    Jan 20, 2015

    Its good when you owe people you dont sleep till you find a way to repay.My good lenders lent to me in good faith but unavoidable took place that bared me from making payment,but thank God i struggled till am now almost making it again.I ask any lenders not to judge me by my ontime repayment but look at my trustworthness.My ontime repayment falls down when my mpesa was stolen but unfortunatly i couldnt reschedule my loan because there was a bug on Zidisha website that bared many borrowers from reschedule to smaller amount and the time the bug was repaired the damage on ontime repayment was already done.

    Thank you

    Log in to reply • Share
  • Valentine    Jan 20, 2015

    Its good when you owe people you dont sleep till you find a way to repay.My good lenders lent to me in good faith but unavoidable took place that bared me from making payment,but that God i struggled till am now almost making it again.I ask any lenders not to judge me by my ontime repayment but look at my trustworthness.My ontime repayment falls down when my mpesa was stolen but fortunatly i couldnt reschedule my loan because there was a bug on Zidisha website that bared many borrowers from reschedule to smaller amount and the time the bug was repaired the damage on ontime repayment was already done.

    Thank you

    Log in to reply • Share
  • Valentine    Jan 11, 2015

    Dear lenders,

    I take this opportunity to thank you all for lending to me,it has been too tough for me to carry on after my business money was stolen from my mpesa.Being a widow with no one to look at,i tell you it was hard to move on.But now i thank God am able to make it again and today i reschedule my loan to atleast a larger reasonable amount meaning things are now well.

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  • Valentine    Jan 10, 2015

    Dear lenders,it has been very hard for me since my mpesa was stolen three months ago but i thank God slowly by slowly almost going back on my feet.Today have reschedule to ksh 500 but i expect to increase my installment in few coming weeks.I thank you so much for being patient with me during my hard time.

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    • KirstenShute    Jan 12, 2015

      Hello Valentine,
      I'm sorry to hear that your mpesa was robbed. Thanks for the updates and I hope things continue to get better. All the best,
      Kirsten

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  • Valentine    Jan 10, 2015

    Dear lenders,it has been very hard for me since my mpesa was stolen three months ago but i thank God slowly by slowly almost going back on my feet.Today have reschedule to ksh 500 but i expect to increase my installment in few coming weeks.I thank you so much for being patient with me during my hard time.

    Log in to reply • Share
  • Valentine    Dec 19, 2014

    Dear lenders,

    I am very thankful that am now recovering from money lost that i suffered from theft two months ago.I will start my normal payments as from next week thank you so much for understanding me during my hard time.

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  • Valentine    Dec 12, 2014

    Dear lenders,

    I am sorry i am not able to make my this week repayment.My business found unexpected last week.I left my son at my mpesa and he was corned by some unknown people ksh 40000 which i am not unable to trace till now.So please kindly allow me to organized myself before i could be back on track again.

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  • Sputnik    Dec 6, 2014

    Hi Valentine

    Can you please inquire about Alex Sogota? He still has not made a single payment.

    Thank you.

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  • Martin    Dec 1, 2014

    Hello Valentine, I am in Nakuru and I chose you for my mentor. I hope I can get in touch with you anytime.
    But tell me, is it possible for me to increase my interest rate as shown on my application? I want to increase it since I understand that the 5% I had offered is all going to Zidisha and I want something for my lenders.
    Thankyou.

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  • Benjamin Charlton    Nov 11, 2014

    Dear Valentine, my warmest regards to you.
    I see you are the volunteer mentor for Yusuf Bravin Bwire Odima. I see he has six overdue loan payments and he has not posted anything on Zidisha recently. Is he ok? I hope he is not sick.

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  • Valentine    Nov 10, 2014

    Dear lenders,

    I am sorry i am not able to make my this week repayment.My business found unexpected last week.I left my son at my mpesa and he was corned by some unknown people ksh 40000 which i am not unable to trace till now.So please kindly allow me to organized myself before i could be back on track again.

    Log in to reply • Share
  • curtains4u    Nov 4, 2014

    Valentine Mongola, I hope your son was not injured and wish you and him a speedy recovery with your situation. hopefully you will have justice

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    • Valentine    Nov 10, 2014

      Dear Curtains4u,

      Yes he is well and i will resume my payment next week.thanks

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