Add stock for my M-Pesa, electricity, and Airtel shop

Nicholas John

Nairobi, Kenya

33% repaid

Entrepreneur

Name

Nicholas John

Member since

May 2016

On-time repayments

243 installments  •  62%

About Me

I was in born in kitui County, in a family of six children and am the first born in my family. I went to kaliku primary school which was 8 kilometers away from my home. Kitui is a semi desert area with high temperature with scarce resources and being marginalized in terms of development. We had to walk for a long distance to get to school. I passed my exams well and joined high school at mutito boys. I completed my high school education through sponsorship from wellwishers. I passed my exam and proceeded to tertiary education at foundation Institute of Africa still through sponsorships. I pursued a diploma in the field of human resources management. Due to scarcity of job opportunities in my country, I didn't get a job at the moment and I applied for a loan through local chamas (youth group) to start my own business. People in my area are social, cooperative, religious and hardworking. I would like my children to be business minded people, respectful, industrious and God fearing, ready to give back to the society.

My Business

I deal with mpesa, airtel and electricity tokens services. I chose this business due to its demand for from the current economic growth and development margins the. The business is very important to me and my customers as it enhance security in terms of money safety and security. I spent $50 on weekly basis to get float and tokens for my customers. The returns are encouraging as I can make a profit of over 30%weekly. I spent my profit to pay rent, bills, growing my business and paying school fees for my brother and my niece who is an orphan currently in form one.

Loan Proposal

Thank you lender for this opportunity,i feel privileged and honored being associated with zidisha family.
i humbly submit my loan proposal of $585.71 ,am deeply in need of amount for my business purpose.
i will spent $300 on Mpesa agent ,the amount will be used on balancing float and cash.
i will spent $150 on Airtel agent ,amount to be used on balancing float and cash.
i will use $40 on buying Safaricom lines and replacement lines.
i will use $60 on buying both Safaricom and Airtel credits cards.
i will use $ 30 on electricity tokens .
the loan is expected to promote my business profits by at least 30%,i will depend on the profits to cater my family needs as well as repaying my weekly loan.
Thank you dear,your positive consideration ,i will greatly appreciate.

Feedback

None

None

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Loan Info

Project Type

Classic Loan

Disbursed amount

$579.56

Date disbursed

Jun 21, 2017

Repayment status

Late

Projected term

47 months

Cost to entrepreneur

Service fee: $24.37

Lenders

R

redhoward

San Francisco, United States

J

johans

Malmö, Sweden

C

CWS

Huntington beach, ca, United States

G

GalantnostS

Hong Kong, Hong Kong

B

bgalon

London, United Kingdom

H

Hilke

Bremen, Germany

C

Christian

Saarbruecken, Germany

CaseySampson

Vancouver, Canada

J

johan

Oslo, Norway

P

Peter

München, Germany

M

MrMc2

Saugerties, United States

C

Catolas

Kelowna, Canada

J

JLewe

Atlanta, Georgia, United States

Dwhittingslow

Saint Simons Island, Ga, United States

AltruisticSelfishnes

Chicago, United States

snapcore

--, United States

E

Ehaffey

Washington D.C., United States

M

manup0d

Langen, Germany

B

Bpryse

Long beach, United States

DeanDropshot

Oslo, Norway

I

ideerge

Mountain View, United States

galmor

Cork, Ireland

F

faical

Cologne, Germany

T

traderjohn

Baltimore, United States

J

jjcharlie

chicago, United States

Pere

Barcelona, Spain

MienDeGraeve

Ouagadougou, Burkina Faso

M

Marianne

London, United Kingdom

Kysera

Crawfordsville, United States

T

thejacobnorton

Jubail, Saudi Arabia

A

AlexCheng

Seattle, United States

J

jdhowa2

Louisville, KY, United States

S

SelvaMarcus

Green Cove Springs, United States

T

tmsaddress

Orlando, Florida, United States

B

Bavarian

Bavaria, Germany

HE

help each other

Glasgow, United Kingdom

tasos

hove, United Kingdom

skoch

Oslo, Norway

SeeMeeFi

Ontario, Canada

Pascal

Gent, Belgium

M

markusfitza

College Station, United States

L

loistf

Madrid, Spain

JillV

Corning, United States

O

Oscart

Edmonton, Canada

A

Arinelle

Toulouse, France

rhagen

New York, United States

Gordons28

Santa Monica, United States

N

Neveda

Flagstaff, United States

JPadgett

Chandler, United States

M

MACH1351CJ

HOMMELVIK, Norway

D

DKross

New York, United States

J

Justicar007

Longueuil, Canada

K

kingcamo1095

Mountain Home, United States

A

AndrewC

London, United Kingdom

P

Pavane

Kungsbacka, Sweden

stever

Cape Coral, United States

dmirpuri

Bangkok, Thailand

ibc123

Seattle, United States

xtrahardware

Cazenovia, United States

B

BMcDermott

Washington, DC, United States

D

dbuksh

United States

sderickson

Berkeley, CA, United States

Z

zvrk2014

Brookline, MA, United States

M

Malibu

Westwood, United States

L

lamar

lamar colorado, United States

G

gbelote

United States

R

roozbeh

United States

R

Rootdet

Fairfax, United States

ScholaNatura

Czech Republic

S

spivurno

United States

N

nlane

Vietnam

Pankratio

EastVan, Canada

K

Karpet

Faroe Islands

larry

Sweden

mepster

San Francisco, Ca, United States

chriseyre

Fremont, Ca, United States

TyWee

Manila, Philippines

D

DStateDDB

United States

J

JonAlec

United States

S

SaraNT

United States

I

idris

United States

R

reganbrian

United States

T

Tim47

United States

K

kennychit

United States

E

enigmatic

United Kingdom

J

JF2014

United States

E

Estebanito

United States

A

adamdreaming

United States

E

Ejackson

United States

Mike and Jacqui

United Kingdom

TW

Tony Walters

United Kingdom

KM

Kirsty M

United Kingdom

Michelle

Sydney, Australia

E

Erich

Zurich, Switzerland

One Love

Boston, United States

Thomas

Basel, Switzerland

Dominik Wagner

Karlsruhe, Germany

Jake Badger

Roskilde, Denmark

PC

Patrick Clavette

Hartford, Wisconsin, United States

NF

Nina Forsberg

Sweden, Greece

JD

Jeff DePree

United States

GR

Gary Rimmer

United Kingdom

TH

tom hd

United Kingdom

Solon Brown

Singapore, Singapore

Martin Nielsen

Aarhus, Denmark

F

Frits

Rotterdam, Netherlands

M

Mart

United Kingdom

G

Gianni

Venice, Italy

JM

john meserve

United States

AH

ajay hampapur

United States

N

Nick

United States

Aran Dunlop

United States

A

Andrei

United States

A

Adam

United Kingdom

AK

Achim Königs

Bonn, Germany

terveer

Netherlands

Rory McLaughlin

Dallas, United States

AH

Alex Hodson

United States

P

Patrick

Australia

M

Marianne

Netherlands

V

Vidar

Oslo, Norway

Carla

United States

MB

Mark Blatter

United States

T

Tom

Switzerland

RG

Ravi Gadad

United States

Bill Ballew

Kansas City, Missouri, United States

Sinan Taifour

Munich, Germany, Germany

JA

Joe and Deb Rinella

Kansas City Metro, United States

Craig Newmark

United States

The Zinc Team

San Francisco, United States

RR

Rory Rohloff

United States

Humble Bundle Community

San Francisco, United States

Katie

United States

VC

Victor Chong

United States

V

VJ

Canberra, Australia

HCPSPIRIT

Helsinki, Finland

C

Cecile

United States

R

RMIM

United States

Peter

Neu-ulm, Germany

Paul Buchheit

Mountain View, United States

SS

Sandi Smith

Pimpama. Queensland, Australia

A

Anonymous

United States

Nethanel Kohen

NYC, United States

JG

Jake Gibson and Beverly Picardo

San Francisco, United States

HB

Hugo Boss

United Kingdom

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

Please log in to comment.

  • Elisha Cheruiyot    Jan 31, 2021

    he is able to repay half of one dollar per week until he finished his loan.

    Log in to reply • Share
  • Nicholas John    Dec 3, 2020

    I am lowering my weekly contribution from 100 to 50ksh.I lost job
    Thanks

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  • Erick Momanyi    Dec 1, 2020

    I was able to speak with Nicholas, he said his business is not doing well at the moment, i advised him to adjust his weekly installment to an amount he can afford to pay for now, he promised to do so and resume making payments

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  • Nicholas John    Aug 4, 2020

    kindly note,am unable to pay weekly installment,i lost job,please consider my request

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  • Nicholas John    Jun 23, 2020

    i lost job

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  • Nicholas John    Apr 23, 2020

    i would like lower my weekly repayment to 50ksh ,i lost job

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  • Nicholas John    Oct 29, 2019

    Hello lenders, i can't afford to pay 100 KSH, i want to reduce up to 50ksh. I lost my job and am struggling but i can afford to pay 50ksh on weekly basis.
    Pliz consider

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  • Nicholas John    Oct 28, 2019

    I sincerely apologies, it isn't my wish not repaying my loan on time, but i promise, sooner will settle my loan. You once gave me a wing to fly, never forget and would wish same hand to be extended to the others.
    Thanks dear

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  • Nicholas John    Mar 15, 2019

    Thanks for your consideration may the Lord bless you abundantly

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  • Nicholas John    Mar 15, 2019

    I wish to reduce my weekly loan repayment from KSH 100 to 50. this is due to financial constrains. I normally depend on other source to pay my loan. I no longer oparate the shop,since losed everything to the thieves. pliz consider

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  • Nicholas John    Dec 28, 2018

    Kindly advise, pay button is not there on my zidisha menu. What do I do because want to settle my dues

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  • Nicholas John    Nov 16, 2018

    Thanks for considering and granding my request

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  • Nicholas John    Nov 16, 2018

    Am struggling to raise money for the business and family basic needs, kindly consider my request

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  • Nicholas John    Oct 23, 2018

    Dear lender, I settled my hospital bill,am currently struggling to get capital and revive my business and start paying my dues
    Thanks

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  • Nicholas John    Apr 19, 2018

    Dear lender.
    I was attacked by robbers in my shop on 24 Feb 2018.they escaped with ksh 182000 and broke my right hand as I was defending myself, also lost a tooth. Currently hospital bill is Ksh 96570 .am appealing to well wishers ,for a help as to settle hospitals bill.

    j[email protected]
    Or
    +254713303609

    Kindly help me!so that I can get into my normal activities?

    Log in to reply • Share
  • Nicholas John    Feb 20, 2018

    Hello lenders.
    am struggling with paying huge school fees for my siblings.too soon i will be through and raise weekly loans contributions.Am glad and thankful
    God bless

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  • Nicholas John    Jan 10, 2018

    Am still struggling with school fee ,hope soon I will be done and raise my contributions.
    Thank you dear.

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  • Nicholas John    Dec 17, 2017

    dear lenders.
    merry Christmas and happy new year 2018. my the Lord strengthen you as you give hope of bright future to entrepreneurs.

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  • Nicholas John    Dec 12, 2017

    Thank you lenders ,not long time ago from to date ,i felt desperate and marginalized because no lending institution realized my call on entrepreneurship,my dream came true when i met ZIDISHA ,i fell honored and empowered .

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  • Nicholas John    Nov 14, 2017

    My business still in low motion due political temperature, once over, I will be able to increase my loan payments installment.
    Thank you lenders

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