Stock of wool for knitting sweaters

Saraphyne Nabwire

Eldoret ,kamukunji Bondeni Estate, Kenya

15% repaid

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Entrepreneur

Name

Saraphyne Nabwire

Member since

January 2015

On-time repayments

211 installments  •  38%

About Me

My names are Omula Sraphyne Nabwire , Kenyan citizen,and Iam amarried , a mother of one daughter abd two sons.nty but currently we live in Eldoret Town ,rift valley.
Both I and my husband are bread winners of our family and extended family where by we support our siblings two of them and three aged parents.Our children are aggressive the first one would like to become a doctor when she grows up while the sons would like to become a preacher and a doctor respectively.

My Business

After two years of my O Level I got married and became a house wise for three year before my husband decided that we should have an additional income to support his .
Thus I trained knitting of sweater from St.Brendan Institute here in Eldoret I got a certificate of which I also got experience of the same field in the near by kenknit ltd through attachment.After gathering all the experience in the field we decided I and my husband to venture into fully ,so my husband has been supporting supplying me with the material while I do the work of knitting.
I normally knit sweaters and sell at a friendly price which attract many customers than my competitors.The Demand for my products is high .

I do supply of finished sweaters to schools and open air markets. My monthly cost of running the business is US Dollars 400 while average Gross profit before the expenses is usually approximately US Dollars 500

Loan Proposal

Thanks Lenders for the opportunity to borrow again.Given funding I will use the money given to buy knitting wool worth US Dollars 224 .
I target Christmas high sales business and also in January 2016 when children go back to school .
Kindly help to enable me succeed.

Feedback

4

None

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Loan Info

Project Type

Classic Loan

Disbursed amount

$238.00

Date disbursed

Dec 21, 2015

Repayment status

Late

Projected term

20 months

Other loans

Jan 2015:  $100

Jun 2015:  $208

Nov 2017:  $196

Lenders

Kylie

Mount Martha, Australia

nicole

Worcester, Ma, United States

hannele

Kovero, Finland

Z

zmilez

London, United Kingdom

D

Don100

Wilton, United States

S

SammyGeorge

Belfast, United Kingdom

BernadetteV

France

M

msabalau

United States

rjb

Phnom Penh, Cambodia, United Kingdom

K

Kitty

United States

Glenn K

Victoria, Canada

PS

Pedro Soares

Almada, Portugal

Tullio

Italy

Taylor

Memphis, United States

P

Parrish

Canada

PC

Pedro Cambra

United Kingdom

Anonymous

Ocoee, United States

PR

Priscilla Rathbone

Seattle, Washington, United States

LT

Laura Thomson

Inverness, United Kingdom

PS

Pam Sherlock

Germany

SN

Sidney Nik

Germany

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  • Saraphyne Nabwire    Oct 8, 2021

    TERMINATION OF MY MEMBERSHIP
    Dear Zidisha

    The above subject matters,
    I would like to bring to your attention that I will not continue with my membership with Zidisha ,the reason being that :-
    -.When I applied for the loan you never gave me the full amount you gave me less ksh. 13,500 . You had said that you were deducting the ksh.13500 which was refundable if some one does not have any outstanding loan with you and would like to withdraw membership.You termed that amount as one time membership fee.Kindly note that I had decided to pay full amount but slowly as God provides ,but unfortunately I will NOT BECAUSE ,Your team in Kenya the ones you call volunteer mentors keep on harassing me despite loss of business during pandemic I was still paying.
    Now because of the ksh.13,500 deducted and my current balance is ksh.9792 ,kindly refund me the difference of ksh.3708 to my phone number 0720484882 that I overpaid over and above the ksh.13,500 .
    Therefore I will not I will not pay the ksh.9792 balance kindly instead of refunding it please do use it to the clear the loan balance and send me the difference ksh.3,708. Mean while I BELIEVE you will understand balance the books, CLOSE MY ACCOUNT and STOP calling me.
    Best regards
    Saraphyne Nabwire Omula

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  • Saraphyne Nabwire    Dec 7, 2017

    God bless for you consideration and great help

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  • Saraphyne Nabwire    Nov 23, 2017

    ALL IS GOOD ONLY THAT I HAD SOME FAMILY PROBLEM I DELIVERED 3RD BORN WITH COMPLICATIONS WE HAD TO BE ADMITTED FOR 2 WEEKS

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  • nicole    Apr 22, 2017

    Saraphyne, I hope all is going well for you. We have not heard from you in a while.

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  • rjb    Dec 20, 2016

    Hi Saraphyne. How is your business going? Are you able to restart repayments?

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  • Admin    Jul 11, 2016

    Dear Seraphyne, I see that our team did respond to your email, requesting that you let us know the date and amount of your payment, so that we may investigate. Can you please send that information to [email protected]?

    Thank you,

    Julia Kurnia
    Director, Zidisha

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  • Saraphyne Nabwire    Jul 9, 2016

    DEAR LENDERS
    IS THERE ANY ONE WHO CAN ASSIST ME RECONCILE MY LOAN ACCOUNT I TRIED TO WRITE SEVERAL MAILS TO ZIDISHA STAFF BUT STILL NO HELP

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  • Saraphyne Nabwire    Apr 18, 2016

    Hi Zidisha
    Kindly help I have made several mail to your office in regard to you are supposed to reconcile my account alot of transaction have not been updated to my account and these morning I have even received anote in regards final note that I have not paid for long kindly go through my account and let me know what is the problem

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  • Saraphyne Nabwire    Mar 21, 2016

    hi lenders how are you doing .business is ok and we believe God for enlargement through zidisha

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    • S

      SammyGeorge    Mar 21, 2016

      Well done Saraphyne. Stay blessed.

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      • Evaline    Jul 23, 2016

        TERMINATION OF MY MEMBERSHIP
        Dear Zidisha
        The above subject matters,
        I would like to bring to your attention that I that I will not continue with my membership with Zidisha ,the reason being that I was embarrassed last week when after delaying to pay just by two installments you decided to send text messages all over to my referees publishing me as defaulter despite explaining to my volunteer mentor that I will delay a beat.
        I have therefore decided to pay the out standing balance minus ksh.13500 which you deducted from me at the time of joining the community. You had said that you were deducting the ksh.13500 which was refundable if some one does not have any outstanding loan with you and would like to withdraw membership. Therefore I will not I will not pay the ksh.13500 kindly instead of refunding it please do use it to the clear the loan balance since it is exactly equal to the outstanding balance. Mean while I BELIEVE you will understand balance the books, CLOSE MY ACCOUNT and STOP sending text messages to my referees.
        Best regards
        Eveline Nyambane

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    • S

      SammyGeorge    Apr 15, 2016

      Thank you Saraphyne for last payment. Congratulations on completing your loan!

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      • Saraphyne Nabwire    Apr 16, 2016

        Hi Sammy George
        I think their is a problem with my Zidisha account ,my account history and comment side is showing I have paid in full 100% but my loan repayment side is showing I still owe zidisha ksh.800 I dont know which is which

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        • S

          SammyGeorge    Apr 16, 2016

          The information I have says your are fully paid Saraphyne. I am sure Zidisha will update everything soon. Just email them to tell them of your concerns.
          Best wishes for the future.

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          • Saraphyne Nabwire    Apr 16, 2016

            Thanks very much for your response and advice even my records says I have paid in full let me e mail the right away. be blessed

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      • Evaline    Jul 23, 2016

        TERMINATION OF MY MEMBERSHIP
        Dear Zidisha
        The above subject matters,
        I would like to bring to your attention that I that I will not continue with my membership with Zidisha ,the reason being that I was embarrassed last week when after delaying to pay just by two installments you decided to send text messages all over to my referees publishing me as defaulter despite explaining to my volunteer mentor that I will delay a beat.
        I have therefore decided to pay the out standing balance minus ksh.13500 which you deducted from me at the time of joining the community. You had said that you were deducting the ksh.13500 which was refundable if some one does not have any outstanding loan with you and would like to withdraw membership. Therefore I will not I will not pay the ksh.13500 kindly instead of refunding it please do use it to the clear the loan balance since it is exactly equal to the outstanding balance. Mean while I BELIEVE you will understand balance the books, CLOSE MY ACCOUNT and STOP sending text messages to my referees.
        Best regards
        Eveline Nyambane

        Log in to reply • Share
  • S

    SammyGeorge    Mar 4, 2016

    Congratulations lady another payment! Best wishes

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  • S

    SammyGeorge    Feb 10, 2016

    Good job! Well done!

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  • S

    SammyGeorge    Feb 4, 2016

    Thanks for the repayment Saraphyne. I hope you are well and that everything is going well with your business.

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  • Saraphyne Nabwire    Dec 9, 2015

    Dear Zidisha
    GOOD MORNING,
    Kindly check my account I don't know what is really happening for two reasons :-
    1]-The installment I made on 4.12.2015 were refunded to me although that was the largest installment I was making to enable me clear the account so that I can apply for another .Then again I had to log onto my account after two days to see what was happening.Then after that I found out that the system still shows that I owe zidisha sh.7406 of which i did resend the whole amount on 07.12.2015.
    2]-Yesterday the account was credited and after that I decided to go this morning to see if I can make a loan application only now to find out that m loan limit has been reduced back to the previous amount I HAD applied for and my one time repayment has never dropped at any time it remains 100% I don't know what is happening kindly help.

    Yours faithfully
    Saraphyne Nabwire Omula

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  • S

    SammyGeorge    Dec 3, 2015

    Congratulations on completing your payments!!
    You are an amazing lady Saraphyne. I pray that you will have a wonderful Christmas season and a happy and prosperous 2016.
    Wishing you well.

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  • S

    SammyGeorge    Dec 1, 2015

    With many thanks for the payments Saraphyne!

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  • S

    SammyGeorge    Nov 23, 2015

    Thanks for another payment Saraphyne. You are a star!!

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  • S

    SammyGeorge    Nov 5, 2015

    Saraphyne thank you. I hope all is well with you.

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  • S

    SammyGeorge    Oct 14, 2015

    THANK YOU FOR THE PAYMENT SARAPHYNE. BEST WISHES!

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  • S

    SammyGeorge    Oct 3, 2015

    Saraphyne thank you for another payment. I am so happy for you!

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  • Saraphyne Nabwire    Oct 1, 2015

    would like to increase repayment because I have a target of finishing loan December 2015

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