DocHolliday    Jun 6, 2015

Could you update us on how things are going, please?

DocHolliday    May 9, 2015

Hello - have conditions on your farm improved?

Simon    Mar 28, 2015

Dear lenders,
I hope you are all doing well.I am doing well too. Things have been moving from worse to worst here. I have not been in a good financial position to send my monthly repayments. The drought has really affected the business and we have not been able to recover from the losses we are undergoing in the farms. This is because my business is 100% rainfall dependent

• DocHolliday    Mar 30, 2015

  I've read from other borrowers that the rains have begun - I hope that your farm will come back to life now.

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DocHolliday    Feb 22, 2015

Thank-you for making a repayment recently.

Simon    Jan 16, 2015

Dear lenders,
I hope you are fine and doing great with the welcoming of a blessed new year 2015. I am fine and doing great. The new year brings hope and we are positive that things will change for the best. The situation from the drought of the past year has not improved and the business is not doing well. I am however positive that things will change and improve for the best.

• DocHolliday    Jan 17, 2015

  Thank-you for your message, and for your recent repayment. I do hope that your situation improves in the new year.

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Simon    Nov 23, 2014

dear lenders.
I would like to reduce my repayment installments. this is due to the status in which the business is at the moment. the income from the business has declined and therefore am unable to raise the current installment. i am however positive that things will improve with time. the decline has been much attributed by the persistent drought in most parts of the country and this has made business to become difficult.

• DocHolliday    Nov 29, 2014

  Thank-you for letting us know that the drought continues to cause difficulty for you.

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DocHolliday    Oct 28, 2014

Hello Mr. Karanja, we haven't had any news from you in awhile. Please let us know how things are going for you. Thank-you.

DocHolliday    Sep 22, 2014

Mr. Karanja, any rain yet? I hope that your farm and family does not suffer still from the drought. Please let us know how you are.

DocHolliday    Aug 29, 2014

Hello Mr. Karanja, how are you? How is your business on your farm? Does the drought in your area continue?

Simon    Jul 8, 2014

dear lenders,
I wish to request to for a reschedule my loan at the moment. I have not been able to repay my loan for the past few weeks and thus wish to request for some more time.The business has not been doing well and therefore I request for some more time. The business has been affected by the rains which failed and thus reducing consumers purchasing power

• DocHolliday    Jul 8, 2014

  Thank-you for making a repayment on July 1st, despite the way that the drought is acting on your business. Are your cattle doing alright in the drought? I hope you are still able to find enough food for them. Wishing you and your family continued good health.

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Simon    May 20, 2014

dear lenders
My business has not been doing well and thus I wish to request to reschedule my loan for some time. I am therefore requesting that I repay in the coming repayment. The customers purchasing power has reduced due to the unexpected dry season that we are experiencing here. We were expecting rainfall in the months of April and May but the rains have failed thus affecting the business negatively.

• DocHolliday    May 24, 2014

  Hello Mr. Karanja, thank-you for your message, for explaining the reason you need to change your repayment plan. It is bad luck that the rains have not come. Perhaps they will arrive late, in June? Good luck and take care.

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DocHolliday    May 8, 2014

Greetings, Mr. Karanja, I hope this message finds you well. It has been some time now since there has been news from you - are you all right?

Simon    Apr 15, 2014

Dear lenders,
I have been having slight problems that have affected my business and thus wish to request for some more time in order to repay my weekly repayments. I am hoping for the best and it is my sincere hope that all will be well and I will be able to be sending my repayments on time. Thanks alot.

• DocHolliday    Apr 25, 2014

  Hello Mr. Karanja - Thank-you for your repayment on April 5th. I hope that you are now feeling better and that your dairy cattle are producing well.

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Simon    Mar 25, 2014

Dear Lenders,
I wish to reschedule my loan. This is because I got sick for the past two weeks. I was admitted in hospital for three days and was later released from hospital. I have been taking medication at home and I am improving well. I have therefore been in a position to repay my weekly installments but I am hoping to resume the repayment once I get better.

• DocHolliday    Mar 25, 2014

  Hello Mr. Karanja,
  I am sorry to learn that you have been ill. Thank-you for letting your lenders know, and I hope that your health continues to improve.

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DocHolliday    Mar 4, 2014

Hello Mr. Karanja. I hope you and your family are well. How is your farming going? Thank-you.

Simon    Feb 17, 2014

Dear lenders,
I hope you are all doing well wherever you are. I am doing fine and my business is doing well. I would like to reduce the amount of money that I usually repay every week and it is my hope that the amount I want to indicate will be comfortable for me.
I wish to be repaying my loan with an amount of 2500ksh per month. Wishing you well in your endeavors.

DocHolliday    Jan 28, 2014

Hello Mr. Karanja - Thank-you for your repayments. Have you been able to make the purchase of a grass cutter as you hoped?

JulianHF    Jan 7, 2014

Best of luck Simon - Have a good year :)

McDermotts    Dec 30, 2013

Dear Simon

I am interested in participating in your loan but I have a question about your business performance. You state:

"My typical monthly cost is khs 50000, sale revenue is around ksh 25000 and profit is above 20000 but I am planning to earning more."

This is the formula that I usually see, Revenue - Cost = Profit

But your numbers don't seem to work in this model. Would you please restate the performance of your current business stating

Revenue: (total monies earned by you in the period)
Cost of Sale: (total costs associated with sale in period)
Overhead Costs: (any running costs that would exist whether you sell or not)

Profit : (Revenue - CoS - O/H)

Whilst it is very useful to see this as your best guess it would be valuable to see the actual performance of your farm for the calendar year 2013 and 2012 (if possible) and then an expression of you hope for 2014 with the addition of the loan.

Please feel free to contact me directly if you would like to discuss my question in more detail.

Kind regards

James

Simon    Jun 24, 2013

Thank you lenders and Zidisha team for the good work that you have been doing and you are still doing. My business has improved as many farmers have now started harvesting beans. This has improved the purchasing power of most of my customers and thus my revenues have increased. This is why I would like to clear all my outstanding loan at this moment. Thank you.