Another chance granted ! the loan if financed will be apportioned here below;

Joan

Eldoret-kisumu Ndogo, Kenya

0% repaid

Entrepreneur

Name

Joan

Member since

July 2013

On-time repayments

254 installments  •  2%

About Me

MY NAME IS JOAN KERUBO.i am the second born in a family of four.i finished my secondary school in the year 2011.i have already enrolled for January intake for CPA course.From the year 2012 i started up a cyber shop which included photocopying,printing browsing among others.
i started up the business since i had to start saving for my college fees.
I have also opened an Mpesa from the the same shop which offers deposits,withdrawals and Mpesa registrations among other safari com dealer responsibilities.

My Business

As described above,From the year 2012 i started up a cyber shop which included photocopying,printing browsing among others.
i started up the business since i had to start saving for my college fees.
I have also opened an Mpesa from the the same shop which offers deposits,withdrawals and Mpesa registrations among other safari com dealer responsibilities.
My monthly INCOME FOR THE CYBER SHOP IS ABOUT KS 25000 and for my mesa is about ks 20000 both net after expenses.The profits i have been saving part of it to see me through my college as from January 2014.

Loan Proposal

First i appreciate your continued support lenders.
For these loan,60% will improve my Mpesa working capital.I have been running mostly frequently to borrow my neighboring shops as customers are transacting extremely beyond the limit i have.These loan will have done so much for these.
40% will be used to purchase printing papers,safaricom lines,credit cards and if any balance will remain after these ,i will increase to the Mpesa.
I will be remitting my monthly payments just as before.
Once more i appreciate your continued support and God bless you so much

Feedback

3

None

1



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Loan Info

Project Type

Classic Loan

Disbursed amount

$451.00

Date disbursed

Feb 10, 2014

Repayment status

Late

Projected term

58 months

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cranejoad

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Matching Fund

Sterling, United States

P

PietjeP

Eindhoven, Netherlands

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  • Joan    May 5, 2014

    hi lenders and all zidisha,
    i would to say i am sorry for the silence and not paying my loan as previously agreed upon.i have rescheduled to start payments from next week.i will also be needing g assistance from zidisha to change for me my relatives and neighbors as i was assisted during application.
    i have been having a problem from my family which i hope by next week i will be having at least humble to start making payments.my reschedule also can be reversed so it doesn't mean actually i will pay for all the period but i will reschedule to reduce the period once more.
    Thank you.

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  • Gaudensia    May 3, 2014

    hi lenders,my name is gaudensia and most recently i was assigned to mentor Joan.she has always been off since i made several calls.i then decided to send her messages which was delivered and there was no response to the message.i informed her on how she can make a small payment if she cant manage to pay and also inform your lenders on the situation she is in as your lenders will always understand.
    i ope these message finds you well and hopefully Joan responds too before i locate her as i also come from the same place as her.
    Thank you.,
    Gaudensia.

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    • howard    May 12, 2014

      Thank you Gaudensia for your efforts. I am reluctant to believe that Joan is a cheat, and want to believe she will start paying soon, and will prove to us all that she is an honest lady.

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  • howard    Apr 28, 2014

    Hello, Joan
    You have rescheduled your loan for repayment of very small amounts over 5 YEARS. Can you not even even afford these very small amounts each week? I am sure that you can, and Eric Otieno had confidence in you.

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  • osorin    Apr 6, 2014

    Hello Joan,

    I hope your business is going well. Please consider paying back your loan, even if it is in smaller amounts. We, as investors, have to be able to trust the people we lend our money to. By paying us back regularly, you keep that trust alive.

    Sincerely,
    Osorin

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  • Joan    Feb 26, 2014

    i will be making payments each every month when i will be getting my commision meaning i have made rescheduling to enable me settle well for that and re-schedule once more.
    thank you so much zidisha for your kindness and support

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    • Eric    Mar 28, 2014

      You are always off on your mobile phone miss.Joan! please kindly update your lenders.

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  • Joan    Feb 26, 2014

    First i appreciate your continued support lenders. For these loan,60% will improve my Mpesa working capital.I have been running mostly frequently to borrow my neighboring shops as customers are transacting extremely beyond the limit i have.These loan will have done so much for these. 40% will be used to purchase printing papers,safaricom lines,credit cards and if any balance will remain after these ,i will increase to the Mpesa. I will be remitting my monthly payments just as before. Once more i appreciate your continued support and God bless you so much.
    HAVE A NICE DAY

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  • Joan    Feb 9, 2014

    First i appreciate your continued support lenders. For these loan,60% will improve my Mpesa working capital.I have been running mostly frequently to borrow my neighboring shops as customers are transacting extremely beyond the limit i have.These loan will have done so much for these. 40% will be used to purchase printing papers,safaricom lines,credit cards and if any balance will remain after these ,i will increase to the Mpesa. I will be remitting my monthly payments just as before. Once more i appreciate your continued support and God bless you so much.
    HAVE A NICE DAY.

    JOAN

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  • Joan    Feb 8, 2014

    dear lenders,
    anagnan, howard, jerryqJimVandegriff,Volpone and cranejoad-
    i would like say thank you so much for the loan which has exactly lasted for 31 days and started repaying after one week,my income is based on daily basis and the remaining two installments i cleared yesterday.
    i ope of given another opportunity i will come back to you once more to upgrade my mpesa shop.
    THANK YOU.

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