James    Jan 18, 2013

Am sorry that i have taken this long without a comment or appreciation.Do bear with me.Am glad the money came in time and it has really helped me in expanding my business and the intention i had in mind on the December festivities i achieved the goals with the supply and a good competition to my few competitors.
God bless you so much
Looking forward to clear the balance in time

beverly    Dec 31, 2012

Hi James,

Happy new year to you! Wishing you a 2013 full of blessings. Thank you for your loan repayments so far - I have used the money to help fund another Zidisha loan.

Best regards,
Beverly

dcembrola    Sep 19, 2012

September 12, 2012

Hello, my name is Dan Cembrola, one of Zidisha’s Kenya Client Relationship Managers. I am currently visiting Zidisha borrowers in Nakuru and its outskirts.

Today, I met with James Gachuha, a veteran small business entrepreneur who prides himself on the fact that he has “Never been employed by anyone.” This, of course, is to indicate that for the past thirty years he has been in charge of various businesses in Bahati and its surrounds. James owns and manages a general store in Bahati town center, selling everything from food, clothing, cosmetics, cooking supplies and likely anything else you could imagine needing.

Another frequent quote echoed by James is “I’ve never taken a loan from a bank.” James was attracted to Zidisha’s model because of the interest rates that are available and the ease with which he was able to use the internet and MPESA to apply for, receive, and repay his loan.

James’ entrepreneurial spirit is evidenced by the manner in which he has used his added income from his store to purchase an acre of land where he cultivates tea. Any surplus income he receives he invests in buying shares of local companies.

James hopes to complete repayment on his current loan in the next few weeks and apply for a new loan with the hope that it will be funded by October. October through January are the busiest months of the year for his general store and James wants to ensure that he has enough inventory to satisfy the increased demand during these months.

SueB1    Jan 22, 2012

Dear Mr. Gachuha-- Thank you for accepting my bid. Very best wishes to you and your family, and may your business prosper! Sue B

James    Jul 26, 2011

Am still doing well and my business has improved since the cash loan has helped me a lot.Thanks and we will keep in touch

James    Apr 5, 2011

i did appreciate for the loan which came in time.With the 60000,20000 went to the household goods which i stock at the shop,the other 40000 i increased the stock eg flour,sugar,fat and other things which goes along with such commodities.For now the shop is stocked and beautiful looking attracting a much higher number of customers thanks to the zidisha.

James    Dec 22, 2010

i have updated my profile to include the history of the loans taht i had taken and also to give more information on my business