Business development loan

Theo    Mar 18, 2019

Hello Josphine, what's the reason, for the delay in our repayment?

Josphine    Jan 18, 2019

Government taxation has increased

Josphine    Nov 17, 2018

I wanted to buy binding machine and lamination machine.
It will help me to easy the job and and also to keep the customer not to go to the net shop to get his/her job done he/she will stick to one place.

Thanks my Lenders for helping me and giving me another loan to achieve my goals in my business.I do appreciate.

Josphine    Nov 14, 2018

Am very happy to have this great moment to share the nature of my business entity to zidisha financiers and hope they will find it worth investing in. Well i run a cyber cafe named as bejoska cyber cafe at salman centre which borders both kenyatta university and jomo kenyatta university campuses. At my enterprise i offer the following services;browsing,batch printing ,photocopying, scanning also i supply printing papers to stationary shops in this area. The demand for my service and products is usually high during school seasons. I have made a quite number of regular clients since am among the first proprietors here.

Nancy Wanjeri    Oct 19, 2018

Josphine has told me that she paid her installments and they are yet to credit in her account.Thank you

Josphine    Jul 11, 2018

I thank the lenders for the previous loan. The current loan will be utilized as additional capital to purchase a new photocopier costing 90 dollars to improve efficiency and increase profitability.

Kibet    Dec 13, 2015

Excellent payment!! keep it up like that Josephine. All the best.

Josphine    Oct 29, 2015

The zidisha loan has enable me to expand my business by it has enable me to buy new machines and also for enable me to budget other things. which I never had.

Josphine    Mar 17, 2015

I bought computer and a printer since then it has made a different more customers has come and my business is at list not like before

Josphine    Mar 17, 2015

Am much grateful for good work which you are doing for helping me with the loan .My business has improved am so grateful customers are not complaining as before .Keep up with that good work.

Josphine    Jun 9, 2014

Hello Sir/Madam.
My business has been doing fine for the last 1 month now I have seen the fruit of it, that’s why I reschedule my loan to pay Ksh 8,630 and clear my balance .
I had to finish paying my loan when I got the amount and I have paid on time .Am really glad Zidisha for helping me in many ways , I have seen the fruit of it without Zidisha I could be no where thank you Zidisha for expanding my business.
I have paid 8,630 on 7th June 2014.

Josphine    Jun 6, 2014

Zidisha has helped me in many ways by expanding my business.Am moving far because of Zidisha .Thank you zidisha for what you have done for me .. keep on with that good spirit.

Josphine    Feb 26, 2014

Dear Sir/Madam,

My business has not been doing well that's why I to reschedule my loan to pay Ksh 500. .I was requesting you to allow me reschedule my loan payment .When my business picks up I will continue paying reasonable amount.The profit i make per week is quite low to pay the weekly amount.Therefore i hope you will adhere with my request to pay the said amount.Thanks in .advance.


Yours Faithfully Josphine Wafula.

CZC    Feb 12, 2014

Josphine,

I have just received your 3rd repayment today. Thank you for being so prompt in your payments.

If you have some time, could you tell us a bit about how your business is doing? Have you seen an increase in business after you took out this most recent loan?

Cris

florian    Jan 11, 2014

Congratulations on repaying your loan. I hope your business continues to grow as access to technology and information will help many in your community expand their opportunities.

--Florian

Josphine    Jan 9, 2014

Josphine Datrisa Wafula
PO Box 15212,
Nakuru.
Kenya.



The Manager
Zidisha Microfinance Limited

09/01/2014.

Dear Sir/Madam,
RE: LOAN RESCHEDULING.
My name is Josphine Datrisa Wafula, I am a businessperson owning a cyber café in Kenya. I have a borrowing history with your organization where I have completed repayment of prior loan ahead of schedule to allow me the opportunity to seek further loan to expand my budding business. The rescheduling of the loan has been necessitated by the uptake of business in the recent past where I have witnessed increased demand for the services.
As afore-mentioned, my business is in the Information Communication and Technology (ICT) sector. The sector has been having increased demand nationwide, aided by various factors including government initiatives, higher population of students across various levels, increasing numbers of professionals who outsource parts of their information processing work, among others. At the local level, Nakuru town where the business is situated has seen increases in the number of Universities from three five years to over 20 now. The same trend has been witnessed in the banking sector with virtually all national banks represented locally. Other professionals who have increased the demand for services offered by my business include lawyers, contractors, doctors and teachers/lecturers.
Amid this growing service demand, my business has not been able to scale up its operations to meet the market needs. The can be explained by limited availability of resources up-front to increase the business capacity. Already the business has space in a centrally located building and has had no problems taking care of utilities, rent, labour and other items for running the business. But the business has not been able to offer printing, photocopying and enough workstations for the patrons.
Therefore, at the moment, I make a reuest for loan to enable me acquire a printer, photocopy machine, and one additional desk top computer.

Yours faithful,
Josephina Wafula.

• mewesten    Jan 9, 2014

  Hello once again, Josephine,
  I left you a note in early November. I'm sure that you are very busy. It's good to finally hear from you.
  
  For assistance you can contact Zidisha by email.
  [email protected]
  
  I believe you must repay your existing loan before beginning another one.
  Sincerely,
  marvin

  Log in to reply • Share

  • Josphine    Jan 19, 2015

    Thank you for helping me again 2015 to achieve the best in growing up my business.

    Log in to reply • Share

mewesten    Nov 5, 2013

Hello Josphine,
Your first Zidisha loan payment arrived today. Thank you very much for that.
I hope the modest additional capital helped you obtain stock for your business.
Thanks for letting us share in the success of the Bejoska Cyber Cafe.

Please write a note when you can. We would like to hear how you are doing.
Marvin