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Muganda Nyongesa

Luanda, Kenya

100% repaid



Muganda Nyongesa

Member since

August 2014

On-time repayments

215 installments  •  14%

About Me

I was born on 22nd May, 1989 and named Muganda Nyongesa Edward. I am the first born and hence much is expected from me as the role model to my two brothers and one sister. I attended Maseno Mixed Primary School, Emusire High School and Ebusakami High School respectively. Currently I am pursuing an undergraduate Bachelor’s Degree in Business Administration with Information Technology (Human Resource option) at Maseno University on a parallel basis. I am engaged to Caroline Alimu and blessed with one son Teddy Ryan Muganda now two years old.
I am an innovative, assiduous, industrious Kenyan, well organized and highly motivated towards achieving my goals. My hobbies include learning and sharing new ideas, constructive debating, reading business journals and watching soccer.
I currently reside at Ebusakami Junction, along Kisumu Busia highway road and a junction to Kakamega town.
Being a student had to find a way to sustain my financial needs and since I couldn’t find a job the only way out was to find an appropriate business to venture into. I started out by selling second hand clothes (mtumba) on a mobile basis. This was funded by some little earnings got from working on a casual basis at International Centre for Research and Agroforestry during my long holidays. I would buy the clothes from Luanda market and later on sale them to my fellow comrades students at Maseno University. From this was able cover up my bills such as house rent, electricity bill, food and assist my parents in funding for my school fees.

My Business

LOCATION: Ebusakami Junction to Kakamega, along Kisumu Busia highway road and about ½ km from Luanda Town.
The business has been operational since late 2011 up to now. The customer environment comprises of Schools, Churches, college students, surrounding community and individual using the Kisumu – Busia Highway.
The business offers variety of services ranging from sale of stationeries and computer accessories, m-pesa services, sale of sodas and computer services i.e. typesetting, printing, scanning, internet services and photocopy. Business earnings is used on stock update, repairs and replacement of any faulty machine parts and venturing into new business opportunities i.e. m-pesa agent services and soda sale.
Monopoly market within the location i.e. only one offering Computer services.
Very strong devoted customer followers who will always come for my services and products from Bridge ICT.
Good customer care. This has created a strong following for the services offered hence not only recruiting new customers but retaining them.
Strong designs and quality i.e. card designing, document presentation.
Outsourcing out for job opportunities from fellow college students i.e. photocopy of handouts for classes and research project typing, and printing.
Lack of internet services (cyber café) for self-browsing hence making other customers opts to go to Luanda.
Speed of the photocopy machine is slow in producing many copies.
Lack/Minimum operating float in M-pesa services as compared to the customers demand.
Stock inadequacy to satisfy the market i.e. Stationeries and computer accessories.
Reduce prices to increase market share on stationeries and computer accessories.
With strong customer base, Bridge ICT can easily venture into other avenues i.e. m-pesa agent and sale of sodas.
Technological development within the country hence the need to offer Computer packages training.
Offering new and enticing services i.e. Equity Bank Agent services.
Installation of a power back up.
Many people now embracing personal computers i.e. phones, laptops, printers and copiers at household level.
Provision of laptops to schools by the government.
Frequent power blackouts.
Based on my SWOT analysis of Bridge ICT, I have been investing in the business based on the Strengths and opportunities aspects of the analysis. One of its major challenges is financial stability that seems to be a major threat in running of its day to day activities. As the owner of Bridge ICT I want steady and growing annual returns on the investments.
Bridge ICT operational day and monthly income is as summarized below:

Overheads Usd. Per day Usd. Per month (25 days)
Computer services 9.22211 230.553
Stationeries 1.15276 28.8191
M-pesa 46.1106
Soda 3.45829 86.4573
TOTAL 13.8332 391.940
Bridge ICT operational day’s expenses accompanied by other monthly and yearly production overheads as summarized below.

Overheads Usd. Per month Usd. Per Year
Rent 34.5829 414.995
Electricity 17.2915 207.498
Wages (225×25 working days) 64.8430 778.116
Business license 51.8744
Music Copyright Society of Kenya 40.3468
Miscellaneous 28.8191 345.829
TOTAL 87.8983 1,838.66

Loan Proposal

I will use the loan funds you give me towards my business expansion for the following items;

1. 20 reams of photocopying papers for Kshs. 6000/=

2. 10 bottles of ink for Kshs. 3700/=

I will be grateful and happy for your contribution towards my loan funds.

I look forward to hearing from you soon.







Loan Info

Project Type

Classic Loan

Disbursed amount


Date disbursed

Dec 8, 2014

Repayment status

On Time

Projected term

6 weeks

Cost to entrepreneur

Lender interest: $100.18 at 6.52% annual rate over 1 month = $0.86

Service fee: $0.49



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Matching Fund

Sterling, United States


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Brecht, Belgium



Maputo, United States


United States



Brisbane, Australia

Johannes Duerk

Bochum, Germany

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  • Muganda Nyongesa    Feb 23, 2019

    Financial constraints

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  • Muganda Nyongesa    Jan 3, 2019

    Current Financial constraints

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  • Rex Omuka    Oct 28, 2018

    I have talked to him in person and been to his place of business where he agreed to co-operate and repay his loan soon.

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  • Muganda Nyongesa    Oct 18, 2018

    Hi, Zidisha am glad to be back after a long period of time. Have just reviewed my loan repayment and promise to comply and make the remaining amount as per the schedule.

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  • Rex Omuka    Jan 8, 2018

    I took an initiative of going to his place of business and talked to him top start making payments soon. He promised to repay the loan.

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  • Rex Omuka    Aug 4, 2017

    Good evening all!

    I have talked to Munganda Nyongesa and he has agreed to start making payments. I have decided to remind him frequently until he finishes the loan.

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  • Rex Omuka    Feb 23, 2017

    I have been to his business and found hime there. He has promised to start making payments in the next month without failing.

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  • Norris Wafula    Apr 29, 2016

    I was unable to reach Muganda but will keep working on the same.

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  • Norris Wafula    Mar 11, 2016

    Muganda will submit his loan repayments soon.

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  • Norris Wafula    Feb 10, 2016

    once again Muganda promised to work on his loan repayments as soon as possible.

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  • Norris Wafula    Dec 22, 2015

    I gave Muganda a reminder about his loan and he agreed to work on it.

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  • Norris Wafula    Nov 10, 2015

    Muganda made some payments and is just waiting for the same to reflect on his dashboard.

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  • Muganda Nyongesa    Oct 16, 2015

    Currently the mpesa business is stable with sufficient float as campared to the computer services business which suffered a great challenge due to recently concluded teachers strike nation wide within the country. Now that they are back its picking up slowly hence the need in reducing the instalment. Thanks in advance for your understanding.

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  • Norris Wafula    Sep 28, 2015

    Muganda is doing well and promised to deposit his loan repayments before the end of the week.

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  • Muganda Nyongesa    Aug 19, 2015

    sickness emergency hence had yo divert some of the business money. Hope to readjust the instalment soon

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  • Norris Wafula    Aug 1, 2015

    I talked to Muganda and he stated that he will submit his loan repayments on Monday.

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  • Muganda Nyongesa    Jun 24, 2015

    Cheers to Zidisha Org. for the financial support of kshs. 36,103 disbursed to me on 9th June 2015. You guys are awesome and amazing. I am doing my best not to let you down for believing in me. The funds came as a boost to the business as for now customer satisfaction is guaranteed within my mpesa transaction business. Thanx alot

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  • Muganda Nyongesa    May 26, 2015

    With the previous loan funds you funded me i purchased the items i proposed the loan with and with the profits i got i have added more stock to my business and i am so grateful for your support.

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    • djkmoran    May 26, 2015

      Hello Muganda, I am glad to hear that you are doing well. I am more than happy to contribute to your new loan application.

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  • Muganda Nyongesa    Apr 9, 2015

    Hi, thanx for the dream validity enhanced by Zidisha orgainization. To the lenders you are actually God sent; believing in our ideas wiithout giving the miles we are away from you a chance to discourage you funding us. I received my second loan of kshs. 18,068 early February and used it to increase the amount of float in my M-pesa transaction business. Since then i realised an immediate effect on my commission which improved tremendously in the subsequent month. with your support morale has been restored upon me to conqour higher heights in bussinees world without limit. Cheers to zidisha Inc.

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  • Muganda Nyongesa    Jan 29, 2015

    The previous loan i applied really increased my stock and brought in additional profits.

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