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James Morara Onchangu

Mombasa, Kenya

61% repaid

Entrepreneur

Name

James Morara Onchangu

Member since

March 2014

On-time repayments

99 installments  •  28%

About Me

I am a born again Christian missionary and a businessman living in Mombasa. I am married and i have three children. I run a small handicrafts business as well as a timber yard on the outskirts of Mombasa city. I started the business to uplift my family's economic status and also to help many orphans and destitute children in the community through profits as part of my social responsibility as a missionary.
I buy handmade wooden,stone, leather products made by local artisans in Mombasa and the entire coast regions for resale. This has enabled many of these poor village folk to earn a descent living from sale of their products.

My Business

I run a small handicrafts business. The products that i sell include wooden, stone, leather products that are made by village artisans in the community here in Mombasa and surrounding areas. I have also engaged the services of experienced carvers from the community to make special high priced carvings. I fund my business from my own personal savings but we have challenges meetings customers orders as we don't have enough materials to make products.
We have many orders of handicrafts from Japan, USA, South Africa and Switzerland. My business promotes sustainable Kenyan woodcarvings as well by encouraging the use of farm-grown trees instead of threatened hardwoods for carving, thereby securing carvers’ livelihoods and providing a new income source for many poor rural villagers. Woodcarvings made from Neem (locally known as “Mwarubaini”) rather than over-harvested hardwoods, such as ebony, can now carry the FSC logo, giving consumers peace of mind that the carvings have not contributed to the destruction of the forests of Kenya.

The certification is also unusual in that it certifies wood from small farms for the production of carvings by Kenyan craftsmen, instead of the most common FSC certifications of large-scale, commercial timber production to supply the timber trade and well-known do-it-yourself stores. We contribute to conservation of threatened Kenyan forests and help to improve livelihoods for poor farmers in Kenya by offering free tree seedlings.
The business is profitable since. I used my first Zidisha loan to buy my handcrafts stock from the local villages. I invested the profit into my business and now I have expanded it and employed two orphans who finished their high school and have not got admission into college. I have enrolled them for evening classes in accounting.
I will use this Zidisha loan to buy more stock of handmade arts and crafts from the villages for sale at a profit and uplift their economic status. I intend to use part of the profit to establish a daycare orphan feeding center in the village as part of my social responsibility in giving back to the community.

Loan Proposal

I run a small handicrafts business. The products that i sell include wooden and stone carvings as well as leather products that are made by village artisans in the community here in Mombasa and surrounding areas. I have also engaged the services of experienced carvers from the community to make special high priced carvings. I fund my business from my own personal savings but we have challenges meetings customers orders as we don't have enough materials to make products.

We used our first Zidisha loan of $150 to busy stock and now we have many orders of handicrafts from Japan, USA, South Africa and Switzerland. My business promotes sustainable Kenyan woodcarvings as well by encouraging the use of farm-grown trees instead of threatened hardwoods for carving, thereby securing carvers’ livelihoods and providing a new income source for many poor rural villagers.

Woodcarvings made from Neem (locally known as “Mwarubaini”) rather than over-harvested hardwoods, such as ebony, can now carry the FSC logo, giving consumers peace of mind that the carvings have not contributed to the destruction of the forests of Kenya.

The certification is also unusual in that it certifies wood from small farms for the production of carvings by Kenyan craftsmen, instead of the most common FSC certifications of large-scale, commercial timber production to supply the timber trade and well-known do-it-yourself stores. We contribute to conservation of threatened Kenyan forests and help to improve livelihoods for poor farmers in Kenya by offering free tree seedlings.

My business is profitable as buy my handcrafts stock from the local villages from as low as US$16 - US$80 and i sell at US$30- US$150 depending on each item .I get a profit of US$500 every month. I invested the profit into my business and now I have expanded it and employed two orphans who finished their high school and have not got admission into college. I have enrolled them for evening classes in accounting.

I will use this Zidisha loan to buy more stock of handmade arts and crafts from the villagers for sale at a profit and uplift their economic status. I intend to use part of the profit to establish a daycare orphan feeding center in the village as part of my social responsibility in giving back to the community. I will be grateful to Zidisha lenders for giving me a hand once again.I promise to invest wisely and repay my loan promptly.

Show original English  

About Me

I am a born again Christian missionary and a businessman living in Mombasa. I am married and i have three children. I run a small handicrafts business as well as a timber yard on the outskirts of Mombasa city. I started the business to uplift my family's economic status and also to help many orphans and destitute children in the community through profits as part of my social responsibility as a missionary.
I buy handmade wooden,stone, leather products made by local artisans in Mombasa and the entire coast regions for resale. This has enabled many of these poor village folk to earn a descent living from sale of their products.

My Business

I run a small handicrafts business. The products that i sell include wooden, stone, leather products that are made by village artisans in the community here in Mombasa and surrounding areas. I have also engaged the services of experienced carvers from the community to make special high priced carvings. I fund my business from my own personal savings but we have challenges meetings customers orders as we don't have enough materials to make products.
We have many orders of handicrafts from Japan, USA, South Africa and Switzerland. My business promotes sustainable Kenyan woodcarvings as well by encouraging the use of farm-grown trees instead of threatened hardwoods for carving, thereby securing carvers’ livelihoods and providing a new income source for many poor rural villagers. Woodcarvings made from Neem (locally known as “Mwarubaini”) rather than over-harvested hardwoods, such as ebony, can now carry the FSC logo, giving consumers peace of mind that the carvings have not contributed to the destruction of the forests of Kenya.

The certification is also unusual in that it certifies wood from small farms for the production of carvings by Kenyan craftsmen, instead of the most common FSC certifications of large-scale, commercial timber production to supply the timber trade and well-known do-it-yourself stores. We contribute to conservation of threatened Kenyan forests and help to improve livelihoods for poor farmers in Kenya by offering free tree seedlings.
The business is profitable since. I used my first Zidisha loan to buy my handcrafts stock from the local villages. I invested the profit into my business and now I have expanded it and employed two orphans who finished their high school and have not got admission into college. I have enrolled them for evening classes in accounting.
I will use this Zidisha loan to buy more stock of handmade arts and crafts from the villages for sale at a profit and uplift their economic status. I intend to use part of the profit to establish a daycare orphan feeding center in the village as part of my social responsibility in giving back to the community.

Loan Proposal

I run a small handicrafts business. The products that i sell include wooden and stone carvings as well as leather products that are made by village artisans in the community here in Mombasa and surrounding areas. I have also engaged the services of experienced carvers from the community to make special high priced carvings. I fund my business from my own personal savings but we have challenges meetings customers orders as we don't have enough materials to make products.

We used our first Zidisha loan of $150 to busy stock and now we have many orders of handicrafts from Japan, USA, South Africa and Switzerland. My business promotes sustainable Kenyan woodcarvings as well by encouraging the use of farm-grown trees instead of threatened hardwoods for carving, thereby securing carvers’ livelihoods and providing a new income source for many poor rural villagers.

Woodcarvings made from Neem (locally known as “Mwarubaini”) rather than over-harvested hardwoods, such as ebony, can now carry the FSC logo, giving consumers peace of mind that the carvings have not contributed to the destruction of the forests of Kenya.

The certification is also unusual in that it certifies wood from small farms for the production of carvings by Kenyan craftsmen, instead of the most common FSC certifications of large-scale, commercial timber production to supply the timber trade and well-known do-it-yourself stores. We contribute to conservation of threatened Kenyan forests and help to improve livelihoods for poor farmers in Kenya by offering free tree seedlings.

My business is profitable as buy my handcrafts stock from the local villages from as low as US$16 - US$80 and i sell at US$30- US$150 depending on each item .I get a profit of US$500 every month. I invested the profit into my business and now I have expanded it and employed two orphans who finished their high school and have not got admission into college. I have enrolled them for evening classes in accounting.

I will use this Zidisha loan to buy more stock of handmade arts and crafts from the villagers for sale at a profit and uplift their economic status. I intend to use part of the profit to establish a daycare orphan feeding center in the village as part of my social responsibility in giving back to the community. I will be grateful to Zidisha lenders for giving me a hand once again.I promise to invest wisely and repay my loan promptly.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$464.00

Date disbursed

Jul 3, 2014

Repayment status

Late

Projected term

21 months

Cost to entrepreneur

Lender interest: $464.00 at 6.84% annual rate over 21 months = $55.54

Service fee: $29.00

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  • James Morara Onchangu    Nov 10, 2022

    Hey Lenders. I am back. My business partner passed away leaving with huge debts to repay. After settling down,my dear father passed on. Things have not been rosy. However I am back now for business and promise to make my loan repayment instalment as soon as possible. Better late than never.

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  • James Morara Onchangu    Jul 9, 2019

    Good morning/afternoon/evening dear lenders wherever you are around the world. I am now back to business. I thank God for the breakthrough in challenges I have been passing through. I will readjust my loan repayment then start making regular loan repayments. Will update you here as soon as I make my first repayment.

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  • James Morara Onchangu    Sep 25, 2017

    Hello Lenders,
    I am glad to let everyone know that i am back to Zidisha after passing through health issues. I am now ready to finish repaying my loan as soon as possible.

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  • James Morara Onchangu    Dec 6, 2016

    Good morning /afternoon/evening dear lenders wherever you are around the world. I am sorry that i have been a way for so long due to poor health and my business went down and under. I thank God that i am back. I am soon starting to repay my loan and hope to catch up with my repayments. Thanks for your patience.

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  • James Morara Onchangu    Dec 11, 2015

    Hello Lenders.
    Here is a confirmation from Zidisha about my payment received:


    Dear James Morara Onchangu,

    Thank you for your loan repayment of 500 KES. This amount has been credited to your Zidisha account balance.

    Don't forget to keep your lenders informed of your progress! Please log in to your Zidisha website account and click "Post a Comment" in the dashboard. Add photos if possible! Regular communication with lenders will help establish good relations such that that they will be happy to lend to you again in the future.

    Best wishes,

    The Zidisha Team

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  • James Morara Onchangu    Dec 10, 2015

    Dear Zidisha lenders.
    First and foremost i take this opportunity to apologize for not being able to make my loan repayments in time. I had a series of health issues but i thank God that i am now well. I have committed to make weekly repayments as scheduled without fail.
    My business is picking up momentum again especially this festive end year season. I made my Mpesa repayment instlament of Ksh. 500 Transaction no. JLA5MFF6LB Confirmed Ksh.500 sent to Zidisha Inc. for account 0721224280 on 10/12/15 at 5:15 PM

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  • James Morara Onchangu    Aug 23, 2015

    Hello Lenders. I do hope that everyone is doing fine. My business was down but it is picking up now that tourism in Kenya is picking up. I will make prompt repayments and possibly increase my instalments payment in the coming weeks to clear my loan as soon as possible. Thanks for your patience and encouragement.

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  • James Morara Onchangu    Jun 1, 2015

    Hello lenders, I am glad to let you all know that i am currently repaying my loan in time after dealing with the issues that made lag behind in loan repayments. My handicrafts business is doing well and i hope to complete this loan soon. Have a blessed day.

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  • James Morara Onchangu    Apr 2, 2015

    Dear Zidisha lenders. First and foremost, i send my apologies for not repaying my loan as required. I had illness issues in my family that made my financial postion in a downward trend. I am however glad to let you all know that i am back in business. I have temporarily rescheduled my repayment to Ksh.500 every week until the situation improves. I will posting updates on how my business is doing. I paid my instalment of Ksh.500 today via Mpesa transaction no. GT15WL861

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  • James Morara Onchangu    Apr 2, 2015

    I would like to reduce the above payment instalment because my business is down at the moment and i will be comfortable paying the amount until the business picks up..

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  • Henry Cheruiyot    Dec 9, 2014

    CONGRATULATION JAMESS MORARA IN YOUR BUSINESS.

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  • James Morara Onchangu    Dec 6, 2014

    Hello lenders. I am waiting for my payments for handicrafts i delivered to an Australian client. I will be making my 2 late repayments soon. Thanks for your patience.

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  • Henry Cheruiyot    Nov 20, 2014

    CONGRATULATION JAMES MORARA ONCHANGU IN YOUR BUSINESS, KEEPIT UP.

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  • James Morara Onchangu    Nov 18, 2014

    This is the confirmation email that i received from Zidisha early today.

    Dear James Morara Onchangu,

    Thank you for your loan repayment of 6,690.00 KES. This amount has been credited to your Zidisha account balance.

    Now, we'd like to ask for your help. Please log in to your Zidisha website account and click "Post a Comment" in the Welcome page. Then type a comment to let lenders know what new things have happened in your business, family or your own life, especially if something has improved thanks to the loan. Add photos if possible! Regular communication with lenders will help establish good relations such that that they will be happy to lend to you again in the future.

    Best wishes,

    The Zidisha Team

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  • James Morara Onchangu    Nov 18, 2014

    Thanks Zidisha for updating my loan information.

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  • James Morara Onchangu    Nov 17, 2014

    I think i made an overpayment of two instalments yesterday. waiting for Zidisha to update my loan info.

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  • James Morara Onchangu    Nov 16, 2014

    Dear lenders. I have been late in making my loan repayments due to my clients paying late for my handicrafts. I have made six repayment instalments (Ksh.6690) of my loan through Mpesa. Mpesa confirmation code no is FZ40GE355 Ksh.6690 16th November 2014 at 16:25 pm. I am waiting for Zidisha to update my loan promptly.

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  • James Morara Onchangu    Nov 4, 2014

    Just got my loan repayment confirmation message from Zidisha. Thanks Zidisha for updating my loan payments.

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  • James Morara Onchangu    Nov 3, 2014

    Dear Zidisha lenders. I back after a long absence. Yesterda Sunday 2nd November 2014, i made my loan repayment via Mpesa FX36LO190 of Ksh.3,500 being a repayment for 3 instalments. I am waiting for Zidisha to update my loan repayment accordingly. Thanks lenders for your patience and support.

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  • James Morara Onchangu    Sep 23, 2014

    Hello Zidisha lenders. I have been away and i missed making two loan payments. I will be pay the loan appropriately. Thanks for your understanding..

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