Photocopy paper and photo-printing paper

Ruth

Nairobi,dagoretti Corner, Kenya

100% repaid

Entrepreneur

Name

Ruth

Member since

May 2014

On-time repayments

300 installments  •  89%

About Me

My name is Mrs. Ruth Victorine Musela I am married to Mr. Yose Musela and we are blessed with one son, we reside on Riara Road in Riara Meadows 15 minutes walk from Nakumatt Junction. I am a retired secretary after being a secretary for the last 20 years. I decided to open a Secretarial Bureau where I offer secretarial services having vast experience in this field.

I thank God because I have managed to run it for the last 6 years but I would like to improve and boost it to become a bigger business.

My Business

About my business I started it as a typing and photocopy shop. Apart from photocopying I introduced snacks and drinks to keep my clients going as a do the photocopying and typing for them. My photocopier machine is an old version and I would like to get one that photocopy and scan at the same time. I also would love to increase my stock in the shop since it is in a prime area and it gets busy and I get that sometime I do not have enough stock. I would love to grow my business into a big business which can sustain me and my family. I have introduced M-pesa business through your kind assistance and it is doing very well only I need to have more float at any given time.

I have started a Self organization group of about 30 business minded people, we have meetings every Fridays with the aim of helping each other financially and with good ideas. I also have an orphan that I am educating through the finances I make from my business that's thanks to you people who have been of great assistance to me.

By God's grace I have started a prayer group which we meet and share the word of God and read the bible together and very soon we are starting prayer lesson where we impart other ladies on how to go before the Lord on your own I thank God for that.

With the help of God I know I can make it because there are opportunity.

Loan Proposal

I would like to kindly request another loan to boost the stock I have since my clientel is growing and to have sufficient supply I need to restock my products the Loan requested is to buy additional stock Bulk Photocopy Papers USD350, As I always do passport photographs for job ID I need to restock Photograph Printing Papers USD250 and balance of USD100 is to buy Printing Cartridges which I also supply to some of my customers

Feedback

7

None

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Loan Info

Project Type

Classic Loan

Disbursed amount

$764.00

Date disbursed

Nov 3, 2015

Repayment status

On Time

Projected term

12 months

Lenders

mendiros

Accra, Ghana

J

johans

Malmö, Sweden

C

CWS

Huntington beach, ca, United States

B

bgalon

London, United Kingdom

E

Errol

Bradenton, FL, United States

M

marvin24

Giessen, Germany

A

alfredo

Bremen, Germany

H

Hilke

Bremen, Germany

J

Jason

New Jersey, United States

G

Givemoreuseless

Waterloo, Canada

C

Christian

Saarbruecken, Germany

Archie

Rochester, United States

S

Sander

Borsbeek, Belgium

D

dbedell

Brooklyn, United States

J

johan

Oslo, Norway

P

Peter

München, Germany

Spyque

Saint James, United States

torelizer

Reggio Emilia, Italy

T

tatts2000

melbourne, Australia

Veronika

victoria, Canada

mbunifu

San Jose, United States

malcolm D

grants pass, United States

S

Spassmacher

46244 Bottrop, Germany

A

adwatson

Milan, MI, United States

BelleStarr

Albuquerque, United States

A

Anonymous

United States

J

Jmay2133

Fremont, United States

COOPITALIST

Toronto, Canada

G

GregT

THUNDER BAY, Canada

B

Bpryse

Long beach, United States

Tilius

Oslo, Norway

C

CanadianBiker

Peterborough, Canada

L

Leisha

Gold Coast, Australia

K

Koduck

Southampton, United Kingdom

Rocketdrive

Eugene, Oregon, United States

J

jozua

Delft, Netherlands

K

Kerkeslager

Richmond, United States

A

AlethiaLtd

Carlisle, United Kingdom

traciyoshiyama

Honolulu, United States

W

world

Kansas City, United States

Tjitser

The Hague, Netherlands

A

AJCortens

Boise, ID, United States

F

FHult

Stockholm, Sweden

H

Houdini314

Elwood, United States

ZlataRoy

Cheltenham, United Kingdom

F

FaaThailand

Bangkok, Thailand

R

rcmssr

Woodbury, United States

MichaelDean

San Jose, United States

T

Tallago3

Munich, Germany

A

Aloha

Cologne, Germany

R

Roman

Barcelona, Spain

Pere

Barcelona, Spain

E

eldicri

Favaro Veneto, Italy

yeahboi78

Alexandria,LA, United States

johnandmoliehi

Canton, New York, United States

Zidisha

Sterling, United States

K

kathy207

South Portland, United States

SteveW

Birmingham, United States

michellev

Melbourne, Australia

T

ToddK

Indianapolis, IN, USA, United States

M

mogensh

København V, Denmark

S

Steveandson

Arlington, United States

Kate4Good

Washington, United States

C

cjmenchaca

Austin, United States

P

Piccolo

London, United Kingdom

DaveinPerth

Perth, Australia

K

kingmark1

Calgary, Canada

A

ante1

trosa, Sweden

BJ

Brandon Joz

North Carolina, United States

Catherine68

Boyle, Ireland

T

theshots

Vancouver, Canada

N

ningli

Charlotte, NC, United States

Aggul

London, United Kingdom

W

woodleycw

Ottawa Ontario, Canada

S

SweAus

Adelaide, Australia

A

Angela

Heide, Germany

Jeff and Marcie

Portland, OR, United States

B

blahblah

Nuernberg, Germany

M

mrhanky1

melbourne, Australia

G

gregoryhk

San Francisco, United States

J

jjiffer

Seattle, United States

N

NancyG

Victoria, Canada

T

tlingf

San Francisco, United States

jmsquared

Seattle, United States

RockinRobin

Centennial CO, United States

C

chrisn

Egg, Switzerland

R

Rossman

Poland, United States

B

Becmo

Brisbane, Australia

C

chrita446

Nashville, United States

MichaelR

Los Angeles, United States

J

JayJay

Cleveland, United States

A

Alicee

Munich, Germany

D

danny

Karlsruhe, Germany

M

matts

New York, United States

B

briansedz

Canton, Ohio, United States

L

LiquidH

Elmhurst, United States

P

proby24

Singapore, Singapore

G

gabarone

Rochester, United States

D

Dplayer33

Sydney, Australia

A

Alsyf

Sydney, Australia

O

Orchidx4

Seeleys bay, Canada

phytoplankton

United States

T

tmsaddress

Orlando, Florida, United States

O

OneSummer

Muenster/Westphalia, Germany

AlexPalavas

Palavas les Flots, France

B

Becks

Dubai, United Arab Emirates

1

1979fan

Palo Alto, United States

M

moerye

Santa Barbara, CA, United States

K

kiranovak

Denver, United States

TheMoonDuster

Brisbane, Australia

L

Lenore

Munich, Germany

E

eagor

Wauwatosa, United States

nelson637

Greenbrae, California, United States

cattlebaron

Pierre, SD, United States

C

chrisherron

Chicago, United States

C

cyrilleberger

Gammalkil, Sweden

dajawein

Gladstone, Australia

S

stevetanner

Geneva, Switzerland

captainhappy

Gladstone, Australia

Elaine123

Philadelphia, United States

andreasol

Bielefeld, Germany

DLarson

Morris, United States

SeeMeeFi

Ontario, Canada

Moyeji

Australia

Z

Zippo

Berlin, Germany

D

Divergent

Bethesda, United States

Susansfund

Colorado Springs, United States

E

ebronken

Oslo, Norway

IA

Ismini and Jerry

Stamford, USA, United States

P

Pelle

Ragusa, Italy

A

aiban

Austin, United States

J

jzidi

Los Angeles, United States

D

danderson1953

Plainsboro, United States

A

Austrian

Graz, Austria

birtom

Ettlingen, Germany

Matthew

New York, NY, United States

AdvancingCompassion

San Diego, United States

H

Hello

Salisbury, United Kingdom

W

Woodyrocks

London, United Kingdom

southcentral

Zürich, Switzerland

L

loistf

Madrid, Spain

K

Katehar

Maple Valley, WA, United States

ads68

Melbourne, Australia

T

Travelbear

Asheville, United States

O

Oktober

North Kingstown, United States

B

BGRRisz

Arlington, United States

U

UmSaeed

Southfield, United States

E

edgreig

Brixton, United Kingdom

M

mwkelley2

Columbus, OH, United States

A

amnesiac

Adelaide, Australia

A

Aaron

Zurich, Switzerland

worldcitizen

Kutztown, Pa, United States

J

justincomish

Riverton, United States

E

eboleaga

Mexico City, Mexico

C

christina

Heber City, United States

V

vshafor

Carlsbad, United States

ohlandtmann

Moorestown, United States

J

jerryq

Redding, United States

U

UsefulDrivel

Fort Worth, United States

L

lilbsedz

Raleigh, United States

V

Valis

Singapore, Singapore

D

dannimw

Victoria BC, United Kingdom

C

chrono

Toronto, Canada

chadgibbs

Loveliest Village, United States

R

rebdhen

Louisville, United States

A

asmilligan17

Perryville, United States

davidt

San Francisco, United States

P

pastabox

New York, United States

D

d3witt

Cheyenne, United States

C

collins75

Hawthorn, Australia

T

tbogz

Singapore, Singapore

Richard100

Santa Ana, United States

P

prashant

SUNNYVALE, United States

S

solarkismet

Logan, United States

M

mrsfit

Surrey. BC, Canada

A

arwaandali

Ottawa, Canada

A

AFGriffith

Woodinville, United States

S

shrike718

West Chester, United States

A

acolomitchi

Eynesbury, Australia

A

amish

San Francisco, United States

M

maxep06

Fairfax, United States

A

Avalokiteshvara

Yau Yat Chuen, Hong Kong

C

CJAnderson

Sydney, Australia

H

HomesteadSchool

Glen Spey, United States

csatchwell

United Kingdom

U

UTLonghorn

Lincoln, United States

BF

Bob Fitzjohn

Fontvielle, Monaco, Yemen

colochef

Montevideo, Uruguay

I

ificouldfly

Sofia, Bulgaria

J

jasonandvachi

Renton, United States

J

jasontoheal

Geraldton, Australia

M

marcmesich

Kaohsiung, Taiwan

B

Britams

Amsterdam, Netherlands

claire.mcleland

Springfield, United States

N

Navigator

Alavus, Finland

numbat

Perth, Australia

M

Moonknight

Østre Gausdal, Norway

K

Krish

Dubai, United Arab Emirates

F

fredrikahl

Stockholm, Sweden

S

Sclodfelter

Los Angeles, United States

F

Fritzimax

Pacific City, United States

Nadja

Weissach, Germany

H

Harmony

Cleveland, United States

O

ommthree

Egg, Switzerland

kivadoris

Vancouver, Washington, United States

Erika

Calgary, Canada

DVM1417

Seaford, United States

B

bagheera

Vienna, Austria

paulclinton

malaga, Spain

A

AndrewC

London, United Kingdom

H

HobbyCollector

Beach City, United States

3

381inc

Beverly HIlls, United States

P

Paleomagick

Eldred, United States

P

Pavane

Kungsbacka, Sweden

ThorstenH

Bensheim, Germany

T

ThereIsNoGod

Singapore, Singapore

A

Anonymous

United Kingdom

S

SnifferTheBunny

Brighton, United Kingdom

dmirpuri

Bangkok, Thailand

G

Galbania

Toowoomba, Australia

ibc123

Seattle, United States

M

mcmathae

Santa Clara, United States

MrCane

Montevideo, Uruguay

M

magnaculpa

Silver Spring, United States

somuchjackson

Boston, United States

G

Goetterbote79

Neuhausen, Germany

M

mallika

Laguna Niguel, United States

O

OrientExpress

Tokyo, Japan

J

jumpfunky

Dortmund, Germany

C

Catch22

The Colony, United States

R

rosebo

Bend, United States

Parkmobile

Fort Bragg, United States

S

skohli

san francisco, United States

M

mzhope

Harrisburg, United States

H

happytrailsjpd

South Bend, United States

A

andy.gayton

San Francisco, United States

M

markus61

cologne, Germany

S

svt19

Toronto, Canada

M

mibrahim51

Mountain View, United States

K

ksiebrandt

Omaha, United States

C

Clben7

Cincinnati, United States

A

Armeij

Veendam, Netherlands

G

GreenMoney

Lahr, Germany

M

Mystery15

Winnipeg, Canada

F

frazier

rock springs, United States

mfrost3

Dakar, Senegal

A

akshu71

Ottawa, Canada

S

scottpz

branford, United States

A

AandCfromCanada

Spruce Grove, Canada

D

dj9812

United States

M

Morgan1301

United States

L

liseman

United States

T

TheNJBoys

United States

D

Dianatalk

Netherlands

B

bgordon

United States

M

martyb

United States

E

elhh82

Petaling Jaya, Malaysia

Z

zvrk2014

Brookline, MA, United States

R

robcarslake

London, United Kingdom

OP

Old People

Corona Del Mar, United States

M

Malibu

Westwood, United States

G

goloans

Palo Alto, United States

Matching Fund

Sterling, United States

T

tomcat14

Brussels, Belgium

K

Kramer91

Kamerik, Netherlands

T

thegreek1020

San Jose, United States

P

Peaches

United States

C

chrishol

United States

M

misaheat

United States

J

Jonas

Linköping, Sweden

A

AreEmOne

United States

A

adiipienaar

South Africa

K

kmsaa

United States

jonnyhj

Stockholm, Sweden

A

allie105

United States

AltruismUSA

Los Angeles, Ca, United States

K

Kber9156

North Parramatta, Australia

E

EKuras

United States

smastermind

Jerusalem, Israel

mepster

San Francisco, Ca, United States

VK

Vasily Kudrin

Moscow, Russia

chriseyre

Fremont, Ca, United States

C

cruzerio

Indonesia

R

RonEddy

United States

S

Sophia20450

United States

L

luckiestmonkey

United States

B

bscent

Hong Kong

AndrewNeu

Ho Chi Minh, Vietnam

T

timnj

United States

J

JonAlec

United States

H

HLCharityFund

United Kingdom

T

tehmle

United States

Grant Xavier Storer

Seattle, Wa, United States

I

idris

United States

S

sarahb

United States

K

kennychit

United States

S

SCHAC

Switzerland

S

satheajay

United States

B

Bennphoto

United Kingdom

G

Gfunkey

United States

C

cocolo

United States

M

maddierae93

United States

Vitus

Czech Republic

Y

Yanque

Madrid, Spain

S

Schwartz

United States

A

adamdreaming

United States

M

mcgeefamilyny

United States

Andrew267

Birmingham, United Kingdom

P

pnrjulius

United States

G

Gordbarb

United Kingdom

Kyle Hoback

Omaha, United States

alecors

Mexico, Mexico

R

Ruj-ura

Thailand

JP

James Parker

Sacramento, United States

Jansa

Oulu, Finland

TW

Tony Walters

United Kingdom

RJ

Ryan J Cotton

United States

Haim Si

Mexico, Mexico

Michelle

Sydney, Australia

Arne Bachmann

Hamburg, Germany

E

Erich

Zurich, Switzerland

S

Sebastian

Dortmund, Germany

Gab

Singapore

Dave Bogard

New York, United States

Torsten Schreiber

Frankfurt, Germany

AA

Adam Atlas

Montreal, QC, Canada, Canada

Jerome

Switzerland

Greg Howard

Reno, Nv, United States

JL

Jindou Lee

United States

S

Steve

United States

SMOICE

Berlin, Germany

Fabian Linzberger

Vienna, Austria

MW

Matt Willis

United States

V

Vanessa

Gold Coast, Australia

Thomas

Basel, Switzerland

DN

Don Nichols

United States

Nicholas Corbett

Toronto, Canada

Francoise Kuenzi

Neuchâtel, Switzerland

E

erica

antwerpen, Belgium

Max Lettenberger

Madison, WI, United States

Kevin

San Francisco, United States

JC

JD Conley

United States

M

Marc

Newcastle upon Tyne, United Kingdom

KD

Kent Don

United States

BS

Bruno Silva

United States

V

Vivek

Arlington, VA, United States

Sandi Kaucic

Stow, Ohio, United States

Maren Robison

Seattle, United States

Mouhamed

United States

MM

Marshall M

United States

Paul

Seattle, United States

N

Nina

United States

ME

Manaal Eisa

Washington DC, United States

F

Florian

Munich, Germany

L

Lachlan

Australia

AH

Adam Hill

United States

Caroline Cress

Seattle, WA, United States

BB

Ben Bellows

United States

JF

Jason Foti

United States

M

Mart

United Kingdom

GS

Gary Sinard

Franklin, TN, United States

Ask Ruth a question about this project, share news and photos of your own, or send a simple note of thanks or inspiration.

Please log in to comment.

  • Ruth    Jun 22, 2020

    RISK MONEY REFUND
    Ruth Musela Jun 22
    Hi Zidisha Team,

    I am writing to complain the way you are handling my situation as though l have defaulted with you money where as the people you are involving you are not being sincere to let them know that you have my Risk Money to the tune KShs.75,680/ which you can always deduct and refund me the balance of KShs..54,076 which leaves a sum of KShs.21,604/= instead of communicating to me you are tarnishing my name I am releasing to all of the people you have conducted with the communication and all the information about the loans and the amount of money you have been deducting but l still pay the full amount with the understanding that when l decide to stop taking loans from you I am supposed to get the deducted money back but you have decided to make me look like a bad person who has defaulted you have not even replied my message of 17th June 2020 please straight forward with everyone its so unfortunate the way your office is handling my situation I am very disappointed.

    Think about this situation so that the same should not happen to any other person in the Zidisha
    Family because this is uncalled for.

    Regards,
    Ruth Musela
    Reply
    Ruth Musela Jun 17
    This message came late and since l responded to it l have not heard from your side instead l get just reminders please can someone let me what l am supposed to do since l am financially down l have to close until God knows when this is a globally pandemic and l believe for the time being we hold the solution in our hands. Thanks

    Regards,
    Ruth Musela
    Ruth Musela Jun 17
    Hi Julia,
    Apparently on my side I do not have the said communication.
    I would love you to reconsider, mighty be some people have not been affected just like l have been am sorry l cannot promise to pay any money at the moment.

    I can't understand why my risk money can't stands in the gap for such a scenario. I believe you understand how we who can't work online and our potential clients have closed indefinitely, what do you want me to do?

    Remember this is a global calamity which l believe you people should understand we have been hit really hard. I am sorry to say that l would not lie to you that l can go to the adjustment of loan section to adjust the amount of money to pay while l have closed the business until am back on my feet and l hoped the balance as l quoted would be able to atleast assist me in one way or another.

    I am awaiting your favourable response l have been a long time borrower on this platform and l have never faulted in my payment am l asking too much from since this is not my making.

    Regards,
    Mrs. Ruth Musela
    RISK MONEY REFUND
    admin May 29
    Dear Ruth,

    I'm so sorry for the delay in responding. There was a technical error which caused us to not receive your message until now. The error has now been fixed.

    I'm afraid we do not have any way to use risk funds to offset loan repayments due. If you cannot afford to pay the full amount due but can pay just one unit of currency per week, I do encourage you to use our Adjust Installment option. We offer it in order to help anyone who is in financial difficulties and have relaxed restrictions around its use in response to the Covid-19 situation. You can adjust your installments to pay as little as you want (down to 1 unit of currency per week) and can use it as many times as needed until the situation improves.

    Using this option will reset your on-time repayment status so that you will no longer receive collection messages and you can maintain your on-time repayment rate, and there is no fee or charge for it.

    Please let me know if you have any questions or difficulties.

    Kind regards,

    Julia Kurnia
    Zidisha team
    Ruth Musela May 20
    Hi Lenders,

    I very grateful the way you assisted me in building my business l will always be grateful. Due to the covid-19 I am having a big challenge and sometimes l delay in paying and was requesting as l have calculated my Risk Fund since l started borrowing from you is KShs.75,680/= and the balance of the loan is Kshs.54,076 l would like to request that you deduct from my Risk Fund which will leave me with KShs.21,604/= you refund me. I would be very grateful.

    Thanking you in advance for you kind consideration.

    Regards,
    Mrs. Ruth Victorine Musela


    My Lenders I sorry to bring this to your notice because nobody wants to handle the problem in question instead they have send a email to the people who know as l am a defaulter and some of the emails they have not responded back because we have been applying for loans and you are not given in full and they told us we will have the deducted money back when you stop borrowing. Due the pandemic l have put in plain they deduct my balance loan from the risk fund and refund me the balance but they have turned a deaf year and decided otherwise that's why l have decided to write to you and forward my correspondence to you.

    Regards,
    Ruth Musela

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  • Ruth    Apr 24, 2020

    Hi,

    I am sorry I am only able to pay the above mentioned money ate the moment thanks.

    Regards,
    Ruth Musela

    Log in to reply • Share
  • Ruth    Mar 16, 2020

    Hallo,

    At the moment this is what l am to pay weekly bear with me. Thanks.

    Regards,
    Ruth Musela

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  • Ruth    Feb 7, 2020

    I am unable to pay more l have some financial challenges since schools just opened and have so much on my hands please bear with me thanks

    Regards,
    Ruth Musela

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  • Ruth    Dec 18, 2019

    Hi,

    l am only able to pay that amount of money at the moment bear with me thanking you in advance.

    Regards,
    Ruth Musela

    Log in to reply • Share
  • Ruth    Nov 11, 2019

    Halo,

    I am only able to pay the above amount comfortably since I have engaged on a project in the village for my family which l have complete by the mid next year at the same time l would like to continue to pay my loan. Thanks once again and bless you.

    Log in to reply • Share
  • Ruth    Sep 30, 2019

    Hi,

    l believe that is what l can comfortably pay without fail every month to clear my loan.

    Thanks,
    Ruth Musela

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  • Ruth    Sep 30, 2019

    Thanks for funding me It really boosted my stock. I restocked every all the items I need more and boosted my m-pesa its too early to determine my earning but l am sure come this time l will make extra more which l will be able to take my family for christmas holiday this year. My holiday we have to go where there hotels on the beach it out of town . Thanks once more for your kind help.

    Regards,
    Ruth Musela

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  • Ruth    Sep 8, 2019

    Hi my Lenders,

    I am very grateful l have received a total of Kshs. 71,226/- This will really boost my business am very thankful for lending me this money I will always owe it to you may God bless you mightly.

    Regards,
    Ruth Musela

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  • Ruth    Aug 31, 2019

    Hi Lenders,

    Thank you very much for your continued assistance l am great-uncle this will take me along way and am sure by the end of the year am sure I will take atleast my family for a nice holiday l owe all this to you people may God bless you big.

    Regards,
    Ruth Musela

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  • Ruth    Aug 30, 2019

    Hi Lenders,
    Thanks for your continued support you have always accorded to me l will forever be grateful and l am humbled with the sweet comments you made about me you are the best may you all be mightly blessed thanks once more.
    Regards,
    Ruth Musela

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  • Lucy Burns    Aug 29, 2019

    All the best!

    Log in to reply • Share
  • Ruth    Aug 26, 2019

    Dear Lenders,
    I am really grateful as the loan that you gave to me has made it possible for me to experience an increase in my profit margins and also an increase to my clientele. I will always be grateful to you for the help rendered for growth in my business. Thank you so much lenders.

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  • Ruth    Aug 19, 2019

    Hi,

    I am still financially down since I have school fees and upkeep money I have to pay until when the child I am educating finishes school please bear with me thanks.

    Regards,
    Ruth Musela

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  • Ruth    Jul 2, 2019

    Please bear with me l am still educating the poor student who I have decided to do it until they finish school. Thanks and God bless.

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  • Ruth    May 25, 2019

    That is the amount l am able to get comfortably weekly thanks

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  • Ruth    Apr 17, 2019

    I have informed you I have to take care of the orphan until he clears school please understand thanks. Thanks.

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  • Gideon    Mar 24, 2019

    Hello,thanks for being"on time"on your payments and letting lenders know. Be blessed.

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  • Ruth    Mar 4, 2019

    I stated that I am educating an orphan and I can not afford at the moment to raise the KShs.420/= since I have so many other shopping I have to do for him whenever he is to go to school and to keep in school full time please bear with me.

    Thanking you in advance.

    Regards,
    Ruth Musela

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  • Ruth    Jan 28, 2019

    As requested before I am still educating this orphan and I am only able to raise the above for the repayment of my loan comfortably please bear with me. Thanks.

    Regards,
    Ruth Musela

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