Goats for the Christmas festivals

Joseph Gatiba

Kimende,kiambu,kenya, Kenya

56% repaid



Joseph Gatiba

Member since

February 2014

On-time repayments

329 installments  •  21%

About Me

I am aged 28 years old and married with one child, i have worked with two communication companys as a sales person namely yu and airtel kenya dealing with their products , i done this for two years and since i had a passion in relating with people and traveling, i decided to start a business that i would be doing direct sales /marketing and with the knowledge i had accuared when in the two companys i decided deal with mobile phone accesories / assorted electricals and electronics, i had saved twenty thousand shilling and i decided to use this as capital although the business is good i have been having the problem of goods since i didnt have enough capital and i believe if i can get enough money my business can get to another level.

My Business

I have a business where i am dealing with mobile phone accessories like chargers memory cards ,batteries, housings, screen protectors , lines,plus assorted electricals which i supplies to retailers who own accessories shops in various towns and by doing this i save them the time and money they can use when coming to Nairobi to shop for the same goods. It has been a good business because they even have my number so in case they need something they just order and i organise myself and i never let them down. I have one employee but as the business grows i hope to add more people and that way i will also create employment currently i have about 100 retailers who rely on me to supply them and I believe many more can be found if i had a financial support. .Thanks a lot Zidisha team i believe with your support I can achieve my dreams.

Loan Proposal

Dear lenders first and foremost i want to say thank you very much for your continued support to me and many more borrowers around the world, you have been a blessing to me and my family,
I have a business idea that i believe will work very well during this festival, with the loan i will get from you i will buy 20 goats @approximately 40$ each plus 5$ each for transport and i will resell them at my home area at approximately 65$ each i will get them from the local farmers and i have an advantage since a good friend of mine has a lorry that we will use for transport and he is charging me well ,by this i will make approximately 400$ within this month. I believe this business is viable since almost every home slaughters a goat during christmas and there is a shortage ,with the profits i will get from the sale i will use 250$ to upgrade a poultry business that i started recently at my local home in nyeri by adding more chicks,and use 150$ to learn a driving course since i have been having that idea for a long time. Since the goats business is just for a short term, i will get back the total cash within one month and i will use it to upgrade my current mobile phone accessories business by adding more stock of simcards and replacement cards,this way i will be able to buy in bulk mostly when they are cheap since they have been moving very well recently.
Looking forward to your support
I promise to repay in time .





Loan Info

Project Type

Classic Loan

Disbursed amount


Date disbursed

Dec 3, 2014

Repayment status


Projected term

70 months

Cost to entrepreneur

Lender interest: $1,117.00 at 7.73% annual rate over 70 months = $499.09

Service fee: $59.20




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Jake Gibson and Beverly Picardo

San Francisco, United States

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  • Joseph Gatiba    Jan 6, 2020

    I will be paying this amount since I want to be on date and also clear the loan soonest

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  • Joseph Gatiba    Dec 31, 2015

    you have helped my business grow and i would like to show my gratitude by repaying as soon as possible.

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  • Joseph Gatiba    Nov 2, 2015

    My businesses is picking slowly by slowly and I am looking forward to clearing the full loan soon

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  • Joseph Gatiba    Sep 28, 2015

    Hello lenders i am very sorry for the delayed payments, this has been caused to that my business has been very down but i am hoping that soon i will be able to make the payments on time.

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  • Joseph Gatiba    Aug 27, 2015

    Hi lenders soon i will increase my weekly instalments, please bear with me for now.

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  • Joseph Gatiba    Aug 9, 2015

    Hi lenders, I would request to decrease my weekly instalment for some time ,this is because I recently started a new project/ business which drained all my savings and that way I find it impossible to continue with my current instalment. I believe my new electronics/ electrical business will be working well in the next two months and by then I will be able to repay the loan in a better way.thanks for understanding

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  • Joseph Gatiba    Jun 10, 2015

    Hi lenders, I am happy to let you know that my business is doing good and I very much appreciate your support even though during April and may it was slightly affected by the high rainfall in my area I can say that it is doing well ,I have been so busy and that way I haven't been able to enroll for the driving course though I am looking forward to do so soon.
    thanks so much.

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  • Jacinta Mwicigi    May 29, 2015

    hello, how do I accept the already funded loan, can't see where to click in order to accept it.Thanks

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    • Joseph Gatiba    May 29, 2015

      I am happy to see you accepted the loan ,your cash will be disbursed to you soon

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  • Onesmus Kithoma    May 11, 2015

    all the best in your business

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  • Joseph Gatiba    Mar 10, 2015

    Hello dear lenders , thankyou for your continued support to my business

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  • Joseph Gatiba    Jan 31, 2015

    Hello zidisha, this is to let you know that my business is doing good even though it is always a hard month for businesses

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  • Joseph Gatiba    Jan 7, 2015

    Hi zidisha,I think there is a problem with the system since i have tried to change my profile picture but after saving it is bringing the blackish thing but i have contacted the zidisha staff concerning this issue sorry for the inconviniences

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  • Joseph Gatiba    Jan 7, 2015

    Hello dear lenders ,wishing all of you a happy blessed new year.My december holiday was very fine and after doing the goats business i managed to get 270$ this was due to that there were some other business people who had ventured into this business and this made the price to come down .I got my capital back and i have reinvested it by buying more lines to supply. With the profits i got i will be enrolling for a driving course this january and the rest i have ordered 100 chicks to add to my business. Thanks very much for your kindness.

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  • Loice Momanyi    Dec 9, 2014

    Hi I recently got my loan but I want to reschedule and pay it with my second installment next week on Wednesday.I don't know how to reschedule

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  • Ndungu David    Dec 4, 2014

    Congrats fellow VM on getting your loan fully funded within such a short time.

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  • Joseph Gatiba    Dec 3, 2014

    Dear lenders , i am very happy for your generosity, you have been true friends since i joined this platform , you have never let me down and this has made changed my life a lot ,thank you very much for your trust in me and my business. It was such amazing getting funded within 48 hours,i will not let you down and i will always repay in time.

    I will make sure to keep you updated with my proceedings in my project, once again thank you very much.

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  • Moses Mabiale Wabwire    Dec 1, 2014

    All the best

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  • Joseph Gatiba    Nov 30, 2014

    I am very much happy dear lenders ,it is through your support I have been able to reach this far,keep up the spirit.

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  • Erenthydal    Nov 29, 2014

    Congrats Joseph! Happy to hear you're doing well

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  • howard    Nov 29, 2014

    Thank you, Joseph, for your excellent and early repayments.

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