Veronica

Kiptangwanyi, Kenya

Funds disbursed

$0 to go

100% funded of $1,367 goal

0

days left

Entrepreneur

Name

Veronica

Member since

November 2012

On-time repayments

45 installments  •  2%

About Me

i
am married with three children two boys and one girl.Two boys are
in our local secondary school and the girl is in a primary school I
was born in the year 1972 at Ngong district near Nairobi and my
parents shifted from ngong to nyahururu in early 1977.
Nyahururu is in central province in Nyandarua District. I
started my primary education in the year 1980 and i was
enrolled in std one .I completed my primary education in the
year 1988 where i went to Nyahururu Secondary school in the
year 1989 and dropped out due to lack of school fees and
got married by mr peter in the year 1985.I am living at
kiptangwanyi near trading centre.I own a shop where i buy and
sell cereals during this time of harvest and them sell during
the time of demand,I am a catechist at kiptangwanyi catholic
church. in fact i am also one of the senior women leaders in
this area.I have been renting houses and then sell then to those
who are in demand but now am stationed at my premise here at
this trading center.in fact if you are at kiptangwanyi you just
ask mama Judy and almost everyone knows mama Judy and so i am
so popular.

My Business

i
own a cereal shop where i supply maize,beans and some other
types of food varieties.Most o[f the kiptangwanyi residents
collect the cereals from my from my shop I buy those cereals
during the harvesting time and sell them during the time when the
demand is higher.I need more stock to serve more customers,I am
planning to open another cereal shop at Morop trading
center.I also own a truck that transport the cereals from
farmers to my store.I am also supplying a cereal to the
nearby supermarkets afterwards the supermarket packed the cereal
into kilos and then they sell to the local people.I am paying
a tax of 5,000 per year.I am expecting to get a loan from
zidisha since it is the first peer to peer micro-finance in
this country.I am planning to expand my business to the
neighbouring centers.I am having several workers who help me
together with my manager.

Loan Proposal

dear lenders i have decided to take my second loan because this period is the time when my business is doing so good during harvest season.i am very much thank full because my first loan helped me so much,in that case i was able to make my fully repayments.with this money i will be able to load more bags of maize to transport to the eastern part of our country.the demands of dry food in our eastern part of our country is in a very high demand during this time so i want to take this chance and transport as many bags of dry food during this time with a lorry to the area.i am sure i will do good since my business is doing very well.i am very thankfull to all my lenders who has contributed with my fullfilment of my bids.so lenders i would like to take this chance to request you to contribute in fulfilling my bids as quick as possible so that i can be able to save this time and also distribute the food at the required time.than

Feedback

3

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Loan Info

Project Type

Classic Loan

Disbursed amount

$1,367.00

Date disbursed

Jan 17, 2013

Repayment status

Late

Projected term

102 months

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  • Veronica    Jul 1, 2014

    sorry , my boys joined colleges, but currently at home for lack of school fees. am working day and night to look for the fees.i hope they will get back to school soon.

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  • Veronica    Jul 1, 2014

    hi lenders, hope you are okey. only to update you that, i have been quit in a very hard time since i took the loan. my both parents passed away early this year, my business in come is so low, only for maintaining my family and sometimes not enough,so in this case, i want to assure my lenders that am going to repay the whole loan once i recover in my business. i hope things to turn positive soon on my side if GOD wishes. thanks nice time.

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  • Veronica    Nov 20, 2013

    dear my lenders, am so grateful to the lenders who lend me the money.i also thank zidisha very much since no other bank like this in the whole world.my two young boys are now in college, this is due to your humanitarian,i thank you so much.since my mum in law also has been suffering diabetic, i have been in hard time so much. i hope to start my loan repayment on February 2014 without failing. please accept my request since had been in hard time with my husband. i will make sure i have paid on or before february. thanks so much

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  • Veronica    Nov 1, 2013

    my lenders i hope you are fine.thanks so much for your patiece.as i had promised, i hope am now going to start my loan repayment as i had promised in november since you have been so patiece. my two boys are now in colleges.am so greatful for your cooparation. i hope from now onwards, am going to make my loan repayments without any problem as from november.thanks so much my lenders.

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  • Veronica    Sep 11, 2013

    dear all my lenders am so sorry for being late in my second loan repayments. infact i have no money for sure currently. i have two boys who were to join either universities or local colleges. this has made me to hassle so much looking for my sons school fees.am so happy that they have now joined the institutions. but to let you know for sure i might start repaying my loan on november after recovering in my business. thanks so much all my lenders for being patience during my hard time

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  • Veronica    Aug 6, 2013

    dear lenders i hope you are fine. i just wanted to update you on my promise to start my repayments in august. i want to thank you so much for your patience. i hope to repay the dues in this month, but in little by little until i catch up my dues. my lenders its harvesting time and am prepared to start traveling cereals to the eastern part of our country. because of shortage of monies in our country, one must work hard to achieve the goals. i hope to start my repayments in the cause of this months until i catch up my arrears

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  • Veronica    Jul 23, 2013

    dear my lenders i hope you are al right. am doing well in my business, an am in a good and ready to start my repayment in august. my kids ares still schooling without any problem. am very grateful to zidisha micro-finance and its managements for being very different from other micro finance. this is very wonderful.may be if i could have taken a loan from other local banks, auctioneers could have visited me. but i thank zidisha for its patience and humanitarian manner which enables most of kenyans to change their lives

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    • pentatonicscale    Jul 23, 2013

      I'm happy to hear that you are doing well and your children are in school. Hope your parents will be well. Thanks for letting us know how you are doing.

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  • Veronica    Jul 9, 2013

    hi lenders, i hope you are all fine . am also fine. i had promised to make my repayments last months, but its not my wish to default at least for two months. i live a bit far from my parents, and now my mum was so ill due to athrities and joints injuries. after succiding in paying the school fees for my two brave boys and one little girl who is in primary school, i used alot of money in paying hospital bill for my mum who was hospitalized in Kenyatta national hospital.my dad is so old that he relies on my help. am now planning to start my repayments exactly on august after resettling from all this hard time financially. am so thankful for all of you my lenders for your patient during my hard time. i hope things to turn normal so that i can be able to repay my loan.thanks a lot because i did not remove the plates of food for my kids out of table to repay the loan. you have listen to my cry and i appreciate that.GOD bless you all

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  • Veronica    Jun 5, 2013

    thanks so much all my lenders. am so happy to be in zidisha,am doing well and my family is very okey. i would like to apologise for being late in my repayments for some days. dear lenders am going to repay my loan next week, this is because i have two good and brave boys who are to sit for their final exams this year. i was to pay alot of money for their exams.i have paid, am only remaining to make my zidisha repayments to my lenders. so bear with me that am going to repay my dues.thanks so much for your patience.

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  • Veronica    Apr 30, 2013

    dear lenders,thank you very much for your cooperation.the reason that have made me change my repayment date is that as we are in this season every body in this area is interested in cultivation of land and as a result my business goes down.so as the business has gone down i will afford to be paying the amount that i have indicated above without any disturbance so it will be my pleasure that i repay my loan in good time so that i can apply another loan that help me in home improvement.its my prayer that we are going to proceed with zidisha very well as my business catches up to its normal position.

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  • Veronica    Apr 1, 2013

    dear all my lenders. am so thankful to all of you for the far you have helped me move forward together with my family. am so greatful.the money i received from zidisha, boosted my busines so much though the last election in our country affected most of our businesis this was because most of the people didnt travel so much. i hope to recover in my business soon thanks all my lenders.

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  • Veronica    Apr 1, 2013

    dear lenders i have decided to reschedule my loan because i had a very hard time since my firstborn was to join a college this year, but due to high amount of school fees i was unable to pay the fees. i decided to ask him to repeat in class form four. the business which i was transporting cereals to the eastern part of our country, has turned up to be so unfruitful. this is due to the election which was taking place in our country. i was to reschedule this loan, but because of the weekend and holidays in our country, i didnt make since i used to travel a far distance to use computer.i will make sure i have paid all past due when things turned better to me. thanks so much my lenders.

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  • Veronica    Mar 11, 2013

    hellow all my lenders, im very greatful to all my lenders. am doing well in my business i have not been transporting my goods to the eastern part of our country for the past few weeks. this has been in the result of the election which was there for some few days back. now elections are over and we have a new president in our republic. i hope to continue working hard untill i will be able to catch the rope.thanks so much all my lenders and have a very nice moments thanks so much.

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    • pentatonicscale    Mar 11, 2013

      Hi Veronica, thank you for your greeting and the update. I am very busy doing musical programs in March. Today in Japan we remember the big earthquake and tsunami that hit our country two years ago on Mar. 11. I hope you all in Kenya continue to be safe.

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  • Veronica    Jan 12, 2013

    dear lenders, my business is doing so good this month,this is the reason why i have decided to make all my repayments ealiear . i need much more money this period since my commodities are in a very high demand.i need a lot of cash to stock my business the dry food im transporting to the eastern part of our country needs alot of money. im planing to make my second loan application, and i request you to fund my bids as quick as possible so that i can save the time and work during this harvesting period thanks alot my lenders

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  • Veronica    Jan 7, 2013

    dear all my lenders. im so greatful for the far zidisha has make me move im so greatful. my business is doing very well this season its my high time now coz i have started transporting dry food to our neighbours at eastern parts of our country i have also opened another food branch in our nearby trading centres . im praning to make my repayments as fast as possible because i need alot of cash to support my business.while on gracing period im willing to make my repayments am very ready to move forward withmy lenders

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  • Veronica    Dec 28, 2012

    thank very much all lenders who participated in raising my bids.am very much thankful im hoping all the best in my business.im also very ready to move forward with zidisha lenders.thanks very much

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