Rachael

Kiptangwanyi, Kenya

100% repaid

Entrepreneur

Name

Rachael

Member since

September 2012

On-time repayments

87 installments  •  9%

About Me

I live in Kiptangwanyi shopping center which is approximately 43km from Nakuru town. Nakuru town is our nearest major town within this area. I am married with two beautiful daughters. I live in plot number 432 at the shopping center where I carry out my business with my family. I was born in nandi hills and took my education upto form four on those areas, we later came to nakuru county after post election violence. My business entails a retail shop and a grocery shop at the shopping center. The loan i took from zidisha has real improved my business, very soon i would also wish to be a lender.

My Business

My business entails retail shop and a grocery shop at the shopping center. mostly i have stocked general commodities that are favourable to the local community.I also sell arsorted fruits and vegatables at the moment i have started stocking grains like maize and beans. The goods that I sell range from mere foodstuffs, home ware items as well as cereals and shop commodities. The main challenges that this business encounters are drought and fluctuating prices of fuel which adversely affects the whole of energy industry. i also encounter the challenge of getting good stock in good time, with my third loan am planning to deal with transportation problem by buying a motor bike/car.

Loan Proposal

Dear Lenders,
I would like to use the loan that I will get from Zidisha organization to d the following.
First, I would like to add more stock i my business because this time is very good as we are approaching the festive season and this is usually a very busy time and the business is quite good and profitable. Secondly, I would like to use the loan to enlarge the room where I operate my grocery shop. I have been having a temporary shade outside my retail shop but now with the loan I am planning to expand it and improve it for the betterment of my business.

Feedback

18

None

None



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Loan Info

Project Type

Classic Loan

Disbursed amount

$500.00

Date disbursed

Oct 10, 2012

Repayment status

On Time

Projected term

3 months

Lenders

A

Anninymouse

Southampton, United Kingdom

EricDWalters

Rochester, Mn, Usa, United States

KYLE LARSON

Little Falls, United States

investor

Candiac, Canada

Kitty

Hailsham, United Kingdom

C

chkuo

Taipei, Taiwan

S

SeeBiscuit

Reston, United States

G

grizu

dortmund, Germany

B

Bpryse

Long beach, United States

G

geoffk

Brisbane, Australia

F

Fiodal

Helsinki, Finland

rickytherhino

Decatur, United States

S

SMRosen

Hershey, United States

G

greenthomas

Tübingen, Germany

E

evanglend

Arlington, United States

T

ToddK

Indianapolis, IN, USA, United States

MakeSense

-, St. Kitts and Nevis

C

cmubiggguy

Chapin, SC, United States

T

tmsaddress

Orlando, Florida, United States

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  • jjonas    Oct 30, 2014

    Dear Rachael Ngoiri,
    please dont leave me in vain!
    What happend in the meantime?
    Why no more repayment??
    Thanks

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  • Rachael    Jan 1, 2014

    I would like to take this chance to wish zidisha and my lenders happy new year. Secondly, i want to thank zidisha for this far i have proceeded with my business. It has been a tough year but have been trying to keep it to standard. I have been able to do other things like paying fees for my children. I had a business prospect of early loan repayment but i was disappointed by my customers. Am planning to reschedule my loan for a short duration so as i reorganize myself. Am planning to reschedule it next month to a higher repayment plan.
    I thank zidisha.God bless.

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  • Rachael    Oct 19, 2013

    Am humbled by your strong support to micro entrepreneurs. I take this grate opportunity to thank all my lenders, may the Almighty God bless you and your families, may you receive all the increases so as you may be able to lend to others. My business is doing very well and am sure one day we shall cerebrate together.THANK YOU.

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  • Rachael    Aug 30, 2013

    hallo zidisha,
    am yet to recieve my full amount. thanks.

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    • roberta.zenere    Sep 4, 2013

      Dear Rachael,

      We have disbursed the remaining amount of your loan just now. I hope you have received the funds. Since last Wednesday, we were unable to make loan disbursements as normal due to a technical problem with our accounts. This is why we took so long to complete the disbursement. Apologies for any inconvenience this may have caused to you.

      Please, don't hesitate to contact us for any clarifications you may need.

      Thanks for your patience and all the best with your business.

      Roberta,
      Zidisha Volunteer

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  • Rachael    Aug 30, 2013

    hallo zidisha,
    am yet to recieve my full amount. thanks.

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  • Rachael    Jul 26, 2013

    first i would like to thank zidisha management and all the lenders. zidisha is coming up well and i cant be ashamed to state that it has changed peoples lives. since i was given my first and second loan my business has really improved. my business is doing very well and since much am counting on good profit. after realising that my business is doing well i have decided to repay the remaining balance in the shortest time possible. God willing am planning to take my third loan and expand my business and employ people. God bless zidisha God bless my business.

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  • Rachael    Jul 16, 2013

    I dont want to be seen as proffesional lier for not have kept my promise of repaying earlier, sometimes we are kept high by our customers who promise to pay your debt in good times but sometimes they fail you. hope am forgiven for that. i wish to repay my loan early. and by Gods grace we shall make it. thanks

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  • Rachael    Jun 28, 2013

    thank you zidisha, am so greatful because you have uplifted my business. first i would like to apologise for my silence and not paying my loan in appropriate time, i delayed my this month remittance because am planning to repay my loan within the next two months, God willing am planning to repay the normal monthly amount within the coming 3days and the balance next months. thank you

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  • Rachael    Mar 14, 2013

    Dear my lenders and zidisha team ,i have requested to charge my date of paying the loan by a month because my sister husband passed away after the general election at our country due to long illiness ,this made me to close my shop for one week ,after the burial yesterday, i found myself without money ,but hoping next month it will be okey,thanks in-advance ,from mrs rachael ngoiri

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  • Rachael    Dec 29, 2012

    Dear lenders, My new year resolution is to have an year of progress. kindly continue lendiing to make dreams of many to come true, contribute to my second loan.
    Thanks

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  • Rachael    Dec 28, 2012

    First i would like to thank all the people who contributed towards my loan may the almighty God bless you abundantly. Secondly, from the loan i acquired I ventured it into my bussiness and i made good profit, am intending to borrow my second loan and i know God will bless you as you make that step of contributing to my loan. God bless you.

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  • Rachael    Dec 28, 2012

    Am a happy person with my family since Zidisha micro finance is changing lives. I was granted a loan on october amounting to 41,870 and ventured into my bussiness. I made good returns from my bussiness. i found it wise to repay mt loan amount within one month so that i can apply for my second loan to expand my business more in preparation for the new year. since i made alot of profit during this chrismas festivities i have no reservation in paying my loan early. i would like to encourage my friends and all borrowers to make good use of the money borrowed and invest it wisely, i have seen many people rising from nowhere to some where. Am planning to borrow and invest my loans upto the fourth time and am sure after that i will not be borrowing but lending to others. It is a big bravo to zidisha.

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