Derety

Nairobi-fedha, Kenya

5% repaid

Entrepreneur

Name

Derety

Member since

July 2013

On-time repayments

153 installments  •  8%

About Me

I AM 21yrs old.staying with my parents at Fedha near pipeline Nairobi.i just finished my O levels in the year 2011 and there after i didn't proceed to campus due to school fees though a good grades that could enable me.currently i am running a shop at Fedha estate where we reside up-to evening when my mother assists me as i go to classes at pipeline a college called Talons institute as i pursue CPA course currently at CPA 11.
My mother and i are the only ones as my mother separated when i was young.when i finished school my mother made savings and we started up the shop in the ground floor floor that we leave.
we buy goods as sugar,soap etc and sell it at retail price and we serve the entire building and the neighbors too.

My Business

As earlier noted,when i finished school my mother made savings and we started up the shop in the ground floor floor that we leave.
we buy goods as sugar,soap,cooking oil,t/leaves,salt etc and sell it at retail price and we serve the entire building and the neighbors too.
its profitable as we get our stock at whole sellers at a place called KIKOMBAA which has really assisted us as the business is our main source of income.
There is also high demand as we stock cheap high quality products.The risk are not much as our stocks move only that most of our customers take goods on credit and therefore held stock.
I have registered my CPA lessons and its the business which educates me and we rely everything on it.
If i will be given the loan i will use it to increase our stock for our growing business.

Loan Proposal

Dear Zidisha lenders,i come to you once more for the third time.The previous loans has really assisted greatly as a part from the shop my mother and i was running,we have already acquired an Mpesa agent.
The loan will greatly boost our shop as well as the new Mpesa.
We will be able to buy a few stocks for the shop and increase our new Mpesa capital to meet our interest of our customers.
I will truly appreciate your continued support from time to time.God bless you so much.

Feedback

2

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Loan Info

Project Type

Classic Loan

Disbursed amount

$445.00

Date disbursed

Jan 16, 2014

Repayment status

Late

Projected term

35 months

Lenders

A

anonymus

Moon, United States

MakeSense

-, St. Kitts and Nevis

H

HildeK

Rogaland, Norway

A

aiban

Austin, United States

joaoferraz

RINCHOA, Portugal

Giucca

Indjija, Yugoslavia

TuveTheDog

Helsinki, Finland

dlpringle

Denver, United States

JG

Jake Gibson and Beverly Picardo

San Francisco, United States

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  • Derety    May 20, 2014

    dear lendes,
    how are you today?i guess you have been doing well just like me.i just wanted to let you know the business is going on very well.
    Thanks to the loan you funded me.
    i have already sent my payments hopefully Zidisha will credit on time.
    Enjoy your weekend and all take care... dear lendes,
    how are you today?i guess you have been doing well just like me.i just wanted to let you know the business is going on very well.
    Thanks to the loan you funded me.
    i have already sent my payments hopefully Zidisha will credit on time.
    Enjoy your weekend and all take care...

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  • Ian    May 19, 2014

    I've not been able to reach Derety on her phone. Her line was off and the community leader informed me he'll update once he's able to get in touch with her to see why she's not up to par with payments.

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  • Derety    Mar 30, 2014

    hi lenders,i have just made reshedule as it has taken much time for my loan to be credit.i believ these can cannot hinder anything as i have already made payment.
    Thank you.

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  • Derety    Feb 21, 2014

    hi lenders,i ope you are doing great.we request that we pay ks,500 each week for the neat 2 and have months as we keep our working on tract then the after we increase as previously done. we have also sent our payments though not yet reflected.Thank you!

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  • Derety    Feb 12, 2014

    hi lenders i am letting you know that the loan has done great so far and i would like say thank you so much.from the income right from the shop and mpesa,i am now started to the programer of going to classes during the afternoon sessions for 3hrs.
    Thanks to Zidisha i can now proceed to classes.
    -As you can see the shop is fully stocked
    -The Mpesa now does maximum transactions
    -GOD bless Zidisha,GOD bless bless Zidisha lenders.
    -These is just wonderful!!
    Mwaili`s Family

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    • TuveTheDog    Feb 12, 2014

      Thanks for the update and happy to hear that everything is going well :)

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  • Derety    Feb 12, 2014

    hi lenders i am letting you know that the loan has done great so far and i would like say thank you so much.from the income right from the shop and mpesa,i am now started to the programer of going to classes during the afternoon sessions for 3hrs.
    Thanks to Zidisha i can now proceed to classes.
    -As you can see the shop is fully stocked
    -The Mpesa now does maximum transactions
    -GOD bless Zidisha,GOD bless bless Zidisha lenders.
    -These is just wonderful!!
    Mwaili`s Family

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  • Derety    Feb 7, 2014

    dear lendes,
    how are you today?i guess you have been doing well just like me.i just wanted to let you know the business is going on very well.
    Thanks to the loan you funded me.
    i have already sent my payments hopefully Zidisha will credit on time.
    Enjoy your weekend and all take care...

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  • Derety    Jan 31, 2014

    hi nice people,i guess your doing the best as of me too!just wanted to let you know that my mother and i have acquired the cooperative bank agency till and already has been painted.i will take photos of how it will look like.
    we also invested the whole amounts in the agency and slightly reduce the repayments by ks,400.hopefully we will repay the full amounts in time as our commissions will now be upgraded by the new agency.
    Once more,Thank you.
    We are doing well because of you!

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  • Derety    Jan 16, 2014

    Thank you so much for your support towards my loan funding as was also wondering and i ope they will resolve it soon.

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  • CZC    Jan 15, 2014

    I agree with TuveTheDog. This new system is not working. It is very limiting in the amounts you can bid and it has glitches. There is also another problem. Whenever I have a Zidisha credit, let's say of $10, but I want to bid $25, Paypal charges me a fee of 3.5% over the full $25 instead of over just $15. I, therefore, have been making split bids - first I use up my credit and then I make a second bid to reach my preferred amount of $25 loans. Please look into that. I feel like we are getting ripped off.

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  • TuveTheDog    Jan 15, 2014

    Something wrong with Zidisha because loans appear at amount of 0$. Hope they can fix this quickly and i can borrow you more than that :)

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  • joaoferraz    Jan 15, 2014

    Hello Derety,

    I was wondering what is your study about?
    What is CPA?

    Best
    João

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    • CZC    Jan 15, 2014

      Joao,

      If CPA means the same in Kenya as in the US, it stands for Certified Public Accountant.

      Um abraco da sua colega brasileira,
      Cris

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      • joaoferraz    Jan 15, 2014

        Obrigado pale informação Cris.
        Um grande e forte abraço para si também.
        João

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    • Derety    Jan 16, 2014

      Thank you João for your question,Cris is actually right.CPA means Certified Public Accountant.In Kenya those who passed very well in their form four will start directly to CPA,and those who had lower grades will start first by attending ATC 1 and ATC 2,which means Artificial Technician Certificate=Those who qualify at these level are able to perform such duties as cashiers,tellers and performing single book entries.Unlike CPA who can perform Final accounts,reconciliations etc

      I ope i answered your question correctly João.
      Derety.

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  • Greg1    Oct 10, 2013

    Hi Derety,

    I'm happy to join with Rogier and fund the last few $s of the loan. Once this loan is repaid your credit limit on Zidisha should increase to $200 so you will then be able to borrow more to expand your business and I'm sure we will both be happy to help with that when the time comes.

    Best
    Greg

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    • Derety    Oct 10, 2013

      hi Greg1,
      Thank you so much Greg1 i was just so happy to log the second time just to realize you and RogierEpping have funded for me all the loan.
      i will be informing you on how the business will be going on as now i also understand the system well.
      God bless you abundantly !

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  • RogierEpping    Oct 10, 2013

    Hi Derety Esimily,

    You have excellent repaiment capabilities! Apperently a much lower risk funding you instead of other loans. I'm happy to fund you again , but this time with lower rates, to support you even more.

    If you repay this loan in the same way, I will fund your next loan at 1%.

    Good luck!

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    • Derety    Oct 10, 2013

      Hi RogierEpping,
      Wau ! you really have made my day. first to lend me again and to trust me too.my mother and i are assisting each other and especially now that i am in holiday before resuming to school in January i will have really improved the business.
      Thank you so much!

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  • Greg1    Oct 10, 2013

    Hi Derety,

    I'm very happy to support your business and I'm sure it will fund quickly and be successful. I wish you good luck in your business and studies.

    Greg

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  • RogierEpping    Jul 22, 2013

    All the best with the future of your business!

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    • Derety    Oct 9, 2013

      Thank you RogierEpping, i am just shocked i didn't know how to operate the system well but i am now well off and my business is going on well.

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