Duvet and matching curtain set

Michael    Aug 18, 2016

Hello Zidisha team. Kindly receive my sincere apologies for the delay in making payments. I have gone through the most challenging times in the last few months - personal issues. I beg to be forgiven. But all that is water under the bridge now. I'll clear my loan within the shortest time possible to enable other applicants to enjoy the awesome Zidisha facilities.

Fred    Oct 13, 2015

Hello lenders! Kabuthia has promised to start paying his loan this week. He is late because he was sick. Thank you

Michael    Oct 12, 2015

Due to illness, I have been incapacitated for 4 weeks while seeking medication & on forced medical bed rest. From this week I'll endeavour to reduce my arrears when back to work.

Michael    Aug 21, 2015

Hi
I'm really sorry for not being able to fully pay my loan right now as I'm yet to make any sales. But my samples are ready & clients really like them. I'll return to my schedule very soon. Thank you so much Zidisha.

• Roy    Oct 8, 2015

  Michael, If you have payment problems, you should reschedule.
  Best wishes.

  Log in to reply • Share

Michael    Aug 7, 2015

To my lenders,
Two days ago, I received sh 18,412 as my third loan.
With this amount I will add some money I had kept as savings and buy three types of materials to make new duvet & curtain set samples that is, oriental, African and western types. This should assist me in creating a new sensation in town and bring in new clients. I will definitely post the finished product for my lenders to see and appreciate my creativity (and even give me orders). I believe in giving back to society and will train some youth from my locality on the same.
Kindly receive my heartfelt gratitude for the support you have given me and the trust and faith you have bestowed upon me. I will not disappoint.
Thanks once again and be abundantly blessed.

Douglas St Quintin    Aug 4, 2015

Hi Michael,

Great news that you received the funds. When you finish your designs, please make photos and post them here. I am sure we would all like to see you designs and let us know how much you sell them for!

Douglas

• Michael    Aug 5, 2015

  Hi Douglas,
  I most surely will take photos and post them here. Thanks again for the support.

  Log in to reply • Share

Michael    Aug 4, 2015

To my lenders,
Kindly recieve my gratitude for your extension of generosity. I will buy 3 types of materials ie oriental, african & western types and make superb samples. This should help raise my business' portfolio & create a wider clientele base.

Michael    Aug 3, 2015

When I first heard of zidisha loans from a friend, I was skeptical about it & did an online search. That was the begining of an awesome relationship between Zidisha & myself. I cleared the first loan very well & on time. During the term of my second loan, all my inventory & equipment was stolen making repayments very difficult for me. I still maintained 100% repayment record through reduction in weekly repayments. Zidisha was extremely helpful & now I have successfully completed the 2nd loan & applied for a 3rd loan. I'd wish that I get full funding before the process expires & continue building my curtains & duvet set ptoduction & sales. Ultimately, I'd love to move from borrower to lender at Zidisha & help grow other budding entreprenuers.

Patrick    Aug 2, 2015

Dear Lenders,Kindly visit my profile and hep me before my project expires.I have maintained 100% repayments.Thank you.See you on my profile

Michael    Jul 27, 2015

My first & second loans really assisted me in creating a clientelle base which keeps the business growing. After suffering a terrible loss, I was able to pick the business up from loyal clients' who would pay me in advance for their orders. I now intend to double my effort & regain the presence I had earlier. I'm optimistic that by year end, I'll have moved to a bigger & more spacious outlet.

Michael    Jul 27, 2015

My second loan increased my inventory by over 35%. My clientele base grew by over 15% & even though my business suffered a loss, I have been able to revamp & now I have orders that I can't service. This is why I'm sacrifising my savings to clear the 2nd loan & get the 3rd & continually work towards growing the business.

Michael    Jul 10, 2015

I thank Zidisha for supporting me when business suffered great losses. I'm working hard to rebuild my curtains business & clear my second loan. I want to borrow the third loan to continue growing my stocks. Thanks alot Zidisha, may you continue enriching lives.

Michael    Jun 23, 2015

Very low business turnover currently .

Michael    May 11, 2015

My business suffered a great loss & made me slow down on repayments. I have made sure that I maintain 100% repayments so as to move to next level. Business has now picked up & several orders are coming through. I'm hopeful of a quick recovery & thanks to Zidisha I'll make it.

Michael    May 11, 2015

I'd like to repay the loan faster & move to the next level.

Michael    May 2, 2015

I'm completely unable to make the scheduled repayments.

Michael    Mar 7, 2015

I recently lost all my inventory in a break in at my shop, including machinery. I'll reduce my repayments to allow me recovery from the theft. As soon as I can, I shall reschedule my repayments again.
The loan has been instrumental in helping me realise a dream of combining duvet and curtain sets. Its a new thimg here at home & the craze is massive. I intend to continue using Zidisha's loan facility to grow my dreams towards creating a mega business. I'm trully grateful to Zidisha for their support this far.

Michael    Feb 1, 2015

There was a significant increase in item enquiries & sales went up about 20%. Its the begining of the year therefore business is quite low. The loan I had taken was used to purchase part of the material needed to make sample sets of duvets & curtain sets. I succeeded in making a superb sample which I've been using to market my idea thanks to Zidisha loan.
Towards mid year, business will pick up & I target to increase my inventory by at least 40%. This will cater for walk-in clients who want to buy without necessarily waiting to order. I also intend to create a business portfolio that will enhance my speciality in matching duvet covers with curtains. I will embark on online advertising as a means of targeting the youth who are social media savvy. My plan is to have a double digit growth by the end of this year. With Zidisha's loans I know and plan to succeed in business.

Michael    Jan 3, 2015

Due to an unexpected delay in receiving payments, I will be unable to make payment of my initial full amount of 950 but will make due as soon as I get paid for inventory that I have already supplied to my client. I really have enjoyed the services Zidisha has offered me including reminding me on timely payments. It makes it very easy to plan for loan repayments. This facility of adjusting loan repayments is also very convenient as it encourages integrity and and business acumen.

Michael    Dec 20, 2014

I would like to clear the loan faster in order to get more facilities with Zidisha. The first loan I was offered assisted me in making samples that eventually opened up my business and now I have orders that need supplying in the next two to three months. If I can sort out the first loan in less time, I will be able to acquire a bigger amount and move towards growing my business and probably move towards becoming a lender in Zidisha.