E- money to load my xbank - incharge money agent platform

Robert Kpamma

Kasoa, Ghana

100% repaid



Robert Kpamma

Member since

July 2015

On-time repayments

66 installments  •  44%

About Me

My Childhood and Education.
During my childhood, I was discovered to be quiet but strong and intelligent child. My friends used to called me” Kofi the strong man tack him and see”. They were afraid to tack me because I was strong.
I grew up cultivating the habit of going to Church everyday as a Catholic for Daily Mass. As an Altar Boy or a Mass Servant I used to be at Church at 6:00 AM to prepare the Altar for Daily Mass (Church Service) at 6:30 AM. I couldn’t have a better day without going for Daily Mass.
As a student, I used to get myself ready for Daily Mass after which I go to school without going home. I play a good leadership role both in School and in Church. In school (Junior High), though I was not given leadership position, yet I played the role as a Senior Student. I used to go to school early to take roll call so that later comes will be penalized.
One challenge I had when in Junior High, was when my father demand that we should go to farmer and help during school hours. Even though, I was hard working as a child but to go to farmer on the expense of my school hours was serious challenge to me. However, for my hard work and better performance in school, my Headmaster help me out of this by talking to father to always allow me to benefit from my school hours rather than to the father.
This made me never to forget my Headmaster. It was all because of my conduct and good behavior in school and safe me. This helps me to come out from school with a better grade. I would have perform poorly and drop out of school because of this challenge.
I stared my own business as a photographer after I had some experience working with a number of sole proprietors. It has being my dream to have my own business, but how to start was a big challenge to me.
Fortunately, one day I got a small camera which belongs to my brothers. I said to myself I can make business out of this, and luckily it was during Easter, thus a season for photographers to make more business. So it was the right time for me. Even though I had negative thoughts about how friends will under minds me taking up this business yet I discovered it to be lucrative business.
And there I found myself in photographic.

My Business

My Business Story.
I started my business in 2004 as a photographer. I got to discovered myself from my Entrepreneurship lectures as one among others who put the ideas of entrepreneurship into action. Why because I was taught by my Lecture that entrepreneurs start their own business basically with an idea and not necessarily with money.
As a photographer, I started my business with no capital. I just got a small camera from my brother was determining to make business out of it. Even though, I offered Diploma in Business Studies (Accounting Option) in Kumasi Polytechnic. After my completion of the course my mind was to search for job but not to do my own business because I was taught that to do any business one need to have a start -up capital. And I didn’t have any start-up capital, so having interest in doing my own business was a big challenge.
However, in the process of searching for job and working with a number of sole proprietors and private companies the idea of starting my own business was ringing loud into my hears. And this idea came into fruitful when I got that small camera from my brother. It was Easter period and as a Church member I believe it was the right time to start my photographic business.
I had a lot of challenges as to how to start since I never did photographic as a course. And they were about five experience photographers already in my church not to talk about those in that community. I also had in mind that negative taught as to how people will as Polytechnic graduate becoming a photographer. But having done my costs and benefits analyses on the business there was nothing that could hold me from going in.
I kick into the business and within one year I became I professional photographer and the first among the five experience photographers to introduce digital photos and with instant printer.
In 2007, my uncle conceives me to join the banking industry to work as a Cashier but that couldn’t stop me from the photo business. I was making more money and having more freedom in my business than working in the bank. I had to resign from the bank in 2012, because I wanted my freedom so badly than working in the bank for prestige. Moreover, this allow me to concentrate on my business and build it for the future.
I choose this business not only because it's lucrative but I love doing it and allow me to meet new people and get connected with them for life. I also give the opportunity to travel to other places.
The typical costs of printing 500 pictures currently is equal to GHS375 and all things being equal the typical revenue on this will give my business GHS 1250.
I use the profit for growing my business, home improvement, and investing into other new business. I have invested some of my profit into Agency Banking which is about to kick off.

I am applying for this loan to help me top up the money I have from my business to buy a new HP photo printer. The cost of the printer is currently $280. I will be paying back this loan in a monthly installment of GHS52.8 out of my business.

Loan Proposal

As already mention in my first loan my desire to start a new business with Incharge Global powered by Ecobank, am happy I have gone through with the training and have being setup with xBank Terminal as an Incharge Money Agent. As an agent I am giving a platform to open m-savings account for customers. The loan I am applying for will be used to purchase e-value or e-money to enables me transact business with new and existing customers. Transactions I perform as an incharge money agent includes;
1. Opening m-savings account for customers
2. Selling airtime (All Network)
3. Bills Payment; Dstv, Gotv, ECG, Water, ect
4. Money Transfer (All Network) and others.
This will involve more capital but rising a loan of $200 from Zidisha will be of good financial assistants.
M-savings simply refers to Mobile savings where customers have their money save on their mobile wallet in the form of daily, weekly, and monthly savings. This is to encourage more people into the idea of savings. M-savings allows the customer to save and have access to his or her money in 24hr/7days. Like any other electronic payment system, m-savings is safe, secure, reliable and convenient.
This idea is to save a lot of traders from risk of losing their money with micro finances and other financial institutions who run away with their money. It will also help traders to save their income for future plans.
I am expecting to increase my commission as an agent by 40-50% with help of this loan.






Loan Info

Project Type

Classic Loan

Disbursed amount


Date disbursed

Nov 12, 2015

Repayment status

On Time

Projected term

3 months

Cost to entrepreneur

Service fee: $4.68




Southampton, United Kingdom


Conroe, TX, United States



Den Haag, Netherlands



Karlsruhe, Germany

carlos vendrell

Barcelona, Spain, Philippines



Mölndal, Sweden


San Francisco, United States



UK, United Kingdom



Melbourne, Australia


Oslo, Norway


London, United Kingdom



Redmond, United States



Helsinki, Finland



Toronto, Canada


Naarden, Netherlands



Yarmouth, Canada



Arlington, United States



Wellington, New Zealand



Morro Bay, United States



Austin, United States



Brussels, Belgium



Philadelphia, United States



brooklyn, United States



Nuernberg, Germany


Port Richey, United States



Bottrop, Germany



Louisville, KY, United States



Stockholm, Sweden


Uppsala, Sweden


Vancouver, Canada



berlin, Germany


Lomma, Sweden



Bavaria, Germany


help each other

Glasgow, United Kingdom


London, United Kingdom


Bern, Switzerland



Rogaland, Norway


Erie, United States


Caledon, Canada



Seattle, Wa, United States


Sao Paulo, Brazil



St-Lucien, Canada



MIDWEST, United States


Malta, Malta



Vestmannaeyjar, Iceland


Trondheim, Norway



Berlin, Germany



Sydney, Australia



Houston, United States


Vicopisano, Italy


Settimo Milanese MI, Italy



Campbell, United States



Bremen, Germany


Melbourne, Australia



Mantova, Italy



Beijing, China


Winnipeg, Canada



George Town, Cayman Islands



Dallas, Texas, United States


Cairo, Egypt



Corroios, Portugal


Amstelveen, Netherlands



Geneve, Switzerland


Jordi Cohen

New York, NY, United States



Uppsala, Sweden



Tampin, Malaysia



Bergen, Norway


Bob Fitzjohn

Fontvielle, Monaco, Yemen



Leeds, United Kingdom



Zurich, Switzerland



athenry, Ireland



Palo Alto, CA, United States



Eindhoven, Netherlands



Brisbane, Australia


Clinton, United States



Alphen aan den Rijn, Netherlands


Berkeley, CA, United States



United States



Hong Kong, Hong Kong



San Francisco, United States

Matching Fund

Sterling, United States



United States



Fairfax, United States


Chichester, United Kingdom



United Kingdom




Paul Buchheit

Mountain View, United States



Trondheim, Norway

Ask Robert a question about this loan project, share news and photos of your own, or send a simple note of thanks or inspiration.

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  • Robert Kpamma    Jun 10, 2021

    I have other financial obligations to fulfil each month.

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  • Robert Kpamma    Dec 12, 2016

    Hello lenders, sorry you have not heard from me for some time now. Something happen and I really wanted to resolve it without your notice but for my financial challenges, I thought it wise to share with you. Two months ago thefts broke into my shop and took away my laptop, printer, cameras and others. This have affected my financial position since I have to organise myself and buy them as soon as possible. I have partly resolved this and now in business again. I will be paying my outstanding any moment.
    Thank you.

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  • Robert Kpamma    Aug 31, 2016

    No more worry. I have finally received my loan amount of $461. Ready to go for my A3 Epson Printer.
    Thank you my dear Lenders and Zisdisha Team.
    Keep up the good work.

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  • Robert Kpamma    Aug 30, 2016

    Hello Zidisha Team,
    I am so worried that my loan is still pending for disbursement after two weeks.
    Please any update.i

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  • Robert Kpamma    Aug 23, 2016

    Still waiting for the disbursement of my loan. Though it have not been easy waiting. Today is exactly a week.

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  • Robert Kpamma    Aug 16, 2016

    Hello my dearLenders,
    Thank you for making me the most happiest person in the world today by fully funding my loan. I am really happy.
    This loan as I earlier mentioned is to help me purchase A3 Epson printer which cost Ghc2500. However, I have deposited Ghc1000 with my supplier believing that I will get the remaining from you.
    Going for this A3 printer will help me meet the demand of my customers.
    This printer will help increase my profit between 60%-80%.
    Thank you once again my dear Lenders.
    God richly bless you and your families for the good work you are doing.
    Robert Kpamma.

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  • Robert Kpamma    Aug 12, 2016

    Hello my dear Leaders,
    I am still looking forward for your contribution in funding my loan. I have gone ahead to deposit Ghc1,000 to my suppliers for the printer since there are only few in stock.
    I would be much grateful to receive your contribution to enables me to pay the outstanding for the printer before it run out of stock.
    Thank you.

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  • Robert Kpamma    Aug 4, 2016

    Dear Lenders,
    I am very much greatfull for your patience with the repayment of my previous loan. This was actually due to my travelling to the village two times because of family issues which really slow down my business activities.
    However, I thank God that in the month of July, I had a contract with my photos business which increases my profits over 100% and this actually help me to repay my loan before the actual date. And I have reinvested about 60% into my Ecobank Msavings with Incharge Global powered by Ecobank.
    My Incharge Money Agent business which was slow have also pick up recently. On the 18th August, 2016 we shall have a business presentation to a population of 500 or more to create awareness of our mobile banking services and others.
    I am very glad that my business activities this is doing well and indicating to be better in next few months. This is actually calling me for re applying for an other new loan.

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  • Robert Kpamma    Jun 23, 2016

    Hello my dear lenders, I am very sorry you have not heard from me for a while. I have travel home for my uncle's funeral and have just returned to Accra. This have actually affected the repayment of my loan on time.
    However, I will do my best to pay my outstanding as soon as possible since I really want to continue doing business with you.
    Thanks so much for your patience and understanding.

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  • Robert Kpamma    Jun 1, 2016

    Hello Zidisha Support Team, I did a repayment of Ghc100 since Saturday, but it is still not showing in my account.
    Please kindly check it.

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    • Roy    Jun 1, 2016

      Procedures are that it takes up to three working days to process payments...And because it we have so few volunteers doing the work, we are often running late...
      May I suggest you give it a week, if after that it is still not showing correctly, contact Zidisha at [email protected]

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  • Robert Kpamma    May 5, 2016

    Hello my dear leaders,
    I am writing to inform you that my delay in repaying my recent loan is due to my debtors who are still owing me some money. And the passed weeks business have not being good. However, I still believe with the help of God, I will be able to pay my loan as soon as .
    Thanks for your co-operation.

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  • Robert Kpamma    Apr 12, 2016

    Hello my dear Leaders,
    I am very sorry for the delay in repaying my third loan. This is because incharge Global Limited have delayed in paying my commission as an Agent. This is due to some upgrading that they are doing at their website.
    I also travelled home to visit my parents and couldn't go for any program with my photography business for three weeks now.
    However, I was able to send GHC120 today and to pay the outstanding as soon as possible.
    Once again, I apologies for the delay in repayment.


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  • Robert Kpamma    Mar 10, 2016

    Hi my dear Leaders, sorry I have been out of coverage area. I am writing to confirm that I have received my third loan. This is used to pay my office rent. I am very grateful and will do my possible best to repay it as scheduled. Thank you.

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  • Robert Kpamma    Feb 26, 2016

    This loan is to be used for paying my office rent. It will help me maintain my existing clients since I will not be relocated. It will also help me to have more new contract as people will have more confident to do business with Photo Cash Multimedia. This will increase my profit. Having more work to do also means Photo Cash Multimedia shall need additional staff to work with, hence, creating employment for others. A big thanks to my lenders and the Zidisha team for good work. Less than a day my loan was funded. I am very grateful. Robert

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  • Robert Kpamma    Feb 22, 2016

    So far so good, I have finished repaying my second loan on the 19th Feb,2016. However, this have still not reflected on my Zidisha account. Yet this message was sent to me confirming my repayment of GHC118 being received.

    [email protected]

    Feb 21 at 8:46 PM


    Dear Robert Kpamma,

    Thank you for your loan repayment of 118 GHS. This amount has been credited to your Zidisha account balance.

    Don't forget to keep your lenders informed of your progress! Please log in to your Zidisha website account and click "Post a Comment" in the dashboard. Add photos if possible! Regular communication with lenders will help establish good relations such that that they will be happy to lend to you again in the future.

    Best wishes,

    The Zidisha Team

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  • Robert Kpamma    Feb 22, 2016

    So far so good, I have finished repaying my second loan and still enjoying doing business and not thinking of working under someone with the help of Zidisha .

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  • Robert Kpamma    Feb 8, 2016

    Zidisha is transforming the life of people in Africa. Long live Zidisha, long live donates.

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  • Robert Kpamma    Feb 8, 2016

    Good News!! Good News!! Good News!!
    Doing business with inCharge Global Financial Services as an Agent have being so good so far. And the good news is that as an agent inCharge is given me 150% increase on my commission when I open mSavings account for a customer. That is to say am now making GHS2.50 on each account I open instead of GHS 1.00 that I used to make. Apart from this, I also make commission on any deposit and withdrawals.

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  • Robert Kpamma    Nov 28, 2015

    I am happy I have finally received my loan but it didn't come on time. Thank you for the work you are doing. And thanks to my leaders, God richly bless you.

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  • Robert Kpamma    Nov 17, 2015

    Hello Zidisha Team,
    My loan of $200.04 which was disbursed on 12/11/2015 still not received into my MTN Mobile Money Account. I only received a confirmation from you by email. Please kindly check your records and give me an update.

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