Tuition for degree in engineering

Fatimata    Jun 13, 2020

He said he can not pay theoney for now because he had run into bankruptcy

Fatimata    Apr 28, 2020

He told me to tell lenders that he can't afford to pay anything now untill things turn well for him at the business center

Fatimata    Mar 26, 2020

He told me his business was not active since he started another state of education and she was not well also. Thank you

Settor    Dec 31, 2019

I tried to post what you told in the forum. The funny expect is that, they did not post the message.
Thanks Lauria for all your effort amd the expalanations.
But for me the president Julia is a scam!!!. I'm out of zidisha Bye.

Settor    Dec 30, 2019

A friend has told me about zidiaha long time ago but but l did not give him my ears because l though it was a fraud but now that l started school and l decided to seek for an aid but this platform is now worse in terms of support.
Me a prefer Zidisha shut down completely because they are not of aid anymore with this their charges. I now see the whole zidisha using the trustworthy borrowers money to incure that of the defaulter which will make the truathworthy borrower also becomes a defaulter.
Suggestions; divide borrowers into two:
One with credit risk refundable or no credit risk at all and the other with huge credit risk which is non refundable and see which will cause more defaulter !!!

Settor    Dec 30, 2019

Madam Laurie, l understand all what you are saying perfectly and l read everthing though long enought.

1.One reason why l post message here is that when messages are posted on the forum, we don't get an answers quickly as possible and even sometimes no answer at all.

2. Zidish also do not allow us to reduce schudule because each payment schedule comes with it own credit risk when applying the loan. Zidisha tretheneds to give loans with the same amount when tried to adjust payments when you get to know things are not going on well and no one want it in that way.

3.Madam l will rather prefer bank who charge interest rate of 15% and ask me to pay it within 6-12 months to microfinace who do not charge interest rate but total high fee of 30% and ask me to pay in two weeks. Despite what has happened in the past, charging fee of 25% is very huge.

4. The most annoying part is that you call it "credit risk fee". This means that zidisha know that l may not pay so that they take that amount use to compasate lenders. Why is it that when l complete payments zidisha do not refund the "credit risk fee" to the me the borrower ? It can never be called credit risk fee when that amount is not refundable but rather "interest rate"
So you see that is when l posted the message here you come to respond to me but one on the forum, no responds yet but l hope they have seen it.

No company will survive with this your high charges whom l called interest rate. And will cause more defaulters than ever.

Settor    Dec 24, 2019

Please cant you spare us with the rate. Too huge l beg you please.

Settor    Dec 16, 2019

I receive the loan

Settor    Dec 12, 2019

Thanks to lenders.

Settor    Dec 10, 2019

Great lenders doing marvelous work. Good one there.

Settor    Dec 4, 2019

I earn some amount and l will like to pay.

Settor    Dec 3, 2019

Thank you for the loan.

Settor    Dec 3, 2019

I have receive the amount of Ghc 258.00 on my wallet. I will settle lenders at due time. Thanks for the care.

Settor    Dec 3, 2019

Wonders gradually l think l can add sonthing up for school fees.

Settor    Dec 2, 2019

School is on and l am greatful for lenders support.

Settor    Dec 1, 2019

I recieved an amount of Ghc 68.00 as support. I apprecaite lenders.

Settor    Nov 30, 2019

I thanks lenders for their support inmy education.

Settor    Nov 20, 2019

Thanks to lenders. I receive the loan.

Settor    Nov 20, 2019

I thanks my lenders for the loan. I am happy. I receive ghc 9.00 .