Expansion of existing business loan

Venesa    Sep 23, 2018

I STARTED MY BUSINESSES WAY BACK IN 1993 WHEN I WENT TO KILFI FROM TAITA AFTER MY SECONDARY SCHOOL EDUCATION AND SOME SERVICE TO THE LOCAL CHURCH IN TAITA. IN KILFI I STARTED WITH SMALL MERCHANDISE OF SELLING LADIES UNDERWEARS WITH THE INITIAL CAPITAL COMING FROM SOME CASUAL WORKS THAT I WAS DOING AT THE NEARBY GOVERNMENT INSTITUTION. LATER MY HUSBAND SUPPORTED ME WITH SOME CASH WHERE I EXPANDED TO OTHER CLOTHES AND DOMESTIC UTENSILS. THE BUSINESS WENT ON WELL AND EXPANDED TO CLOTHES BOTH OLD AND NEW LATER TO FOOD STUFF UNTIL I LEFT KILIFI FOR TAITA WHEN MY HUSBAND WAS TRANSFERRED. I CONTINUED WITH THE BUSINESS IN TAITA AND DIVERSIFED TO SELLING VEGETABLES AND FRUITS FROM TAITA TO MOMBASA AND KILIFI. I EXPANDED USING SMALL LOANS FROM GROUPS AND MERRY GO ROUNDS. MY BUSINESSES WENT DOWN WHEN I HAD A SICK CHILD WHO ,LATER PASSED ON. BUT LATER PICKED THE PIECES AGAIN AND STARTED THE BUYING OF HANDBAGS, SOME CLOTHES FROM TAVETA NAD SELLING IN TAITA. I HAVE NOW A GENERAL MERCHANDISE SHOP THAT IS IN MY PROFILE WHERE I HAVE EMPLOYED 3 PEOPLE BECAUSE IT HAS A HOTEL WING SIDE BY SIDE. I ALSO HAVE STARTED AN M PESA OUTLET THAT I INTEND TO STRENGTHEN. MY DREAM IS TO EXPAND TO BE AN IMPORTER OF CLOTHES, HANDBAGS AND OTHER PRODUCTS AND BECOME A LARGE WHOLE SALER FOR DIFFERENT MERCHANDISE AND ALSO TRAVEL ABROAD TO PURCHASE DIFFERENT PRODUCTS. LATER HAVE TRUCKS FOR SELLING THE PRODUCTS AND HAVE A BIG COMPANY UNDER VENESA THAT WILL EMPLOY MANY PEOPLE AND HAVE MANY BRANCHES. I HAD TAKEN A ZIDISHA LOAN THAT I REPAID SUCCESSFULLY AND TOOK A SECOND ONE THAT I JUST FINISHED PAYING. I NOW HAVE A GENERAL SHOP AT A STRATEGIC SITE IN WUNDANYI TOWN. I LOO FORWARD TO GETTING ENOUGH MONEY TO DEPOSIT WITH SAFARICOM SO AS TO INCREASE MY DIVIDENDS. I CHOSE THIS GENERAL MERCHANDISE SHOP BECAUSE THE SITE IS STRATEGIC AT THE BUS STAGE HENCE EXPECT MANY CUSTOMERS FOR PRODUCTS AND M PESA.

COSTS THAT GO INTO THE BUSINESS ARE PURCHASE OF MATERIALS, PAYMENT OF EMPLOYEES, LICENCES, RENT, ETC. THESE COSTS RUN TO ABOUT KSH 40,000 PER MONTH. THE REVENUE PER MONTH FOR NOW IS AROUND KSH 50,000 WHICH I WANT TO IMPROVE TO 70,000. THE PROFITS I PLOUGH BACK TO BUSINESS, HOME IMPROVEMENT AND ASSIST MY HUSBAND IN CHILDREN EDUCATION.

FOR THE NEW LOAN I WANT TO EXPAND MY GENERAL SHOP BUSINESS IN WUNDANYI TOWN THAT HAS AN M PESA OUTLET TOO. I INTEND TO STOCK IT FULLY AND INCREASE MY M PESA FLOAT FOR MORE DIVIDENDS.
VENESA

Venesa    Aug 18, 2018

DEAR LENDERS THE LAST LOAN OF kSH 17,000 THOUGH I GOT EFFECTIVELY 11,000 WAS VERY HELPFUL HELPED ME BOOST MY GENERAL SHOP STOCK AND NOW WANT TO TAKE MORE TO HELP ME INCREASE STOCK AND INCREASE MY MPESA
FLOAT. THANK YOU.

VENESA

Venesa    Aug 17, 2018

DEAR LENDERS,
THE LAST LOAN WAS VERY HELPFUL IN IMPROVING MY STOCK AT THE GENERAL SHOP AND STARTING MY M PESA BUSINESS WITHIN THE SHOP. I WOULD LIKE TO GET AN EVEN HIGHER AMOUNT TO BOOST THE TWP BUSINESSES. THANK YOU.

VENESA

alexalexalex    Jul 2, 2018

Good luck Venesa!

Venesa    Jun 23, 2018

THE LOAN WAS REALLY HELPFUL AS HELPED ME EXPAND MY BUSINESS FROM A SMALL SHOP TO A GENERAL SHOP AND ALSO STARTED A SMALL FOOD SHOP SELLING TAKE AWAY FOODS. AM LOOKING FORWARD TO STARTING AN M PESA UNIT IN THE SHOP ONCE I RAISE 70,000 FLOAT. THANK YOU MY LENDERS. VENESA

Judith    Mar 28, 2018

Dear lenders, After talking to Venessa, she promised to pay before the end of next week. Thanks for your patience.

Judith    Feb 22, 2018

Dear lenders, have talked to Venessa and has promised to start repaying immediately. Thanks for your patience and be blessed.

Judith    Jan 19, 2018

Dear lenders - happy new year. I called Venessa and has promised to clear her outstanding loan before the end of this month. Thanks for your patience.

Judith    Nov 28, 2017

Dear lenders, I believe you are all doing fine. I called Venessa yesterday and requested her to kindly finish paying the remaining loan. She promised to do so this coming week withou fail. Will follow up on her to make sure she keeps her promise. Be blessed.

Peris    Sep 19, 2017

Dear Lenders, i talked to Venesa. she says at the moment her financial situation is not stable for her to repay because she is caught up in paying school fees. she however promised to fully repay as soon as her financial situation improves.

Judith    Jul 18, 2017

Dear lenders, I have talked to Venessa today and I am sure she will keep up her promise of repaying in time. Be blessed.

Peris    Jun 6, 2017

I talked to Venesa. She says to have been sorting out some few financial issues and that she will soon resume her repayments.

Venesa    Mar 24, 2017

IT HELPED ME SUSTAIN MY BUSINESS AND ACQUIRE A PLOT IN WUNDANYI TOWN AND DEVELOP IT BY BUILDING AND FINISHING A TWO ROOMED BUSINESS UNIT THAT AM SOON STOCKING AS MY SECOND SHOP.

Judith    Nov 30, 2015

Hi lenders, I am glad Venessa has paid 100% of the loan. She had promised and I am really happy she kept her word. When somebody trusts you, its good to keep the trust. (Asanteni sana kwa uvumilivu wenu) - thats in swahili in english it means - Thanks a lot for your patience and understanding. God bless you

Judith    Nov 27, 2015

Dear lenders, one week ago, I talked to Venessa and I am glad she cleared all her loan repayments which had stayed for 37 days. I have also today the 27th Nov. 2015 talked to her about clearing her loan, and she has agreed she will pay the money by tomorrow. Thank you for your understanding. God bless you

Samuel    Sep 16, 2015

I phoned Vanesa today at 3.55pm. She is unavailable on phone. Her community leader has not met her in a while but will pass the word to her.

Thanks.

Samuel    Jul 2, 2015

I phoned Vanesa today at 12.14pm but my calls to her 2 numbers went unanswered. However, I reached her inviter who promised to remind Vanesa that her loan is due. Apparently, Vanesa had talked to Judith about clearing the arrears by this week.

Thanks.

Venesa    May 15, 2015

HI DEAR KIND LENDERS,
I ACKNOWLEDGE RECEIPT OF KSH 17,842 WITH THANKS. I PROMISE TO INVEST IT WISELY AS PROMISED AND WILL SOON GIVE YOU THE EXACT EXPENDITURE. BY THE WAY I ALSO HAVE A SMALL LOCAL POULTRY BUSINESS WHICH IS EXPANDING SO ANYONE INTERESTED IN LOCAL CHICKEN BECAUSE THEY ARE GOOD FOR OUR HEALTH PLEASE CONTACT ME.


THANKS AGAIN VERY MUCH FOR THE LOAN.

VENESA

Venesa    May 13, 2015

HI ZIDISHA LENDERS,
THANK YOU VERY MUCH FOR THE LOAN WHICH IS THE SECOND LOAN. I WISH TO USE THE LOAN TO EXPAND MY CEREALS BUSINESS BY ADDING MORE MERCHANDISE AND DIVERSIFY ALSO. IT WILL HELP ME TO HAVE A GREATER PURCHASING POWER AND HOPE TO USE THE PROFITS TON INCREASE STOCK AND HELP MY COLLEAGUES AS I PARTICIPATE IN MERRY GO ROUNDS. MY FAMILY WILL ALSO BENEFITS FROM THE PROFITS BY IMPROVED LIVING STANDARDS. SO THANK YOU VERY MUCH AND LOOK FORWARD TO CONTINUED SUPPORT.
VENESA

Judith    May 12, 2015

I wish to thank Sam D, Idris, RobertF, fairspirit, E, Luckiestmonkey, mepster, Hendrik Harkvoot, zvrk2014, Raoul72, GalantnostS, Sander Beckers, reluck and the Zidisha team for supporting Venesa. Thank you so much, Venesa will pay all your money back without fail. God bless you all. Thank you Zidisha for the great work you are doing.