Bavarian    Sep 6, 2014

Dear Mr Mwangi, I hope you and your family are doing well. We haven't heard any news from you for a very long time and you are far behind your repayment schedule. Please keep us informed when you will repay your loan to us. Regards, Bavarian

roberta.zenere    Jan 9, 2014

Dear Lenders,

my name is Roberta Zenere I am coordinating the Zidisha's MPESA team, responsible for processing loan repayments and disbursements.

Todaya repayment for 1,009.82 USD (87,000 KES) was enetered by mistake in the repayment schedule of Mr Mwangi. The correct amount of the payment is 8,700 KES; i.e. 100,98 USD approximately. This means that, upon removal of the transaction, the amount that had been credited to your lender account will be reversed and will reduce your available balances accordingly.

We are sorry for this inconvenience. Please, let us know if you have any questions.

Thanks for your patience!

Best regards,

Roberta
Zidisha Team

dcembrola    Sep 21, 2012

September 20, 2012

Hello, my name is Dan Cembrola, one of Zidisha’s Kenya Client Relationship Managers. I am currently visiting Zidisha borrowers in Nakuru and its outskirts.

Isaac Mwangi, currently on his second loan from Zidisha, continues to successfully operate the Stella General Store in Karunga Center. Located about 5km off of the main road, Stella General Store is one of the few outposts that provide materials for farming and construction, the two main industries in Karunga Center. Isaac differentiates himself from his few competitors by using his knowledge of construction and farming to advise his customers on the best practices of both endeavors.

Isaac has owned the Stella General Store for five years but has experienced significant growth since he began receiving loans from Zidisha. Prior to working with Zidisha, Isaac would routinely buy 3-4 bags of animal feed, seeds, and fertilizer. He was only to sell small portions of each item at a time because the income of his customers fluctuated with the growing seasons. Oftentimes, Isaac would sell a customer seeds and would have to wait until those seeds were grown and harvested before his customer could fully repay him. This process made it very difficult for Isaac to increase his inventory. Since partnering with Zidisha, Isaac has been able to buy his inventory wholesale. This has allowed him to expand his customer base and given him the ability to sell his products to farmers on credit without being handicapped by the time it can take for him to be repaid.

In addition to his store, he also runs a two and a half acre farm. His added income from the prosperity of the store has allowed him to improve his cultivation of maize, tomatoes, and cabbage. He also owns three cows which he has recently built a new stall for on his property. With his next loan, Isaac intends to continue to expand his inventory and allow himself the ability to serve customers further afield from Karunga Center.

• Isaac    Dec 7, 2012

  zidisha you are a wonderful partner in my business. As I look forward at completing my loan, I reflect on the achievements. My family and I are quite excited. My vision is to be closer to you and grow with you. You have a friendly team. Thank you.

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Isaac    Mar 17, 2012

Thank you very much zidisha team for loan you gave me for I was able to buy seed for my business. May God bless you for the good work your are doing.

• L

  lmuenchen    Mar 17, 2012

  Hello Issac,
  
  thanks for your kind message. Good luck with the seeds - I hope it will be great harvest!
  
  Take Care!
  
  lmuenchen

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• danmcb    Mar 21, 2012

  Hello Isaac - I'm happy your loan is complete. Much success with your farm, I hope your crops are very good this year! best wishes, Daniel

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