Shem    Jul 10, 2015

I have too many debts to service because of over one year of non employment.

Shem    Jun 9, 2015

My dear lenders and the Zidisha family, greetings. Things have started to improve and I have learnt that surely the Zidisha community is reliable and patient. I was fearing for the unknown and every time the day approached I did everything with fear and trembling to raise the installment. When I couldn't I relaxed and accepted the inevitable. I am able to repay and I hope the job assignment I have taken in Mombasa stays. thanks again my TRUE ANGELS on earth. Brother John Musevu is a good advisor.

John    Nov 1, 2014

I am John Musevu,the VM for Shem.I have been in touch with him and he says hes currently not employed,thus unable to make repayments at the moment due to the financial limitations.
He does promise to pick up when things do improve.

Sverre    Mar 1, 2014

If you havent already, I would advice you to reschedule your loan for as long period as possible, and start repaying what you can afford until you are ajour.

• Shem    Jun 9, 2015

  Dear Sverre, thanks for concern. I was not able to pay because survival and children in school drained me dry. I now have an opening and I hope to push on. The Money i took and spent on fixing doors on my new shop now we areready to move to the next level come my next loan.

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Shem    Feb 28, 2014

I have seen some positive development in my business. I shall pay Ksh 1000 monthly then Reschedule so as to be current by July the 10th. Likewise schools closing for April break,in Kenya, will allow me a wider space to tackle the challenge of being current and step up my VM obligations of impacting the community with Zidisha support.

Silver    Feb 4, 2014

What's going on withsharifa abdalla!!!??? You are her mentor! Please tell us her situation!

Sverre    Dec 25, 2013

are you not able to start repaying at least something each month?

• Shem    Dec 27, 2013

  My Business is experiencing state that I can not explain. We are in debt and our bills in arrears. When I can turn it around then I will pay in full. I have offered to take up any assignments now that I am well.

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Shem    Nov 11, 2013

Dear my honored Lenders and the Zidisha team,
I am writing to let you know that I am grateful you assisted me to get practical support and raising me to a position I could not have attained without your input. For this I am for ever grateful. However, a number of difficulties I am facing as a person and family have kept my business down to the extent that I have not been able to re-pay in time, follow up as a Volunteer Mentor (assignments, in my own view, I carried out in devotion and excellence) and at the same time support my family. the beginning of my problems started with illness where my wife and I were taken ill and for almost one full month we were bedridden. When we started to regain healthiness, we had exhausted our meager stock and savings and, were in debt. The business was down. It has been an uphill task to recover. My side jobs as a freelancer debt collector and detective which requires traveling and self marketing were far out of my reach. So what to I do? Ask my borrowers for more patience until after the Christmas season when there is money during the festivities.
You have been kind to me before and I do not have a doubt you will be kind again.
Thanking you in advance for allowing me to use your hard earned money and wishing you blessing from above, so that what I can not give you directly you may receive indirectly in other terms.

Sverre    Nov 10, 2013

Do you have information about why this borrower which you are a Mentor for is not repaying?
www.zidisha.org/microfinanc...

John    Oct 26, 2013

I am John Musevu,The VM for Shem Ageta.Shem's wife has been blessed with a child and due to the financial commitments emerging,he is not able to meet his commitmments as of now.He promises to restart the payments as from Mid December.

Shem    Oct 10, 2013

Dear Zidisha Team and my Lenders,
Thanks for patience during my down days. I have fully recovered and look forward to continue repayment. The busyness is on low because of the period we closed. I shall need an extra two months to have it revived especially during the December season when business is at peck. I shall then, hopefully, make for delayed payment. The little I am making now is for survival basic needs.
Thanks again for understanding.

Shem

bconrad    Sep 16, 2013

Dear Lenders, my name is Bayle and I am a Country Liaison Intern for Zidisha.

I wanted to give you an update on Shem's situation. He has been in contact with us to let us know he and his wife have malaria. Due to this, he has been unable to make a payment this month, but hopes to be back on track soon.

Thank you for letting us know about your situation, Shem, and I wish you and your wife a quick recovery!

Silver    Sep 15, 2013

What's going on with joseph macharia?? You are his Volunteer Mentor! Please tell us...

• Shem    Sep 27, 2013

  Hi, Sorry for delay in responding to this post concerning Joseph Macharia. I was for a time laid down unwell. Mr Macharia is not available at the address he provided. The Pastor who signed for him has since moved to a different area. my proposal is that a full tracking exercise be considered.

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• Shem    Sep 27, 2013

  Hi, Sorry for delay in responding to this post concerning Joseph Macharia. I was for a time laid down unwell. Mr Macharia is not available at the address he provided. The Pastor who signed for him has since moved to a different area. my proposal is that a full tracking exercise be considered.

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Shem    Sep 2, 2013

My dear lenders and the entire ZIDISHA FAMILY, greetings. I am this morning most elated for the far the Zidisha loan has taken my family. For one the grocer business has improved and the new house has doors fixed. This assistance has made the whole community desire to be involved and we are doing our best to hold Computer literacy classes so that more people are able to access this financial support program. I am already envisioning the next loan that I shall use to buy hardware for the computer classes and internet connectivity. May God bless you as you support more people worldwide to achieve their dreams
Shem Ageta

Shem    Jul 11, 2013

My dear lenders, thanks again for being such good nature people. I have paid my first installment and I wish you saw me today, all relaxed and i believe gained 1 kilo overnight for having sound sleep. At one time I was almost panicking when things were not going as per my postulation. I had expected to put in money and get out more money. It turned out that the fixing of doors was consuming more money and time so that what I expected in terms of revenue turned out to be farther afield than I expected. So I rescheduled repayment plan. I had worked for a security firm: Max Security Ltd in Mombasa and when they delayed my pay check for a whole month and I was eating and borrowing to keep afloat I started fearing for a demand note from Zidisha lenders! As if that was not enough I lost my phone - the tool for communication and the cyber cafe imply an expense. But thank God they bore with me. Three months down the road, the crops in the village have ripened, "IT HUB" has doorsthe debts are being paid and we can all smile. This is to thank you. I also have good news to announce, my book: Biblical Wisdom in Abagusii Proverbs (published by Nsemia Inc of Toronto Canada), is rolling out of the printing press right now. A google search can confirm. So I am very excited. Thanks again and join me to sing for joy together.
Stay well'

Shem

Shem    Jul 1, 2013

Lenders and the Zidisha Community, I wish to underline hat I was not able to meet my first pledge because my clients delayed my due payments. I know how disheartening this is but i do not have a choice. Do bear with me because I am a leader who need to lead by example. At a time when there are many discouraging trends that I followup, I hope to make for the shortfall.

Shem    Jun 16, 2013

My lenders and the Zidisha team, i am sorry but, satisfied that I am a Zidisha beneficiary. I put the Money I received in proper use and fixed my New building's doors. Now there is a delay in payment from the people I have already invoiced. I wish to reschedule but if the money comes into my account before the new date, then i will still clear and catch up with lost time.

Shem

Namaste250    May 31, 2013

Hi Shem,
Just checking in. All is going well? When will you have an idea about seriousness of the elder talk? Please give me an update some time. I told my husband we should consider a trip to Kenya and he has already packed his luggage. If all the lenders repay their loans and I save for the next three years, I would have enough money if I stayed away from Nairobi, the safaris and the resorts. I'm seriously thinking about it now that you put the idea in my head.
Best regards, Ann

• Shem    Jun 3, 2013

  Hello,
  I am very glad to have the chance to post on my loan page. First is to explain why I have kept silent and I am now back. For one, I had to run very fast so that I would utilize the grace period well. The places I was doing business do not have internet connectivity and my mobile browser is quite limited I am now back. I have fixed my now house and feel very happy. My wife thinks that I am the most progressive man - not many husbands get internet loans in this part of thge world- computer savvy. That said, Ann tell your husband that I am a respected village elder and the idea of you comping to Kenya is welcome. Would you consider staying in our village? We can get you good piece of land bordering our tea firm and where there is electricity and by the road. You shall like it. Fresh water fish in plenty. Trips to lake Victoria for swimming daily and come back to refresh and watch the village life. Here the people are friendly and you could write memoirs, or volunteer to teach in Secondary school nearby or organize the locals into Project minded Africans.

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Namaste250    Apr 29, 2013

Namaste250    Apr 1, 2013

Hi Shem,
How is my favorite gardener doing? Easter and Spring is a time of rebirth and new beginnings. Your loan news is a great way to celebrate. Just watch out for those weeds and temptations.
Best wishes for you and your hard-working wife, Ann

• Shem    Apr 3, 2013

  My Dear Lender,
  Thanks very much for mail and we hope you are doing fine.
  Am from Mageta island where there was no connectivity.
  Now am back to the village and work.
  regards
  Shem

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