Zidisha |

Irene

Kabartonjo-bartek, Kenya

6% repaid

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How it Works

Entrepreneur

Name

Irene

Member since

July 2013

On-time repayments

64 installments • 9%

About Me

I am a single mother. I live with my daughter who is yet to join school. I am a business lady since 2009 at Kabartonjo town. I am diploma holder in business management. During my entire education, I have been doing business and its actually business which has educated me. I also started business as I was always having interest in doing business.
My business is boutique. I stock a variety of cloths, shoes and I also have two ladies who make suits and we usually get orders especially for wedding dresses.
I started up being alone and there after my profits rose which later prompted me expand my business and I moved to a new shop with really potential who customers.
Recently I just opened up a computer college and it has really started picking up.
I will be so grateful if accorded this opportunity.

My Business

As stated above, my business is boutique. I stock a variety of cloths, shoes and I also have two ladies who make suits and we usually get orders especially for wedding dresses.
I normally buy and make clothes. I have tailor who makes the clothes especially those in order, for the shoes I normally make purchases mid and end month.
My customers too prefer my goods as they are of high quality and competition is very low. I normally face challenges like transportations of goods and sometimes customers tend to be turning in a low rate.
My monthly costs ranges from ksh.30000 to ksh.50000,and my monthly sales are over ksh.100000 each month.

Loan Proposal

First,i would like t thank you all the zidisha staff and the lenders for the great opportunity you are according to us.The first loan really improved my computer college and i was able to improve my boutique shop as well using the proceeds i derived.
For these second loan i was to add two hp computers which cost around ksh.12000 each excluding the TFT/SCREEN as i will will be topping the loan to enable me acquire the two machines.
Thank you very much and God bless you all.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$199.00

Date disbursed

Oct 24, 2013

Repayment status

Late

Projected term

61 months

Other loans

Jul 2013: $100

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Walter01

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kingcamo1095

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Sarasota

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CZC

Lake Zurich, United States

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Samuel Mar 31, 2014

I am a VM. I phoned Nasimiyu today 12.05pm. Her number is not working and so is for her relative's reaching to a different person. I recommend investigation into this profile

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C
CZC Mar 27, 2014

Ms. Nasimuyu,

It's been a while now since you've updated your lenders. After you rescheduled your loan, you haven't made any payments. You are now nearly 3 months in arrears ($20). Please let us know when you will be making your repayments so as to catch up.

Thank you,
Cris

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C
CZC Mar 18, 2014

Irene,

I see you were finally able to reschedule your loan without any more bugs. I was wondering when you might be making your next repayment. Please give us an update on that and on how your business is faring.

Thanks,
Cris

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Irene Mar 6, 2014

hi lenders,my payment rate was okay before the bug which affected my account last time,
i had mad a payment of ks,600 as that was my amount i am suppose to pay each month.
i am now rescheduling the loan as i did last time as they have repaired my account and finish my loan next month.
Thank you and God bless you

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- C
  CZC Mar 6, 2014
  
  Irene,
  
  Before you pay it off, you should reschedule once more. When you rescheduled this time, your monthly payments went down to $5.89, but your total owed (because it's over a much longer period) went drastically up to $351.29. Once you reschedule again just before making your last payment, I believe this problem will be fixed.
  
  I'm sorry you've been having so many bugs on your loan page. Yours is the exception rather than the rule (thank goodness!).
  
  Good luck,
  Cris
  
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Michaela Feb 15, 2014

Dear Irene,
dear Crissr!

We are working on the web-bug.

Please accept our apologizes for the inconvenient and thank you for letting us know!

Very kind regards
Michaela, Zidisha Team

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C
CZC Feb 13, 2014

Zidisha,

How come the same problem has happened once more? This is tiresome to the lenders and certainly not fair for the borrowers. I think that fixing this problem should be a priority.

Cris

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- Irene Feb 13, 2014
  
  surely Criss I DONT know but i have emailed Zidisha team i really don't know why but i see the amount i paid before the reschedule was posted.
  I am checking my account frequently to see they have assisted me.
  Nasimiyu.
  
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Irene Feb 13, 2014

The same problem once more!

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Irene Feb 13, 2014

hi lenders,my payment rate was okay before the bug which affected my account last time,
i had mad a payment of ks,600 as that was my amount i am suppose to pay each month.
i am now rescheduling the loan as i did last time as they have repaired my account and finish my loan next month.
Thank you and God bless you.

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Irene Feb 8, 2014

dear zidisha i rescheduled my loan and i as today shocked to find it strange telling me to apply for another loan yet i made small payment at the same time and rescheduled to clear it as from next month.
please rectify my account as my lenders can also be shocked further more i cant even see the comments i posted during the time i rescheduled.
please my lenders i have also emailed zidisha to assist me.
yours faithfully
irene nasimiyu

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C
CZC Feb 5, 2014

Zidisha, there is a major problem with the accounting on this loan. It seems that when Irene rescheduled her loan, it wiped out her total amount due and substituted it with a lower amount. Please look into this.

Thanks,
Cris

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- evinpa Feb 8, 2014
  
  Yes, they have had this happen with several loans. It is a bug in the system.
  
  There is a Zidisha Forum thread about this problem here:
  
  zidisha.org/forum/threads/1...
  
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Irene Feb 3, 2014

hi lenders,despite making the payment for these month though not yet been credited,i have also rescheduled the loan to increase the monthly repayment amounts as already requested last year.
i will be increasing these rate as my business has already picked and you also allowed me to invest the loan with small repayments.
THANK You and have a nice day

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Irene Dec 11, 2013

HI,I ope that you are doing great.i hereby wish to reschedule my loan by actually reducing my loan to enable me invest the loan before i increase my monthly repayments.i hope that by doing so i wil not inconvenient you in any way.thank you
HI,I ope that you are doing great.i hereby wish to reschedule my loan by actually reducing my loan to enable me invest the loan before i increase my monthly repayments.i hope that by doing so i wil not inconvenient you in any way.thank you

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Irene Sep 3, 2013

Hi all lenders,i would to request to reschedule my loan by requesting to change my repayment amount from ksh.1011 to ksh.500.i am doing these so as to assist me regain more income as i use the proceed to boost the business.i am rescheduling but i am sure i will be able to accomplish my loan repayments in a short period of time.
Thank you and be blessed!

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