Purchasing exams to sell to schools

Samuel

Kayole, Nairobi, Kenya

72% repaid

Entrepreneur

Name

Samuel

Member since

January 2015

On-time repayments

49 installments  •  47%

About Me

CHILDHOOD AND EDUCATION.

My names are Samuel Okello Oywa, am a Kenyan citizen was born in Siaya County, went to school at Bar Sauri Primary. From 1982 went to Chebwai High School, after doing my O Levels went to Kenya polytechnic where i did Machine Printing and operation.
HOW I OVERCAME HARDSHIP.
I got employed after my college with a Printing firm called Colourprint after which life was not easy because i had to take care of my siblings as my parents were not in a position to support the whole family. We are 8 members in a family. My father used to work but was later retrenched where we had to go back in the village but their was not enough support. Then I married and I have 6 children of which 2 are in college and 2 are in secondary school and the other 2 are still in primary doing class 7 and 5.

So I had to start a business because income at my place of work was not enough. Later I got retrenched and now I am just fully into this business of printing and stationery. I am trying to market my business though its not been easy considering the competition from other competitors.

The unique thing about where i live in is that there is a lot of competition when it comes to doing business, there is luck of employment and the Government is doing very little to assist.

I have 6 children and two are already finishing their college and the other two are still in high school and the other two in primary, one would like to be a manager since she did Business Management, the other would like to be an Accountant and that is what she is doing in her course. The 3rd one would wish to become an engineer and the other a doctor the other two are yet to decide what they would want in life.


My hobby is listening to music.

My Business

I do printing and stationery. I look for my jobs in offices after i have presented my company profiles. When I get these jobs I do them from people who have machines and then I deliver.

Printing is something I did right from college and I have worked in a firm and got experience on how you can market for your business. It is on demand, people need a lot of stationery in their daily use, in offices, schools, and colleges. Even printing things like T-shirts and other requirements when they want to do exhibition. I even do branding.

I get profits, though I also have children in school to educate, house rent and I also save some to add on my business and some I save a small amount to keep me going. So I believe I can pay back my loan as required.

Loan Proposal

Hallo Friends,
Am very humbled to have Zidisha as my brother and backbone to my business, at this time in my Town most people walk up and down looking for money to fund their businesses but for me i have Zidisha to give me the money on a very minimal interest. I want to buy Exams and start selling to Schools because the end of the first term is just two weeks away.
Most Schools dont print their own exams so they come to buy from most of us who have stock of exams.
I hope that my good friends whom i have a lot of faith in will come to my rescue so that am able to have my stock in time.
Thank you for being there for me and GOD BLESS YOU ABUNDANTLY.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$98.00

Date disbursed

Mar 18, 2015

Repayment status

Late

Projected term

10 months

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Ask Samuel a question about this project, share news and photos of your own, or send a simple note of thanks or inspiration.

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  • Samuel    Feb 11, 2016

    Hallo Lenders,

    First i want to convey my apologies for not having responded for some times, am really sorry but i have been undergoing through so much pressure because am not able to meet my obligation as a parent. My work stopped after the Government stop working with small scale businesses. I want to assure you that am working on paying all that i owe very soon.
    Best regards.
    Samuel.

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  • Samuel    Sep 27, 2015

    Hallo lenders,
    Its a pleasure to finally have this time to tell you people whats been happening . My Dad was admitted to a Hospital with a stroke, so it forced me to stay with him all this time, but i want to say that am looking for the money so that am able to keep paying my loan. This week i must try and submit some amount.
    Best regards,
    Samuel.

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  • Samuel    Aug 3, 2015

    Hi Katie, my family is okay but my Daddy was admitted to a hospital and i have been trying to assist my mum look after him for the last three weeks.
    He was diagnosed to be having pressure which almost resulted in a mild stroke. I thank God because at the moment he is able to eat something at least.
    Thank you for your concern my friend, i just deposited 500ksh in my account today and really praying and hoping for the best.
    Samuel.

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  • Katie    Aug 1, 2015

    Hi Samuel. I hope you are your family are well. Katie

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  • Samuel    Jul 10, 2015

    Good afternoon my friends and my Lenders, i hope that God has blessed you abundantly. I am well with my family and keep praying that we get more people to achieve this blessing too. The trading has been tough, but God will push us through.
    Have a wonderful evening my FRIENDS.

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  • Samuel    Jun 21, 2015

    Hallo Ladies and Gentlemen,
    Greetings from me, am ok though business is still down but i want to thank God for this chance to write this to you people. I still need your prayers at large so that am able to finish my loan.
    Thank you and be blessed.
    Samuel.

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  • Samuel    May 26, 2015

    Hallo Friends, its really been hard on my side repaying my loan due low business and school fees for my children.
    The start was not bad but suddenly there was nothing moving and i ended up defaulting with my payments, then my niece was stabbed and when taken to the hospital she ended up dying. Now the bills and burial issues came in, but i know when things get back to normal i will be able to adjust my payment.
    Thank you friends and may God continue blessing each and every one of you.
    Samuel.

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  • Samuel    May 20, 2015

    I wish to reduce my weekly payment to ksh 200 because i have been having real bad time in terms of finance. My business has been doing badly, so kindly bear with me, if thing comes back to normal i will gladly resume my full payment.
    Yours Samuel.

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    • Hana B    May 23, 2015

      Dear Samuel,

      To reduce your installment amount, please log into your Zidisha account and click on "Adjust Installment Amount," and follow the instructions there.
      Also, please note that this discussion space serves mainly for public communication purposes between lenders and borrowers. Zidisha team members do not always manage to monitor all the comments. You can contact Zidisha with any enquires via e-mail at [email protected]. Thank you.

      Kind regards,

      Hana

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  • Julius    May 7, 2015

    Hi! lenders we met with Samuel communicated and agreed that he was to reduce his weekly payments to adjust to his current financial challenges.I hope is has done that.

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  • Samuel    Apr 30, 2015

    Hi Julius,
    Am really sorry for not able to pay up my loan in time, things have stuck on my side that i dont even know what to do at the momment, but i know that my God will surely open up my way so i may be able to pay. Kindly dont give up on me because you are the true friends i have around.
    My best regards.
    Thank you for your understanding.

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  • Julius    Apr 23, 2015

    Hi! Samuel we are pleased with your communication concerning failure to pay your weekly loan,please try and make the payments as soon as possible,should you not be in a position to pay kindlly Reschedule your loan payments.
    Regards
    Julius
    VM

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  • Samuel    Apr 18, 2015

    Hallo, Friends,
    Words cannot express my failure to have submitted my weekly loan repayment, but i must try even though things have not been okay on my side.
    One of my family member was admitted to the hospital and we had to come in financially and am glad that now she is doing alright even though we have to pay the hospital bill.
    I know i will be able to regain my position and adjust that amount upwards.
    Thank you for understanding.
    God bless.

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  • Samuel    Apr 6, 2015

    Hallo friends, once again am happy that i have manage to get something to send bak.
    Biashara has been tough but i thank God that He has taken good care of me and my family well.
    I would just wish you best of life and blessing from our God.
    Thank you once again and be blessed.

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  • Samuel    Mar 31, 2015

    Hallo friends, am glad to have this moments to inform you of how am doing, the sales is not that good but we have to try and work in this life.
    Economy of our country is really bad, we are praying that things change, now we have to try other methods of doing, now am even doing cards and wedding materials.

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  • Samuel    Mar 19, 2015

    Hallo Friends,
    Its my pleasure to send this message back to you that i have just recieved my loan of ksh 8948 and i want to say thank you so much and God continue to bless you all.
    Now i just need to put my order of the Exams and take to the Schools.
    Best regards.
    Samuel.

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  • Samuel    Mar 18, 2015

    Am so grateful for the approval of my loan request, thank you and God bless you all,
    Best regards.
    Samuel.

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  • Samuel    Mar 10, 2015

    HI, Katie,
    Am left with no words to say when it comes to you, my family is ok, am doing good, what else can i say except, THANK YOU AND GOD BLESS YOU.

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  • Samuel    Mar 9, 2015

    Katie, what a wonderful friend have you become to me and my family, it was not easy, couldnt manage on my own, i wanna say thank you and may God continue to bless you in helping others.

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    • Katie    Mar 10, 2015

      Thank you Samuel. I hope you and your family are well.
      I am proud to have supported you and your family.

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  • Katie    Mar 2, 2015

    It's ok Samuel. I understand. You keep working hard and looking after your family. You are doing a wonderful job.

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  • Samuel    Mar 2, 2015

    Hi, really i dont know how to say this, i thought things would go on smoothly, but i was wrong, am working on my balance before the end of the week...could only manage Ksh 350 only.
    Sorry my friends and God bless.

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