Loan for farming and for buying a laptop computer

Felix Wiyema

Wanguru, Kenya

100% repaid

Entrepreneur

Name

Felix Wiyema

Member since

December 2014

On-time repayments

196 installments  •  94%

About Me

I grew up in up-country born in a family of eight children, my father was a senior prison office who liked farming while my mother was a farmer too. they trained us to be self reliant that by time I joined form one I left to buy uniform and other personal plus all other school requirements; my father used bought the first uniform and only paid school fees. I was forced to repair shoes for neighbors to get money but when it proofed not sufficient a friend gave me a camera which we were to share profit. after some time God sent my way a good Samaritan who needed water after we gave him water ; he was concerned and offered to sell me a better camera on installments as I use it. I became a student photographer. After completing my fourth form I joined bible school, later received a call into ministry, I joined American Insurance co. as a salesman just to subsidies my income. Later trained as a computer technician. worked for several companies but later in 2008 returned back to Full-time ministry as a missioner and was then posted in Northern Uganda to pioneer a church. I was privileged to work as resident pastor in several churches until God gave me a new assignment to which I registered the ministry in 2013. I resigned to carry on with the new assignment only to have my business investments collapse. My business patterns went underground and I choose to start farming to generate income. Since then I tried vegetable farming which was not profitable; a friend challenged me to do horticulture which I am now engaged in. It has been a great challenge due to lack of funds but God has been faithful all through. I remain committed to the future is brighter than at beginning, now that their is hope for funding.
I am blessed with three children, my daughter wants to train as electrical engineer while my son wants to be a pastor . I enjoy help others realize their potentials and live a fulfilled life.

My Business

Am a farmer planting traditional vegetables, french beans, Water melons and Tomatoes: Due to market demand I plant a lot of kales for supply in learning institutions where I have secured tenders. My income come from the sales of tomato nurseries as well as spinach sukuma wiki (kale) nurseries. I plant cow peace, pumpkins, terere mite plant (managu) Saget for both local and commercial market. I have just recently switched to incorporate water melons after logistic research on the crop its expenses and total returns. As a pastor I also receive free will offerings as well as gifts from friends and well wisher. I use my returns to pay school fees for my children and some orphans, family upkeep, grow and diversify the business, support widows in the church and improving our home.

Loan Proposal

Hello dear lenders, first I want to appreciate you for your continuous financial support. I will use the loan to acquire a better working second hand laptop to facilitate my research on farming and more it will help me have a convenient online access. Five month ago my laptop broke down beyond repair, as V.M it has been a great challenge for me to post comments on time as well as verify the contacts of new assignee to curb down on forgery hence reduce level of defaulters. Out of the total funds i plan to use 15,000KES for laptop purchase and The Remaining money (29,237KES) for purchase of fertilizer for planting and top dressing the french beans for one and a half acre. In addition I will also purchase ten (10) water pipes to replace the faulty ones for efficiency. Along side I will buy fungicides, and pesticides and pay for extra laborous to assist me with the work.
This project will boost my financial status hence empower me to pay school fees for my own children and also the orphans I give scholarship to. I expect the laptop to help me be more efficient in my VM responsibilities as cyber has always caused a lot of inconveniences and at long run it will be cost effective. The french beans will provide work opportunity to average of thirty women and about four men. As part of inter cropping the maize I plant serves as major boost to food supply to the surrounding market as the stalls supplement animal feeds.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$495.00

Date disbursed

Dec 18, 2016

Repayment status

On Time

Projected term

27 months

Cost to entrepreneur

Service fee: $20.41

Felix opted to pay $20.40 into the Zidisha Members Loan Fund in return for a higher starting credit limit.

Lenders

Craig Newmark

United States

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  • Felix Wiyema    Mar 13, 2019

    Hi dear lenders! thank you for your financial support and patience that I have always enjoyed. I used the funds to purchase a laptop that has been of great help to my farming business, church, neighborhoods and in my follow-ups to my assignees. I also was able to buy farm inputs in bulk thus enjoys great discounts and it also saved my the headache of last minute rush. My earnings increase drastically enabling me to build a house for the family to cut down cost of house rent. I was able to clear fees for both my children and other orphans under my care. As a family we were able to sent our first born to secondary school early this year. Last year we were privileged to host the sub county agricultural field day [ farmers open day training} which was a great success.

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  • Felix Wiyema    Mar 12, 2019

    Hi lenders am able to pay since I have been paid my last supplies.

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  • Felix Wiyema    Feb 23, 2019

    Hi lenders I wish to clear the loan balance by now but due to some challenges I will reduce the next two instalments for the time being. Thanks for your patience.

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  • Felix Wiyema    Jan 28, 2019

    Hi lenders am very sorry for the delay I had some financial hick up but I expect to clear the loan very soon.

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  • Felix Wiyema    Dec 18, 2018

    photos of sub county agricultural open day held at our farm. it was a success. it was held on 28/11/2018 over 250 farmers and 12stake holders attended. Thanks to God and Zidisha family for making it possible for me to shine in horticulture.

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  • Felix Wiyema    Dec 7, 2018

    Dear lenders join me thank God for His faithfulness my daughter passed exam and was position four with 346/500

    She is set for secondary school next year.

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  • Felix Wiyema    Dec 7, 2018

    Daily sales have gone low and my payment for previous academic period is yet to be paid. Once daily sales increase I will increase. Thanks

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  • Felix Wiyema    Dec 7, 2018

    Hi lenders kindly bear with me my payment has delayed but once things resume to normal I will increase or pay out in full.

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  • Felix Wiyema    Oct 24, 2018

    My financial situation has improved so I can pay this for some time before I review it upward again.

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  • Felix Wiyema    Jul 10, 2018

    Hello my lenders am real sorry for the delays have had some delays in payments but soon I will even clear before time. Thanks.

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  • Felix Wiyema    Jul 10, 2018

    Hi Emma how are you? am sorry I have just seen your request I will do so. I lost my laptop and am in rural area getting internet has been a challenge but all is well. Thank you.

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  • Emma    Jan 24, 2018

    Hi Felix :-) Would you mind helping Nyaga to just adjust his payment record so his new payments register as if he's back to paying on time again? He's done really well to start back up again, I don't want him to get discouraged :-) Thanks for all your updates by the way, it was really appreciated.

    All the best with all of your own endeavours :-)
    Thanks in advance, Emma.

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  • Felix Wiyema    Nov 14, 2017

    Hello my friends and lenders trust you are fine. Am fine we are all well the farm is OK just did the first harvest of monkey nuts have a photo of the farm attached.

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  • Felix Wiyema    Oct 8, 2017

    Hello leanders thank you once more for your support, my very sorry for the delays kindly bear with me I will update my payments by wednesday: I had financial challenges. Thanks.

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  • Paul and Rachel    Aug 8, 2017

    Hello Felix

    How is it going? Was the harvest good? What are you doing next?

    Best wishes Paul

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  • Felix Wiyema    May 12, 2017

    Hello dear lender! The farms are doing fine the first harvest of beans will be mid next month. Attached is a photo of the crops. Thanks.

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  • Felix Wiyema    Mar 19, 2017

    Due to current drought the river I use for irrigation dried up which caused my entire crop to dry. This has affected my family and finances, I now have hired 4acres in Western part of Kenya where I will use rain more! I have already planted beans on 1 acre set to work on the rest. Once. Things are better I will increase the payment. Thanks.

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  • Felix Wiyema    Mar 19, 2017

    Hello my dear. Zidisha family join thank. The Almighty God for blessings us with a baby girl on Friday night!

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  • Felix Wiyema    Jan 24, 2017

    Hello sir! U have some little financial challenges but hope to settle very soon.

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  • Felix Wiyema    Jan 18, 2017

    Hello sir! Kindly bear with me my daughter has been sick I have not remitted my payment as per schedule, before Tuesday next week I will sent. Thank you.

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