Hardware shop

Virginia

Nairobi, Kenya

100% repaid

Entrepreneur

Name

Virginia

Member since

December 2017

On-time repayments

85 installments  •  96%

About Me

I was born in 1973, my parents were residing at Marsabit. They then moved to their rural home Nyeri. I went to School Mukui Primary School .I join ed Secondary School which was near home at Nyeri.
I joined a small scale trader in the year 2010 but i did not expand so i decided to move to Nairobi where i am now for a greener pasture.
I started another small scale trader of buying and selling timber,nails, iron sheets, brushes and sand at a rented room and is when i met Joseph. I hope happy to join ZIDISHA because my hope is to expand my business.

My Business

In fact, when i started the business, i was at our rural home Nyeri. It took too long to pick because it was new to that place and to make it worse , many people didn't concentrate on building, because they were farmers. There, i requested my parent to help me financially for me to continue with small scale trading. I chosen Nairobi City though out of city center where new and modern resident now i enjoy buildings were built. It took some months to start being noticed by builders and now i enjoy the fruits of the trade though not too much but at least am able to handle rent payment , food and small needs.I find the much i get per month as an interest is not less than between Ksh; 25,000/= to Ksh. 30,000/=

Loan Proposal

I will buy some small new items and display where regular and new customers will see so as to see and attract them hence buying.
These small new items will somehow add value to the ongoing business and at least there will be rise of interest.
My second Zidisha loan will be a history to me that I will not forget lenders.
Thank you so much and God bless and keep you longer.

Feedback

None

None

None

Loan Info

Project Type

Classic Loan

Disbursed amount

$163.00

Date disbursed

Feb 27, 2018

Repayment status

On Time

Projected term

10 months

Lenders

W

Witlof

Tsukuba, Japan

DeanDropshot

Oslo, Norway

T

Tallago3

Munich, Germany

C

cjmenchaca

Austin, United States

E

Elisa

Espoo, Finland

C

Corrino

Sofia, Bulgaria

Krtecek

Balzers, Liechtenstein

Tavin

Ottawa, Canada

C

chrisherron

Chicago, United States

Immanuel

Darwin, Australia

isabelv

Barcelona, Spain, Sweden

T

ThereIsNoGod

Singapore, Singapore

ibc123

Seattle, United States

smastermind

Jerusalem, Israel

TyrynyRed

United States

B

beegkitty

United States

S

Stephan

Netherlands

MZ

Matt Zirwas

United States

SH

Steven Huntington

London, United Kingdom

LZ

Li Zhang

United Kingdom

The Weltys

Averill Park, NY, United States

MH

Meika Harris

United States

L

Liam

New Zealand

Paul Buchheit

Mountain View, United States

Jonathan Paugh

United States

sbdoc

Reno, United States

E

EJOBIV

United States

Metalfreund

Berlin, Germany

WM

Will Martin

United States

T

Tineke

New Zealand

FD

Florin Draghici

United Kingdom

K

kc

United States

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  • Virginia    Oct 14, 2019

    I am writing to inform you that my phone number (0729062582)which I use to receive my loan was changed to 0708622146 which is unauthorized person to receive the disbursed loan. I kindly request your help to retain my previous phone number 0729062582, for the disbursement before I accept the loan disbursed. This is a matter of urgency.

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    • Lotus Flower    Oct 15, 2019

      Virginia, please don't confuse your lenders with the Staff,
      a/k/a the Team (whom you can see here: www.zidisha.org/team).
      Although the two (2) current members of the Staff also are lenders,
      most lenders are *not* on the Staff.

      For all technical and administrative issues, please
      always click on the HELP link in your account.

      Your borrower-lender Discussion page
      *isn't* the correct place to try to reach them,
      as they almost never visit these pages.

      Thank you, and best wishes.

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  • Virginia    Sep 27, 2019

    The loan did help me alot though it did not satisfy my expectation.The little i received ;i made use of it that it increased my weekly income and i hope though the one am receiving is more less like the previous one .I will also make use of it and I will likely expect to double my interest.I want to let all my all lenders and zidisha team that the help they do to the needy ones do marvelous to us and especially I wambui.God bless you all.

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  • Virginia    Sep 7, 2019

    The reason i have for now is still the same as previous one; the amount i received of the current loan can only attract an interest of intended payment per week, i hope you will hear my request.

    Thanking all my lenders and all Zidisha team.

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  • Virginia    Jul 27, 2019

    The reason i have for now is still the same as previous one; the amount i received of the current loan can only attract an interest of intended payment per week, i hope you will hear my request.

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  • Virginia    Apr 20, 2019

    The reason i have for now is still the same as previous one; the amount i received of the current loan can only attract an interest of intended payment per week, i hope you will hear my request.

    Thanking all my lenders and all Zidisha team.

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  • Virginia    Mar 31, 2019

    i have no other reason apart from the one i gave from the start of this current loan that the amount i received cannot attract interest more than that per week

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  • Virginia    Mar 2, 2019

    The reason i have for now is still the same as previous one; the amount i received of the current loan can only attract an interest of intended payment per week, i hope you will hear my request.

    Thanking all my lenders and all Zidisha team.

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  • Virginia    Feb 9, 2019

    The only main reason is that the loan i received can not attract an interest of more than i have chosen to pay; i will be increasing the payment as we go forward.

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  • Virginia    Jan 19, 2019

    Although i had chosen to repay the loan within ten weeks, I wisely came to conclusion that i reduce the amount for i was expecting the whole some of over Kshs. 18,000, the deduction came after i had already committed myself to repay the loan within a short time possible so that i could apply another one after completion.
    The amount i received after the deduction can not enable me to afford the Kshs. 1831 per week for it will mean to be reducing my capital share interest so that i service the loan itself and that is why i have reached to that point but it does not mean that it will remain so. I will gradually increase the repayment as we go forward because i still need another loan soon.

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  • Virginia    Jan 11, 2019

    I will add stock to my current business, i hope it will help to increase my income; you know we have to appreciate whatever we get because it is not a matter of minus.

    I thank all my lenders without naming them for they know themselves well. I can not forget to thank Zidisha team for they actually act as the bridge between I, the borrower and my lenders.

    Thank You

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  • Virginia    Dec 24, 2018

    The previous loan helped to increase my stock though it was small one. it attracted my customers and i hope this round i will still add more stock. Am expecting better return and that will allow me to repay the loan quicker. Thank you.

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  • Virginia    Dec 1, 2018

    After I finished renovating, the business is now picking and attracting customers; things will change soon and I settle the loan so as to apply a higher one.
    Thank you.

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  • Virginia    Nov 17, 2018

    One of my parents funeral is still going on and family members have fixed the burial date on19/11/018, therefore I have a reason to reduce the installment for three time and I hope you will hear my request.Thank you.

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  • Virginia    Nov 10, 2018

    mum passed away two days ago and i have to complete the funeral and burial rites after am done with the work. I will resume paying the installment

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  • Virginia    Nov 3, 2018

    I have finished renovating and customers have already started to notice that the business has a new face. i hope it will be not as usual because i have received some congratulations from them; its a matter of time for the business to pick-up even better than before.

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  • Virginia    Oct 27, 2018

    am now almost through with the renovation, final touchings

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  • Virginia    Oct 20, 2018

    Next week is when i will finish the renovation

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  • Virginia    Oct 13, 2018

    the reason is that i have done some renovation and i hope by next week things will be as usual

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  • Virginia    Oct 6, 2018

    i cannot afford to pay

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  • Virginia    Feb 26, 2018

    i will buy some little items which will be atleast attract my customers and others; i make sure that i buy items which are always in demand;
    it will be in my record that my second loan with Zidisha has done me proud that i am on the right track to succeed.
    i take this opportunity to thank all those who did raise this funds tirelessly and may God touch them again and again to keep on and He (God) will add more to them and long life.

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