Joseph    Jan 14, 2015

Hi to you all in the zidisha office,i am fine though my store has been not doing good in related to daily sales.Due to this,i am forced to change my payments to a lower amount until probably by the next payment.I am praying that this will not take long before thing work-out for my favour.Good day.

Joseph    Nov 12, 2014

To all my beloved Zidisha Fraternity staffs and the lenders in particular.I am requesting for an adjustments in my monthly payments for the time being.This has been caused by the slow moving of the men's hoes wear for now.I am pledging for a lesser Ksh.500 and later on i will be able to send more as the business dictates.Kindly bear with me for now hoping for the best soon.Thank you Zidisha team.

Joseph    Sep 10, 2014

how are you my lenders,it has been a tough month for me and my business too since the main road where i have placed my store being renovated.it has caused my normal sales to decline for the lst few months now.for this,i am therefore requesting for my loan reschule as we wait it's completion,as the contractor has told us that by October the road will be passable by the pedestrians.kindly understand my undergoings.thank you and God willing things will be fine sooner.good day.

Mercy    Aug 20, 2014

Hi joseph.Kindly help us get to Daniel Kamau mbugua.I have trieD contacting him and he is off on his phone.He has not made his payments and is arrears of 65 days.Kindly help us get to him.Thanks
Regards,
Mercy VM

Joseph    Aug 12, 2014

Hallo all the lending panel and the zidisha team.I am requesting the zidisha team for an extension on my paying date.This has caused be the local authority being repairing the road which has made my customers to change their way while going back home from their work,thus making my revenue to drop in this month sales.i am therefore willing to pay later.i am planning to start selling the shoes to my customers at their work place starting on 20th this month.i will keep you updated on my progress.thank you all.

Joseph    Jul 14, 2014

Hi all the Zidisha family members,It is another good day here in Kenya,especially Nakuru County.We are experiencing sunny weather at the moment.My business is doing average and we are expecting more customers during the day.
Now regarding my account,i have noticed that it is reading at 100% repaid.I had previously rescheduled my account as i had scarce funds to service the last month's installments.I can see that now reads at 100% paid which is not the case.Kindly help.Thank you.

• bconrad    Jul 15, 2014

  Dear Mr. Nganga,
  
  Thanks so much for alerting us to this bug! We have let our web developer know, and once it is resolved, your account schedule will appear normal again.
  
  Thanks so much,
  Bayle, Country Liaison Manager

  Log in to reply • Share

Joseph    Jul 8, 2014

How are you my worthy lending panel and the zidisha team management.Is is my hope that you are doing fine and good too.I have changed my monthly payment due to reason i couldn't avoid.There has been a major renovation of the stalls around the whole city,which was started by the County authorities and hence we have been closing our businesses mostly for the whole month.Iam therefore going to repay the loan comfortably from the end of this month of July whereby the whole renovation process will have been completed in the few days coming.Kindly bear with me promising to be punctual comes my next payment time\date arrive.thank you all.

Joseph    Jun 4, 2014

Hi Lender,
Today being on the fourth June,2014.have been good to us back here in Kenya and especially here at Lanet,Nakuru County.I have not been communicating for a while now but i am now available and i have opened my business as usual.The business is abit slow although i am expecting to peak from the end of next week,when my customers will be getting some salary advances.I will keep you updated as time goes by.Thank you all.

Joseph    Jun 4, 2014

Hallo all the zidisha team and the supportive lenders.I have changed my payments for a while.This will remain for a period of time until my business get back to normal business,since the business is very low compared to other months.I do sincerely appreciate for giving us an opportunity to excel on our businesses.Once again thank you for your support.

Joseph    May 30, 2014

I m sorry Pavane and all other lenders for not responding on time.I was away ot of town in a place called Smburu County, in a village called Wambaa.There was no internet facilities as well as the M-pesa service within.I am promising to pay tomorrow on Saturday without fail.Kindly forgive me for the delay i caused and promise,never again.Good day to you all.

Pavane    May 14, 2014

Hello Joseph,
You are a couple of weeks late with your repayment, I just wonder how you are doing?
Regards, Pavane

Pavane    May 7, 2014

Hello Joseph,
How are you and your business doing?
Regards, Pavane

Joseph    Apr 7, 2014

How are you doing my worthy lenders and the Zidisha team as a whole?It is my hope that you are doing fine and still empowering my other business people around the globe and Kenya in particular.Just as i have been communicating to you my business partners,I am working hard to see the ends meeting at some point.Only that for the month of March,things had been tough in regarding my payments.It caught me unaware since i had to renew my annual license although in this year we had to repay almost double the price we used to pay the previous years.Due to this,i have been forced to reschedule my payments timetable and start in this month of April.I kindly apologize for this unusual event.I will be paying this month instead.Thank you all.

Kjartan    Mar 12, 2014

Hi Joseph,


I'm happy that you are able to send two sons to a university. That is quite an achivement! Best wishes for you and and your family!

Joseph    Jan 30, 2014

Hallo all the zidisha team and the lending panel at large.Today being date 30/01/2014,have rescheduled my monthly payments.The reason is that Two of my sons had just joined the university one at Nairobi University college and the other at K.I.M.S,and they have really crippled me financially although i am still working at my store.For God's sake i will embark my normal repayments come next month.thanks and i am really sorry for this.Joseph.

Joseph    Dec 18, 2013

For the zidisha team and the lending team,i say THANK YOU SO MUCH.For sure this month of December most of the businesses do more sales than any other.I had received your funds on 16th December,2013.I have been delivered already the shoes that i had ordered the day i was posting my second loan.Otherwise the business look promising and i promise you that i will not bring your efforts down,once my repayment time comes.Thank you to the entire team for making the effort to extend my business,and also to buy for my store more newly fashioned shoes for kids and ladies in particular.May God rewards your efforts a million times.Thank you all.

mewesten    Dec 14, 2013

Hi Joseph -- Congratulations for repaying your loan.

Since you rescheduled your 24-month loan for 4 months, the loan may not have been needed at all.
It is good that you can operate your business without outside loan capital. That will save you the interest expense, and it should be the ultimate goal of lending through this platform. It also frees up funds for borrowers with real need.
Wishing you the best of luck and prosperity in the future.

Joseph    Dec 8, 2013

How are doing the zidisha team?I hope you are good and fine too.Me am good and my business is running as usual.Today being on Sunday i went to church in the morning service, thereafter i opened my store due to the big demand of the new arrivals shoes by my customers which had entered into the market with big boom.Also as we are heading to the big days in this month of December,we have Jamhuri day celebrations which is being observed on 12/12/2013,of every year and the Christmas seasons just about to be celebrated around the world by the Christians faiths.So we are hoping the business to be more positive than ever in the whole year's calender.
I have today,08/12/2013 repaid my monthly installments of Kes.7010.Thank you all.

• mewesten    Dec 10, 2013

  Hi Joseph,
  I'm glad to hear that your business is booming.
  I had never heard of "Jamhuri Day" before, so I looked it up and found this:
  
  "Jamhuri Day, also called Independence Day, one of the most important national holidays in Kenya, observed on December 12. The holiday formally marks the date of the country’s admittance in 1964 into the Commonwealth as a republic and takes its name from the Swahili word jamhuri (“republic”); December 12 is also the date when Kenya obtained its independence from Great Britain in 1963.
  
  Under British rule since the late 19th century, Kenya officially became a British colony in 1920. The movement against colonial rule grew, culminating in the Mau Mau uprisings in the 1950s, during which the country was plunged into a state of emergency through most of the decade. Africans gained some social and economic concessions as a result of the uprisings, and African political participation increased in the early 1960s. Kenya gained independence on Dec. 12, 1963, and became a republic a year later, with Jomo Kenyatta as its president.
  Because Jamhuri Day has such historical significance, virtually every Kenyan celebrates the holiday to some extent. Celebrations include feasts, political speeches, parades, and dancing."
  
  So in spirit it is similar to the "Fourth of July" holiday in the US, which marks a declaration of independence from the British. For Kenyans it make December a very busy month, indeed!
  Best to you,
  Marvin

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Joseph    Nov 8, 2013

Hallo all my zidisha family members.today being on Friday,i have already been given a new order by my customers who had come for the new arrival shoes.I have already placed the new order for the men's wear and children shoes,and probably by Wednesday the shoes will have arrived in my store from Nairobi Warehouse.I thank the zidisha platform for the generous support you have shown me and other small entrepreneurs across the region.Thank you and welcome.

mewesten    Oct 30, 2013

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Hello Joseph,
I am very glad to hear that you have upgraded your store using the Zidisha loan, and that it has greatly improved your shoe business. Congratulations that you have decided to repay your loan early.

This is a little surprising because your first loan payment has NOT EVEN COME DUE YET! Great work!

It may be the best success for Zidisha when a client no longer needs the Zidisha money to be successful.
Best of luck to you, sir.
Marvin
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