Benson

Kiptangwanyi, Kenya

18% repaid

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Entrepreneur

Name

Benson

Member since

March 2012

On-time repayments

84 installments  •  24%

About Me

I am married with 2 children who are all schooling. I live in Kiptangwanyi shopping center which is about 43km from Nakuru town. I live in plot number 12A. I have a cereals shop in the shopping centre. My y cereals shop is known by many of my customers and thus this makes me to consistent customers in my business. I am able to purchase cereals in large quantities and as well as sell the same to my customers in large quantities. I also supply cereals in neighbouring shopping centers such as Kongasis, Jogoo and Munanda.

My Business

My business entails the sale of cereals in the shopping centre. The business is marketable and the demand for these product that I sell is very high within this area. The main challenges that this business are poor transport, drought and high prices of commodities that is usually accelerated by drought. This area of Kiptangwanyi is a semi arid area and sometimes the climate becomes so harsh such that nothing does well. At this time the business is usually negatively affected and the revenues goes down. Sometimes there is shortage of water which also highly affects the business. I hope that the loan that I will get from Zidisha microfinance will make me be able to improve the situation of my business.

Loan Proposal

I am thankful to you lenders for allowing me to post another loan application on Zidisha website. I am doing well in my cereals business and the loans that I have been getting from zidisha have enabled me to improve my business alot. Nowadays I am able to purchase large quantities of cereals and this has been very good for the business. I will use this loan to purchase two motorcycles that will be very essential in transporting cereals from the interior to the shopping center.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$2,815.00

Date disbursed

Oct 16, 2013

Repayment status

Late

Projected term

69 months

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Apr 2012:  $990

Jan 2013:  $1,355

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Ask Benson 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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  • M

    Mårten    Feb 24, 2015

    Dear Benson,
    just another lender here, another voice in the choir asking: what's going on?

    Please advise,
    Mårten

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  • Cricketca    Dec 16, 2014

    Hi Benson,

    It's been five months since we've heard from you or received a repayment - are you all right?

    Log in to reply • Share
  • G

    granite    Nov 25, 2014

    Benson, do you charge interest and late fees ?

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  • KM    Nov 8, 2014

    Hello Mr. Mungai - what has happened? You have been so steady in your repayments in the past, I'm worried that something bad must have happened to you or your family. If you get this message, please let us know how things are. Asante.

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  • Mannysgirl    Sep 26, 2014

    Any update on when these last payments will be made?

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  • Benson    Aug 14, 2014

    dear zidisha,i am not able to repay the amount that i was requested monthly due to my business is not doing well at this time as many of my customer is holding money because thy don't have as they depend on farming and this year all farmers in this area get loss as their plant didn't grow because of low rainfall,so i will try other means to able to complete this loan, and if my business catchup ,i will return to shorten the period,i apologies for inconvenience i cause.thanks

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  • Benson    Jul 16, 2014

    dear zidisha,i will not be able to make my repayment of this month in time because my money is been hold by my customer,but before the end of month or after two week i will make my repayment,i apologies for the inconvenience.thanks

    Log in to reply • Share

    • KM    Jul 17, 2014

      That's too bad, but I understand. I hope that your customer comes through for you soon.

      Log in to reply • Share
    • G

      granite    Sep 4, 2014

      It happens, hopefully your customer pays. Are you charging them interest and late fees for the trouble they cause you?

      Log in to reply • Share

  • Benson    Jul 2, 2014

    hi all lenders,i am very OK and doing my business as usual you assistance has been inspiring and life changing venture to me and my family for you have touched my life and of others,there is a saying that says,[ those who help those needy people are as act of GOD work] for you all lenders,wishing me well in my days endeavors i do play GOD to give you abundantly so that you can touch many lives,as you live to this world of wonders and diversity .thanks a lot and GOD blessing be upon you.

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    • KM    Jul 9, 2014

      Thank-you for your kind words and blessings, Mr. Mungai.

      And thank-you for your continuing excellent record with Zidisha.

      Log in to reply • Share

  • Simon    Jul 2, 2014

    Hi Benson,
    You have really inspired me to venture more in business!
    Simon

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  • Cricketca    Jun 27, 2014

    Hi Benson,

    How are you doing? Is everything all right?

    Log in to reply • Share

    • Benson    Jul 2, 2014

      HI cricketca [58] i am very fine and i am thank ful to you for your gesture toward my life,everything is okay, although here in kenya we are experiencing drought, but we will conquer the situation thanks and GOD bless you.

      Log in to reply • Share
  • G

    granite    May 1, 2014

    Hello Benson, How is everything going?

    Log in to reply • Share

  • Benson    Apr 15, 2014

    Hi Zidisha team and all stakeholders,
    I wish to request that I will not be able to send my monthly repayment for this month. I have just used my income to pay for hospital bill for one of my brother who is admitted in hospital. He has been there for quite some time and thus I was responsible for his upkeep. I hope he recovers soon and i will be able to repay my monthly repayments on time. thanks.

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    • evinpa    Apr 15, 2014

      Hello Benson Mungai,

      Thank you for your update. Best wishes to your family and I hope your brother is feeling better soon.
      He is fortunate to have you helping him.
      Evinpa

      Log in to reply • Share

    • KM    May 29, 2014

      Thank-you for resuming your repayments, I hope this means that your brother has made a full recovery!

      Log in to reply • Share

  • mewesten    Dec 16, 2013

    Hello Benson,
    I wanted to let you know that your first payment on this loan arrived to your lenders on Monday morning. Thank you for the payment.
    I hope your cereals business is providing well for you.
    Marvin

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  • Benson    Sep 12, 2013

    I wish to reschedule my loan and repay my outstanding balance well ahead of my final date of repayment. This is because I have been able to sell my last stock of beans that I bought last year and which has given good profit. I have now started purchasing beans that are being harvested this year. The business has quite improved well and it is my hope that it is going to improve even more.

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    • z00ker    Sep 12, 2013

      That is great news Mr. Mungai! I'm so glad to have been able to help you and that your business is doing well. I wish you more success!

      Log in to reply • Share

  • Benson    Sep 2, 2013

    I am glad for this far that I have come and I am grateful for Zidisha's role in my life. my business is doing well and thus I have been able to make on-time repayments. This is a time when the cereals are doing well as many farmers are harvesting and thus I am purchasing large quantities of beans which I usually transport to other towns and sell at a good price. I thus wish to repay all my outstanding balance. Thank you.

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  • Benson    Aug 17, 2013

    Hi zidasha team and all lenders.Am very grateful for the loan that you lend to me.It has greatly improved my life and my business.zidisha is a unique lending institution because it does not exploit the lenders by charging them high intrest rates.Thank you for the good job that you are doing.May God give you courage and strength to move on.

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    • KM    Aug 20, 2013

      Thank-you for making your repayment again! I am happy that I lent to you - and to let you know that I have loaned again the money you have returned to me - to a young woman in Nakuru. I will continue to invest in your area.

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  • KM    Mar 20, 2013

    Hello Mr. Benson - Thank-you for your repayment!

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  • KM    Feb 19, 2013

    Hello Mr. Mungai - Just wanted to wish you and all of Kenya a safe election on March Fourth. Best wishes from Canada!

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  • KM    Jan 25, 2013

    Hello Mr. Mungai - I hope that January has been good to you and your family - and I wish you continued success in your business!

    Log in to reply • Share

  • KM    Jan 25, 2013

    Hello Mr. Mungai - I hope that January has been good to you and your family - and I wish you continued success in your business!

    Log in to reply • Share


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