Hope2012    Apr 26, 2014

That's great I was just wondering whether he regretted taking the loan in the light of the troubles he's faced, but fortunately it seems not. Thanks for the update.

Kitty    Apr 15, 2014

Thank you, that's great

Joyce    Apr 14, 2014

Dear Lenders, I'm glad to report that Joseph Mbugua Githinji is still very grateful to Zidisha for the loan he got and he is indeed very sorry for not having been able to repay his loan as planned owing to some financial constraints which he has overcome recently.
He has however promised to resume his loan repayments by repaying Ksh. 1000 every Sunday.

Joseph    Apr 14, 2014

Sorry that I have not been able to repay my loan for some time owing to some financial challenges as I explained earlier. However, I'm glad to report that I have recovered from this and thus I'm ready to resume my repayments weekly(every Sunday).

I wish to resume by monthly repayments by paying weekly installments of Ksh. 1000. Please accept my apologies for the earlier delay.

Hope2012    Mar 15, 2014

Thanks so much for resuming payment after your setback. That's just so impressive.

Julia Kurnia    Nov 6, 2013

Dear lenders,

I spoke just now with Mr. Mbugua. We had been trying to contact him and the church pastor who had signed a recommendation in support of his application to join Zidisha ever since Mr. Mbugua's repayments stopped in July. The phone system in Kenya is inconsistent, and our previous attempts at calling had not gone through. This time I was able to reach Mr. Mbugua with a good enough phone connection to understand his explanation.

Mr. Mbugua had made his loan repayments consistently each month from January to July. He explained that in July, his brother's wife gave birth to twins and that the infants needed to be hospitalized after birth. Mr. Mbugua diverted all of his financial resources to pay the hospital bills in an effort to save the children. Tragically, one of the twins passed away. The other has been discharged from the hospital.

Mr. Mbugua is left with few resources to resume loan repayments, though he mentioned he was planning to sell something in order to settle his debts. I advised him to formally reschedule his loan repayments, and he said he would try to find a place to access the internet in order to do so.

Best,

Julia Kurnia
Director, Zidisha

• Hope2012    Dec 17, 2013

  Thanks for this feedback, I hope things go better for the family

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Hope2012    Mar 14, 2013

Thanks for your march repayment ;)

• Hope2012    Apr 22, 2013

  And thanks for your April repayment ;)

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Hope2012    Jan 8, 2013

Hello, happy new year and thanks for your first repayment hope everything is going well for you :)

• Hope2012    Feb 11, 2013

  Thanks for your second repayment

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Joseph    Oct 17, 2012

Hi zidisha, i want to thank briansedz from united state for funding my loan on 16 Oct 2012 god bless you. today is 17th Oct 2012 and my bidding classes on 18 Oct 2012 . my loan still need 78% please lenders promote this loan.since we are heading to mashujaa day festival on 20th Oct 2012, because this is the harvesting season people sale their harvest to buy goods for their homes. i have these idea of setting an electrical posh mill. for that profit i have made in my business i intend to buy maize with the help of this loan. in Kenya both in rural and urban, posh mill play an important role in economic life of Kenya because maize is the staple food in our country. we grained maize into flour (unga). the flour is used to prepare (ugali) or maize porridge (uji). please fund my loan to fulfill my dream.god bless

• Hope2012    Oct 18, 2012

  Congratulations on your loan funding I hope it gets disbursed in time for the festival best wishes for your business

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  • Joseph    Oct 19, 2012

    Dear Hope 2012, if a raindrop would mean how much i appreciated all that you have done. I bet it would rain all day. You are kind loving, warm and unselfish. You have helped me so much and i will always treasure that. This is the beginning of all the joy that God has store for us and the first step to fulfill my vision in the business. Thanks all those who contributed in funding my loan and the entire zidisha family.

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    • Hope2012    Oct 19, 2012

      To be honest Mr Githiji, I felt that I couldn't really afford to lend you this money because zidisha says we should not lend more than we can afford to lose, I kept checking back, hoping for others to complete the bid, but nobody did.
      I have seen 2 other bids fail just this week and it is hard for borrowers to reapply, delay or maybe miss their dream altogether.
      So just before midnight with some nervousness I risked all my savings on you. This month will be a bit lean for me but I don't care, it is manageable.
      I tell you this not to boast, just to inspire you knowing that a total stranger has confidence in you.
      Best wishes from England, UK

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      • Joseph    Oct 20, 2012

        Dear hope, i do believe with you. You have played a big role in completing my first loan in zidisha, to me you are not a stranger any more. You are my role model and a friend. When i think of the word hope, i think of it as the emotional state which promotes the belief in a positive outcome. I wont let you down. I will work had to repay the loan. Thank you hope.

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• Hope2012    Oct 30, 2012

  Hello, did you receive your funds? Thanks

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  • Joseph    Oct 30, 2012

    Hello hope? I’m fine. Thanks for asking, to be honest I have not received the funds but I hope zidisha will send it before this week ends

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    • Hope2012    Oct 30, 2012

      Ok I will send them an email to chase them up best wishes x

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Joseph    Oct 4, 2012

No matter how big the difference of us in terms culture, tradition, religion and beliefs are still zidisha do help borrowers without seeing each other face to face. May God keep this unity strong. It’s the second week since the teachers strike was called off in Kenya. This is making my day to day sales to increase. For example the demand of watermelon is high because the weather in this area is hot, thus if I get extra cash through your loans I will hit a jackpot though the sales of watermelon.
Three things of life that are most valuable love, self¬ confidence and friends since I have confidence and friends in zidisha, I believe I will successes.

• Hope2012    Oct 19, 2012

  I really like and agree with this post :)

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Joseph    Sep 23, 2012

Dear Igdisplay you have bean doing great job to the borrower and the family
of zidisha.Thanks for the good job,may god bless you.

Joseph    Sep 22, 2012

Dear lenders, a friend is never a coincidence in our life, they are meant to enter our life to bring you joy and laughter. So i will treasure the friendship between me and ZIDISHA fraternity. In my green grocery Kiosk, i am also selling potatoes and advising customers to take them with skin. Since potatoese are the best blood pressure reducer. They boost potassium intake which significantly lowers the BP. I am still waiting for the loan to be fully funded. God bless you.

Joseph    Sep 18, 2012

for this moment the weather condition is very much good for the business.
i m hilly on the sales and the cash is good.