Simon    Jul 1, 2015

The amount due has increased to an extent that ia cannot handle the full amount at once. I however expect to be able to complete my repayment in the next three months as I expect business to improve over this time.

Simon    Mar 24, 2015

I changed my line of business late last year. While the business did well in December and gave me hope, it has been slower over January and February. Over the next year, as the year moves on, I am hoping that business will improve. I am hoping to complete my payments by the end of June. Even then, i find that I can only pay a small amount for at least one more month.

Simon    Dec 23, 2014

I have found the repayment amount too high since I raised it. I have also found things a little weighty since I have gained more responsibilities. I am looking forward to completing the repayment and may actually repay it in lump sum in the near future. In the mean time, i am requesting my lenders to be patient with me. Thanks for the loan and for the time you have been patient with me

Simon    Nov 5, 2014

I had been unable to repay my loan at the time I scheduled the loan. I however now feel able to repay the loan over a shorter period of time. I also now feel comfortable enough to work without having to take a loan. i would want this loan to be given to someone who will need it more or as much as I did. This can only happen if I repay the loan. Thanks to all lenders.

Simon    Oct 23, 2014

Hello friends
I am considering raising my installment amount. I am however having some difficult with the website. I will reschedule as soon as I can comfortably do so

Simon    Jun 19, 2014

I am well now. My business however went down. i am however doing something that will help me to get back on track in no time. i have just paid most of my arrears and will cover everything else early next week together with next week's payment. I will then be able to carry on with my payments properly. I am planning to shift to another location in the near future but I will update that information as soon as I do. I am still looking for a house to sift into. I am sorry i have been unable to complete most of my payments in time but i promise to do that soon.

Simon    Apr 6, 2014

i recently had a minor accident in which i dislocated my left leg. I went to hospital and was plastered leaving me unable to continue with distribution efforts. The medical bill also hit me quite hard. I am requesting to repay slowly until i fully recover both healthwise and financially. I know i have inconvenienced my lenders but i promise to work harder as soon as i can resume work and repay the loan.

CZC    Mar 28, 2014

Mr. Karuku,

How is your business doing? I see you have fallen a bit behind in your repayments. Could you give us an update on your situation?

Thanks,
Cris

• Simon    Apr 6, 2014

  hello Criss. I have been having a bit of a problem accessing my zidisha account. I fell behind since i was involved in a minor accident in which i dislocated my foot at the ankle. I am however doing well and should feel better soon and then i will resume my repayments as well as i started. Sorry for any inconveniences i am causing you and the other lenders. All the best

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  • C

    CZC    Apr 6, 2014

    Mr. Karuku,
    
    Thank you for the update. I'm sorry to hear about your mishap. I hope you feel better soon.
    
    Take care,
    Cris

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Simon    Feb 23, 2014

Thanks a lot Grigotts. You will never know exactly how much impact you are making in my life.
Regards
Simon

Gringotts    Feb 23, 2014

Hello Simon,
Congratulations on your new loan. I wish you the best of fortune in your business.

Simon    Feb 19, 2014

thank you lenders for funding my previous loan. I am especially thankful to those who made a follow up to my progress like Tom and Crissr. The loan was very useful for my growth. I have placed another loan request. This loan will stop me from restocking twice each day. Instead, i will only go for my stocks once a day in the evenings. I am hoping to continue working with you

• T

  TVandenbosch    Feb 25, 2014

  Dear Simon, unfortunately I am not able to find your second loan request. Where is it? All the best, Tom.

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  • Simon    Feb 26, 2014

    Thanks a lot Tom for your follow up. However, my loan was funded pretty fast this time round and was fully funded by Sunday. It was disbursed yesterday. Wish there was a way i could let you know when i am requesting for my next loan to buy a motorbike. Feel free to communicate to me via facebook on www.facebook.com/simon.ndir....
    Regards
    Simon

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Simon    Feb 11, 2014

My business is growing fast. It is only fair that i repay the loan and request for a bigger one. A good example as to why i have decided to repay the loan is that nowadays i always have to go to town at least twice each day to restock. If i get a bigger loan, i will be able to stock just once a day and use my time to build my business

• T

  TVandenbosch    Feb 13, 2014

  Dear Simon, thank you for the very good news. I believe you have now almost completely repaid your rescheduled loan. That is good to know and we are looking forward to continue working with you in the near future. Kind regards, Tom

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  • Simon    Feb 13, 2014

    hello Tom. How are you doing? You have been too silent lately i was getting worried. I have actually completed repaying the loan but somehow not everything has reflected. The transaction id for some 200 I repaid on Tuesday morning was EP88RB013. Please see if it goes through. Don't be too quiet.
    All the best
    Simon

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      TVandenbosch    Feb 13, 2014

      Hey Simon, no worries, I was just travelling and a bit busy. All is well on my side. I think maybe Zidisha is a bit slow in registering transactions and I hope your last repayment will show up soon. Cheers, Tom.

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      • Simon    Feb 14, 2014

        Hello Tom. I am happy to hear you are doing fine. I called safaricom today and they confirmed that the transaction is hanging in their system but they are working on it. Enjoy your weekend Tom.
        Regards
        Simon.

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          TVandenbosch    Feb 15, 2014

          Have a good week-end too, Simon. Let's hope Safaricom can ease the jam in their system soon. Cheers, Tom

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Simon    Jan 19, 2014

here is a pic of the airtel airtime i am now selling. It is doing well but I find it harder to move than the safaricom airtime. I however am able to sell all my stock each day

• T

  TVandenbosch    Jan 19, 2014

  Dear Simon, great to see you now have Airtel airtime available. It is normal that it doesn't move as fast as Safaricom as there are less Airtel users as compared to Safaricom. Also, potential customers still have to get familiar with the fact that you now sell Airtell airtime as well. Maybe a bit of mouth-to-mouth advertising and campaigning will help. Cheers, Tom

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  • Simon    Jan 19, 2014

    Thanks a lot Tom. I am doing everything to ensure that I sell as much as possible. I have also noted that sales increase each day. It is a great thing to have a variety of airtime. Thanks again for the advice

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      TVandenbosch    Jan 20, 2014

      Thanks for the follow-up, Simon! Good to know that your sales are increasing. It is good to keep track of your sales in a clear overview. Maybe there are certain days of the week when people tend to buy more. Or certain days in the month, e.g. after their payday. Maybe there are even peak times during a day, e.g. early morning and late afternoon These are the times and days you always need to make sure you are readily available for good customer service and excellent sales! Cheers, Tom

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      • Simon    Jan 21, 2014

        You are right again Tom. My customers buy best during the first few days of the month. They also like their airtime delivered in the morning and in the evening. Mondays produce the best sales of the week since we dont sell on sundays. I therefore use this knowledge to my advantage and use the offpeak hours to restock and commute. Thanks for your advice. You are very informative.

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          TVandenbosch    Jan 23, 2014

          Dear Simon, I can see you are really on top of things when it comes to doing real business. I also received your first repayment in good order, thank you. Kind regards, Tom.

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Simon    Jan 5, 2014

Thanks to all those who have placed bids on my loan request. I promise to repay the loan as soon as possible.

• T

  TVandenbosch    Jan 7, 2014

  Dear Simon, congratulations on getting your first loan on Zidisha! All the best with your expanded airtime business. We are looking forward to reading your updates and to smooth transactions. Cheers, Tom

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