Sally

Nakuru, Kenya

55% repaid

Entrepreneur

Name

Sally

Member since

July 2013

On-time repayments

16 installments  •  56%

About Me

My family back ground is very scattered as we were not grown up together. I decided that I cannot rely on the family and had to think of something to do. I am a teacher but at the moment retired. So apart from doing private tuition i decided to to start a small business with a few computers so as to help me improve on my graphics as I am a designer. My family are not able to sustain me and my grandchildren so I must be able to know what other source I am able to venture into. I do hope to be able to add more computers so that I can start a cyber to improve on the income for my daily use.

My Business

I did manage but in a small way by buying photocopy papers and other graphics papers and have been able to at sustain myself and my family. I live with my grandson and he is in school so I do have commitments that i have to look into. I have a number of customers because my designing is so different compared to others. This is for mainly business cards, wedding cards, funeral programs and others. The texture of colors used is what pulls other customers. I also do a lot of typing and customers bring their typing work because I am very fast at typing. I have two ways of being able to repay loans, either thru my monthly income that I get from tuition which is on monthly basis, or thru the cyber. I also do swimming lessons which also gives me a good income as I have monthly customers who pay on a monthly basis. My main interest is to improve on the cyber and make it grow bigger with more computers. I also want to change the old computers to flat screens and faster CPU

Loan Proposal

I want to buy a lap top to help me be able to work at night. The other lap top has knocked again, they say I have to buy another mother body. I feel that paying 12,000/-Ksh to return the mother body is almost the same as buying another one. So I would rather add some money on what you will give me then I buy a knew one with at least 2years guarantee which will help me. I have started another project which will need me to be working at night. This project is on eradicating street children from the street, I hope with my partners to take these boys and girls to school or polytechnics which are government. so that they can be boarders, in the meantime we are also trying to look for somewhere where they can be able to stay during the time when schools are closed. It is a project that is still in the pipe line and our launching will be on 20th November at Citymax here in Nakuru. If you give me this loan to get this lap top I will really appreciate as it will help me so much. god bless as you positively help me.

Feedback

2

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Loan Info

Project Type

Classic Loan

Disbursed amount

$229.00

Date disbursed

Nov 14, 2013

Repayment status

Late

Projected term

13 months

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A

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Moon, United States

HansLindgren

Uppsala, Sweden

Pierfausto

Rome, Italy

masterita

Manizales, Colombia

joaoferraz

RINCHOA, Portugal

Ask Sally 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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  • Sally    May 22, 2016

    Hi.
    I want to take this opportunity to apologise for the delay in payment due to me being very sick. I am know okey and want to pay the remaining amount of 10,000KES. I hope that i can still do this, as I do not like having a debt. I will reschedule my payment so that I start to pay from end of June 2016 as I thought I would be able to from end of January 2016. Hope my apology has been excepted. God bless Zidisha. This loan helped me so much, although due to my sickness I had to close the business and am now at home, However, I will be able to pay from end of June as I will be working in a school, where they are helping me to at least get back on my feet. Thank you for understanding. Sally

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  • Sally    Jan 24, 2016

    I was very sick for a long period and was not able to do my repayments on time. I want to assure you that I will know continue the payments as from end of January 2016 with an amount of 2000ksh please forgive me for this and allow me to continue to pay back the remaining 10,000/=shs. I would want to continue to borrow from zidisha please understand the situation that i was in. God bless you. Sally

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  • Zephania    Dec 15, 2014

    Dear lenders,

    I spoke to Sally and she told me that her business is still down but she will resume her payment soon.Thank you

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  • Zephania    Nov 3, 2014

    Dear lenders,i spoke to Sally through her mobile phone today and she told me she still passing hard time with her business but she will try to start making payment end of November.Thank you

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  • Zephania    Oct 30, 2014

    Dear lenders,

    I am currently trying to contact Sally Ndiri through her mobile phone once i will be able i will let you know her situation latest on monday.

    thank you,

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  • Sally    Aug 4, 2014

    I wish to take this opportunity to apologize for the delay in my loan payment as I had a problem and i was not even able to go on line. I wish to bring to your attention that I have never defaulted before and therefore wish that, and for other members, that you first contact me before sending messages to all the others as they were very worried. If i was a defaulter it would be appropriate for you to react the way you have. I will anyway pay within this week I do not want to reschedule as it i only have a few months to go. Sorry for the inconvenience please. God bless

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  • Sally    Mar 20, 2014

    I am able to pay the 2000 every month so that I will finish the loan in 8 months and will be paying on 9th of every month. When one is able to pay in a shorter time then they will be able to work harder to increase on sales so that the money comes in. As your sales increase it means that the profit is higher in a shorter time. This is what I am really working on and at the end of finishing this loan I want to start another business which is more profitable. Thank you.

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  • Sally    Jan 26, 2014

    Zidisha, I was wondering about when you have endorsed someone. Is there a time limit as sometimes someone when trying to fill the form takes two weeks or more time then asks to be helped, but when we have already filled and sent it and then there are a few mistakes you normally are very good at asking us to correct the mistakesNow I have corrected the mistakes you have even called the person to ask them a few questions but a message is sent saying that you are not able to activate the form. I was in shock and still am wondering what has happened. It it were the Institute most people have gone to different schools and therefore we can change the Institute: I would really love to know what exactly happens and what one should do. Since I have not had any reply I feel that I should ask again. During the filling of the form is there a time limit in which one should take? I am sure you are aware when one has connected the link of the form to fill this is why we need to be told what to do next. I am the type of person who would even start a fresh form so long as it at the end succeeds. May God bless you as you look into this problem.
    I am asking this again as when one sometimes tries to give a direction becomes a problem as the inner roads do not have street names. I was wondering if you think of how one could draw a map to get to their house. It would be difficult to design but maybe you need to have maps of all the different estates in the Nakuru County with the inner roads showing, this could be requested from the lands offices. This is only a suggestion so that you can be able to explain exactly where one lives if they are inside the estate.Sometimes the plot no. is exactly the place where one lives and therefore the plot no. takes you directly to the house. What do you have to say to this. God Bless

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    • evinpa    Jan 26, 2014

      Hi Sally,

      I saw your comment in the new member update feed on the Zidisha website. I have emailed it to [email protected]. Maybe you will receive some answers.
      You might also ask general questions about the Zidisha process and make suggestions on the Zidisha forum.

      I hope this is helpful.

      Evinpa

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      • Sally    Jan 31, 2014

        Hi Evinpa, thanks for your advice. Hope that all will get better. I normally give comments on bettering Zidisha. The main reason for me to get annoyed about those who we invite was because i was given no reason as to why the person was denied a loan. Okey it is not a must that one gets the loan, all i needed to know is why so that one does not do the same mistake. Maybe I have been doing something wrong when we fill the form with the member as most of them do not fill on their own as they are not so familiar, so I feel so bad when an interested person is not able to get a loan ever. You are aware that when you have denied it means that there is no time when you will be granted the loan, so you miss out. I really appreciate Zidsha and that is why I have tried to invite as many members as possible. God help me to know what is wrong. Was wondering if it could be possible for a form to be returned to the sender with details of what is wrong so that it is rectified and resent. If that is possible then a question like I am asking will not be there as i will have known what i do wrong. Another way is for the mentor to call and ask the member to rectify where ever necessary as the mentor is available and around. I also wish to be a mentor one day but I think I will be a bit different in helping those who want a loan so long as it is honest and transparent I do not think there is anything wrong. God bless you.

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        • evinpa    Feb 4, 2014

          Hi Sally,

          You're welcome. I would really encourage you to write comments such as this in the Zidisha forum. Then many more lenders and Zidisha staff members will see what you have to say. The only way changes will be made is when people speak up about a problem..

          As for as the application process, I have read some info about this on the forum. It is my understanding that if a mistake is made or the application is not complete then the person will have a chance to address the issue.

          I often read that people are asking why they or someone they know are denied. I've read about various reasons, but they don't tell the specific borrower. Yes I have read that if someone is denied, for example,. because someone gave a bad recommendation then they will never be able to apply again.

          Also if someone copies any part of their info or comments on a profile page from another borrower or another place on the Internet the accounts and fundraising loans will be canceled. This is because it is seen as dishonest. All descriptions and comments should be in the person's own words and be truthful about their lives and business.

          I hope this is helpful.
          Evinpa.

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      • Sally    Mar 21, 2014

        Thanks for taking time in reading my comment. I really would like zidisha to consider the persons who are not able to get 10 endorsers as this is real stress. But in the long run, I am appreciating zidisha very much as they have helped alot of business people. I was wondering if at a time later if it would be possible for zidisha to be giving emergency loans as at times you may have a loan and something comes up which needs just a few hundreds to solve ones problem. Could it really be possible. So long as one has reached half way of paying the last loan then one can be eligible for an emergency. Just thinking aloud. God bless

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  • Sally    Jan 2, 2014

    I wish to take this opportunity to wish you a great new Year 2014. in Psalm 78:13 it says, He divided the sea and led them through; He made the water stand firm like a wall, He guided them with the cloud by day and with light from the fire all night, He split the rocks in the desert and gave them water as abundant as the seas. he can do more to you if you let Him lead. He will restore your peace, good health and give you victory. I wish you a health 2014. I want to thank zidisha donor's for them making it possible for me to get a loan as this is enabling me to repay on time. I also want to thank you for the reminder that you send through the phone it is very helpful as one gets to a point to forget and surely with the reminder it is possible for one to be able to either pay or enable on to reschedule. God keep you and help you to continue the good work.

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  • Sally    Dec 10, 2013

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  • Sally    Dec 10, 2013

    Since we have depended on the utility, stability and liquidity of money market funds for some time, we want to express our strong gratitude of a floating as outlined in the Zidisha fund regulations. This action would destroy a fundamental reason why the funds have become the preferred cash management product for tens of millions of person’s from all over the world. As importantly, zidisha would do anything to help achieve the stated regulatory goal of averting significant redemptions during a time of extreme financial stress, a key point raised by so many zidisha applicants.
    Since zidisha is serious about preserving the donor requirements and is also concerned about protecting borrower’s from heavy redemptions should a crisis hit the financial markets, then liquidity gates, provides the only solution. Gating, a temporary restriction of redemptions, maintains a stable value and daily liquidity in all but the most extreme times, creates no tax, accounting or administrative issues and meets both donor’s and borrower’s needs. It does, however, allow for temporary redemption restrictions at the judgment of the donor board to gate the fund and protect all borrowers by trusting them. Zidisha is a successfully tested and used micro financial money loaner that has positive response that makes sense and will preserve the benefits of money market funding.
    Zidisha offers personal trust, for borrower’s and custodial services to individuals. For decades other micro finances have relied on providing liquidity to these types of individuals or institutions through the use of so-called institutional prime money market mutual funds ("prime funds").
    I am aware familiarly with the distinction the Zidisha who has drawn between Loaner and Donar and borrower customersing in categorizing funds. Unfortunately, the new endorsement method does give borrower’s a bit of stress as 6 endorsers are very many, but I personally feel that this is okey as you will only do it once when you start with Zidisha.
    During the process of introducing yourself to Zidisha they must be able to have the direct feeling with what Zidisha is doing for you. In the beginning it seems hard and too much to cope with, but after you get the first loan then finish 100% payment you will enjoy what Zidisha is doing for you to improve you and your business. God bless as you endeavor to continue with Zidisha.

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  • Sally    Nov 17, 2013

    Hi, I want to take this opportunity to really thank you so much for my 2nd loan which I have received. God bless and keep you well. I am scouting for a lap top and will tell you how it goes. I really hope that I will manage to get one although I will have to top up as the cheaper the more of a nuisance it can be as it easily will be breaking down. I really appreciate and am also trying to convince a few others although the problem is the six persons from Face book as most people go to the cyber once a week. I hope that this finds all of you lenders and zidisha in good health and wish to congratulate you for the very big hearts that you have. God will surely look into your direction and always provide for you for the rest of your lives. Thank you so so so much for what you have done for me and my family. God bless.

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  • Sally    Oct 20, 2013

    I find it very interesting how the lenders come out in such numbers to help a person who really wants to expand in business, and also the percentage that each lender is able to give. Congratulations. I was wondering if a borrower was d-activited are they now going to be activated so that they too may be a beneficiary of Zidisha? Most of them are genuine.! My concern is also to Zidisha, Please is it possible for you you to please look into the new system that you decided on 6 members of Face book. Man! those are many, now borrower are a bit discouraged. What would you make out of this. Will it not reduce the number as they feel that six is a large number, I would requests if it were possible for you to agree on least four. Could you look into it please. God bless you as you think positively about it.

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  • Sally    Sep 24, 2013

    My Lenders, I want to thank you for the good work that you are doing for so many business people who are coming up. I was told of a person who was not doing very well her business, she never seemed to get enough stock and customers would always laugh at her as she never seems to have the stock that they want. Someone introduced her to Zidisha and you lenders agreed to listen to her story and she was lent the first loan. She says that customers are now in her shop and enjoying the fruits of Zidisha Lenders. With me, I am doing well and have at least being able to get more customers in designing and printing as I bought stock of papers for biz cards. When you have a variety of papers customers have no choice but to request you to print for them, but before when I had only embossed papers of two variety customers would go and look elsewhere. With variety you are able to give the quality printing that customers want. I hope that my next loan will be able to help me buy an Epson latest printer, I think it is 725 the one I am using is 660 Epson. I hope to be able to print the ATM hard ID cards with the 725 Epson Printer. God bless Zidisha and God Bless Lenders abundantly.

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  • Sally    Sep 22, 2013

    I am enjoying the fruits of the first loan that i received from you and I really appreciate it so much. Now I wish to ask if it is possible to borrow an amount that is much higher than the 100UD amount. If let me say I have a serious problem and would like more than this starting amount like lets say 400UD could it be possible. I could be in a business and I have given you the whole budget and it comes to close to that 400UD and it is impossible for me to top up as the money is not there. When lenders read our stories I really hope that they do consider this and therefore would be stretching a more generous hand to the business person. Otherwise I am so grateful for the kind of heart that you have to be able to do such a gesture to those who need it. I do give my congrats to the person who sat down and literally those to this great network lender to borrower. God bless you abundantly.
    .

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  • Sally    Sep 21, 2013

    Zidisha, I was wondering about when you have endorsed someone. Is there a time limit as sometimes someone when trying to fill the form takes two weeks or more time then asks to be helped, but when we have already filled and sent it and then there are a few mistakes you normally are very good at asking us to correct the mistakes. Now I have corrected the mistakes you have even called the person to ask them a few questions but a message is sent saying that you are not able to activate the form. I was in shock and still am wondering what has happened. It it were the Institute most people have gone to different schools and therefore we can change the Institute: I would really love to know what exactly happens and what one should do. Since I have not had any reply I feel that I should ask again. During the filling of the form is there a time limit in which one should take? I am sure you are aware when one has connected the link of the form to fill this is why we need to be told what to do next. I am the type of person who would even start a fresh form so long as it at the end succeeds. May God bless you as you look into this problem.
    Sometimes when trying to give a direction becomes a problem as the inner roads do not have street names. I was wondering if you think of how one could draw a map to get to their house. It would be difficult to design but maybe you need to have maps of all the different estates in the Nakuru County with the inner roads showing, this could be requested from the lands offices. This is only a suggestion so that you can be able to explain exactly where one lives if they are inside the estate. God Bless.

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  • Sally    Sep 19, 2013

    Here in Nakuru, It has really rained. I really feel so blessed for that rain. Although I do not understand what the new weather is all about.! My thoughts to the Lenders please; What does it mean when one is told "We regret to inform you that your Zidisha account cannot be activated, because we were unable to confirm that your account meets all required criteria for a Zidisha loan" This young man has asked me to request you if the form has a problem with the way the form has been filled. I have gone through it but I do not seem to see the problem, I have requested Zidisha to tell me where to rectify. God bless..

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  • Sally    Sep 15, 2013

    Today is Sunday and I want to ask God to bless each and every lender in Zidisha. God bless you!! As we start to enjoy the benefits of Zidisha money I have thinking a lot and feel that I need to start something else. Okey I had started, keeping rabbits but they died so I thought that I will return them so that I will be running the typesetting and running a rabbit farm. I have the building but will have to renovate them and this is in Elburgon which is about 100km from Nakuru Town. I use fare of 120/- going and 70/ coming back. Will this be okey as where I live i can not be allowed to put rabbits? I already have someone who takes care of the cow and sheep that I have there so I will not be so hard to start. Implementing will be the challenge as buying the grade rabbits is a bit of money, but if I am granted the second loan I will buy one male and two female so that they breed faster. Rabbit is white meat and this is what all of us are being recommended to eat for the betterment of our health. If you will allow me I will venture into that business as I feel it will be more profitable, as later I can entourage the youth in the community to also venture into it and I sell them the grade Rabbits.God bless Zidisha always.

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  • Sally    Sep 12, 2013

    Hi Zidisha, I was just wondering if it were possible for one who has been on face book for some time, but has not opened for a while. When I try to connect to face book it says that one has not been long enough or is not eligible So in short you have to be in face book for quite some time, what is the period for one to be eligible. For the younger business persons they seem not to have interest in going to the cyber as they say it is time wasting, so you find at one time they did open an account but do not continue to browse. For borrowers I would really encourage them to be frequent users of the cyber so that they may be able to gain from micro finances like Zidisha who have helped thousands of people in the world, old and young. God bless them so much.

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  • Sally    Sep 11, 2013

    Lenders, I just want to really ask God to bless you for ever and you should live till after 100 years, why do I say this? Because, there are very few persons who will just sit somewhere in the world and think of helping the less fortunate persons in the community. I deal with special children at times and I always hope that one day I will have the love to give more than I do, but I do not manage as finance is such a headache. But the way I see things for as long as Zidisha Mico finance will be there for us, I will also be able to help others. I do pray to God that one day he will give me the finance so that I can also be a lender at one time. God bless me.

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