Monica    Jan 15, 2014

Hi lenders happy new year i thank the lord to be in the year 2014.i request you to have a small period to make payment course i have two children in high school and i pay school fees for thirty thousand per child so is to difficult to make my payment this month i request you to give me a period of three month still April . 07 ,2014 thank you understanding my problem may GOD bless you and all zidisha team

sbyun    Sep 10, 2013

Thank you so much Monica for your first payment. I wish you and your family all the best and wish you all the success in your business!

bconrad    Sep 5, 2013

Dear Monica, how has your business been going? Thank you for your first payment! It looks like you are having great success. Best wishes to you and your family!

Monica    Jul 30, 2013

thanks to all lenders for lending me god bless you all

Monica    Jul 26, 2013

i am really greatful to the zidisha community for their continue support and prayers. may God bless you all.

Monica    Jul 26, 2013

i am really greatful to the zidisha community for their continue support and prayers. may God bless you all.

TedEBear    Jul 25, 2013

Monica
I am new to the process of micro-loans. I am surprised how little information I am given about the nature of your business and its current and potential profitability. perhaps you could share a little more information about your sales volume and the cost (to you) of the goods you are selling?
I teach business and help students write business plans. Do you have somebody who helps you write up your business plan for Zidisha?
TedEBear

• Paula    Jul 28, 2013

  Hi Ted,
  
  You may be new to microfinancing, but I am real amazed by your exaggerated expectations. Did you read who Monica is? Then you know that she did not have the possibility to attend secondary school. And I would not expect any high school kid to write a business plan. I hope you are suffering from professional tunnel vision! The underdeveloped world is plagued by analphabetism. Quite a few borrowers did not finish primary school, Of those who do finish primary school, most don't have acces to secondary school by lack of means to pay for it.
  
  As to help in writing businessplans you should realize that such help would not be free. I expect that only for the first loan (of 100 $) expected revenues will be calculated. Once a first loan has been successfully repaid, it becomes an asset on which a bigger loan can be asked for.
  Detailed investigation would be far to expensive for small loans.
  
  Then: a businessplan is not necessary: I have no doubt, that none of the men who came to America at the end of the nineteenth century and made it, wrote a businessplan. They saw the possibility of succes, grabbed that possibility and most of the time got their succes. They just sold for a higher price than they paid for it. That is how business was done. It is only the computerized world who needs businessplans, because it is so easy to find another company selling cheaper. But that is not the level on which Monica is operating her shop.
  
  I recommend the american site www.kiva.org to your attention, I am very excited about it. I will not dwell on it on Monica's page here, but it is very instructive about problems in everyday life in developing and underdeveloped countries in the whole world.
  In the meantime, I wish you lots of fun with your loans. It IS fun and rewarding to see how people are able to improve their lives with a little financial help, and letting them do it their way. It makes me happy.
  
  Hi Monica,
  I apologise for the long text directed at Ted. I wish you lots of luck with your business.I hope that many customers may find the way to your place, and that you and your family stay in good health!

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Monica    Jul 23, 2013

THANK YOU ALL FOR YOUR CONTRIBUTION AND SUPPORT. GOD BLESS YOU ALL.

Monica    Jan 30, 2013

hi lenders i have a small problem to pay my loan this month my business is very low this month i request u give me a small chance to prepare my business thank for thank for giving that chance may god bless u please help me to continue paying this loan i wish u will change my repayment month so that i will the date chose im sure i will pay my loan without delay thank so much god bless you

Monica    Jul 7, 2012

zidisha and its lenders are truly a blessing, hope the good job will continue. thank you to all the lenders.

Monica    Jul 5, 2012

Thanks again lenders for your continued support. may God bless you all abundantly.

Monica    Jun 29, 2012

The day was very good i have work as my will.My prayer to the lenders,by funding my business.it will uplift my family host by husband followed by children.

Monica    Jun 29, 2012

It is my great prayer that you will continue funding me since I need the loan which will boost my business and at the same time will increase the number of my customers. For you have funded me may God bless you and to you whom are intending to fund me God bless you too.

Monica    Jun 26, 2012

many thanks to the zidisha family for the great job they are doing. it will go a long way in ensuring that there is poverty eradication. continue with the great work.
my work is going on very well and the loan will go a long way in boosting it.

Monica    Jun 25, 2012

Hi Benecte Monroe for your fund.I promise to fulfill the promise.God bless you.

Monica    Jun 18, 2012

hay lenders ,i m well doing my job by selling good to my customers.This season is fuggy and mist,many people used to buy sugar in large quantity.