Hope2012    Nov 21, 2015

Thanks for your November repayments :)

Ruth    Feb 24, 2015

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Ruth    Feb 3, 2015

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Ruth    Nov 12, 2014

Am financial down. Have been going through financial dificulties.xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxx

Ruth    Sep 22, 2014

would like to push my repayments for one week ahead.xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx
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Ruth    Sep 5, 2014

Please am nit doing well financially. Will like to push my repayments to next week. Xxxxxxxxxxxxxxxxxxxxxx
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Job    Aug 27, 2014

dear lenders, just talked to ruth omwenga, she said that she will be making payments. next week. i will be updating u next week once i talk to her again

Ruth    Jul 30, 2014

Dear lenders, would like to push my repayments a head for one more week then I resume payments.xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx
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Simon    Jul 23, 2014

DavidHenning    Jul 21, 2014

Dear all,

I had the pleasure of meeting Ruth Omwenga this Wednesday. We met in Kisii town and went to a café that was overlooking one of the main roundabouts in Kisii. I started asking her how she was doing and how the business was doing. She replied “I’m fine, but the business does not exist right now.” You must be as surprised as I was at the moment.

With her first Zidisha loan Ruth managed to acquire a small stall in Kisii, which she used to open her cloth-selling business. Business was not great in the beginning, but slowly it was picking up and going better and better. With each of her consecutive loans she stocked up her supply of cloth to ensure that the business was running smoothly and she also increased the diversity of her inventory. In addition, with her last loan she moved to a bigger room, which attracted more costumers. The business was going so well that she was even able to hire an employee, leaving her space to concentrate on her studies. With her business she managed to both support her family and fulfill her dream of studying nursing. Her parents are unemployed, they have a small farm, from which they get food and a little bit of money, but that is by far not enough to pay the exorbitant school and university fees for their children. Therefore Ruth is now, in addition to her own fees, paying the school fees for 3 of her younger siblings.

The situation was not always so positive, before she opened her business Ruth was walking around from student hostel to student hostel selling clothes wherever possible. The money however, was poor. It barely got her through the day, definitely not being enough to pay the university fees and also not leaving anything to support her younger siblings. The situation was difficult. When hearing of Zidisha through a friend, Ruth saw a chance to change her life and, being the entrepreneurial and hard-working young woman she is, she grabbed it. Looking back, she says: “Zidisha really helped me, it changed everything.”

At the moment, however, the business does no longer exist. Facing her final exams Ruth simply did not have the time to deal with her business. In addition, and more importantly, she needed the money she usually uses to purchase her stock to pay the fees for her younger brothers. Therefore, there is just no stock to sell right now. “How do you want to pay back your loan then?!” I ask her anxiously. “Oh, that will be fine. There are few small jobs I can take up here and there, which will give me enough money to pay it back. I needed to reschedule though, to make the amount manageable.” She replies. I nod to show my understanding. “However, what will happen after you finish your exams?” She replies that she will go back to her business, and ensures me that it will be even better after the exams than it has been before. She would then have both the time and energy to fully commit herself to the business. “But don’t you want to work as a nurse?” I interrupt. “Of course I want to work as a nurse, but nurses don’t get paid very well here, so a small business on the side would be helpful. Also, I probably will not get a position immediately, it will take some time, and therefore it will be good to have something that can keep me going.” She replies.

For some people microcredit loans merely help them do things faster. For others, it does not really improve their situation. But for many, it can be the step from one dire to situation to new, much brighter, circumstances. It is always a pleasure to encounter the last group.

David Henning,
Client Relationship Manager, Kenya

Ruth    Jul 15, 2014

Dear lenders, please I would love to reschedule my loans to next week. I have been having family issues and I currentry have no bussiness. Looking for a new place start up again. I will be paying my koan from another source whike my business grows. Thanks for ur understanding.xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx
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Kwamboka    Jul 6, 2014

hi Ruth i understand that you are my volunteer mentor and would like to keep in touch with you.thanks

Pavane    Jul 4, 2014

Hello Ruth,
You are VM to Simon Omari. He is late with his repayments, will you please check on him?
Regards, Pavane

Ruth    Jun 30, 2014

Dear lenders. My busines is down as i have been out due to family problesms. But as soon as i resume will do my repayments.xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx
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Ruth    Jun 9, 2014

dear lenders, i am financialy down and would like to continue with my repayments as from next week please.xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx
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SvenWaage    May 24, 2014

I wish you success in your venture.

Ruth    May 19, 2014

i would love to start paying my loans as from next week. my business has not been doing well for the last three weeks. thanks for your understanding.xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

Wilberforce    May 17, 2014

This is Willberforce oyiengo, i understand that you are my volunteer mentor on zidisha but we have never communicated. i just want to let you know that i got the first loan which really boosted my business and i have managed to pay over 40% by now, thank you for being may mentor.

Roberta    May 9, 2014

I am most grateful for the loan that I received with much pleasure. I have fitted out the stools and I am collecting them before 15th of May 2014. With new students expected to be report I hope that we are not going to experience the constraints we have been facing. I shall be pleased to start my repayment5 from the 2oth May and there after every Friday of the following 4 weeks before I graduate to the next level. Thanks for understanding.

Jane    May 8, 2014

how do i get to know if i qualified to get a loan with Zidisha?