Buy 2 computers to add to my cybercafe business

Job    May 12, 2023

I have stated again after loosing my business..

But letting me pay small amounts. Thank way is a great support to me to able to repay and start up again.

Job    Dec 16, 2022

I had lost all my business. I have started again. Since it is my obligation pay the loan despite the long it has taken I want to try pay small amounts till I finish to get back good books

Job    Apr 22, 2022

After loosing everything, I have started a business again. I hope through this I will be able to pay my loan after long time and get my credit score back. And be able to borrow again.
This what I can be able to pay per instalment

Job    Jan 25, 2022

I need help with this loan. I need to start a fresh. Someone come for help please.

Job    Nov 22, 2021

Kindly am not able to repay this loan. I aha not job nor any business. Am struggling to make ends meet. Lenders please if you can waive the loan and allow me to have a new beginning. To build up my self. Thank you for your understanding.

Looking forward for your response

Job    Jun 17, 2021

I lost my business, in short everything. Am trying to start up again. I will be paying this amount till I finish this loan and get another to continue with my new business

Job    Oct 11, 2015

am financialy down now

Job    Jul 27, 2015

please at the moment am finaciary down. will increase it later once i get financiary stale

Job    Feb 24, 2015

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Job    Nov 14, 2014

Hello zidisha, thanks for this opportunity to have our business griw to anotyer level. At tge moment my business is nit doing well gence being ginancial unstable.

Please obce I become stable I will increase my weekly install ments.
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Job    Sep 20, 2014

i would like to push the repayments to next week.xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

Job    Aug 6, 2014

Dear lenders, i would love to request in paying less for the next one week as i will update my repayments..
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Svenip    Jul 31, 2014

Hello Job, I see that you are VM for Said Kabwere. He has missed several repayments. Could you please check into this? Many thanks in advance!

DavidHenning    Jul 23, 2014

Dear all,

I met Job Nyachwaya in the middle of Kisii last thursday. We each took a bodaboda (motorcycle taxi) through the busy streets of Kisii, where cars, people, bodabodas, and bicycles were all trying to get to their destination as quickly as possible. After a short ride we arrived at the location of one of his many businesses. He has employed one of his friends, who happily greeted me upon entry. After a short stay, Job and I were trying to find a quiet café to sit and talk, but we soon realized that it would be difficult and settled for a small kiosk right next to the street, not quiet, but at least we could sit.

“So why did you start a movie shop?” I asked him as soon as we sat down. “Well, it did not start with a movie shop.” He begins. After going to bible school (the wish of his father) and doing a couple of courses in computer science, Job decided to pursue a degree in Human Resource Management, which he successfully finished in 2010. Like many other young graduates in Kenya he found it impossible to find a stable and secure job upon graduation. He did a few small jobs here and there, but nothing proved to last. After getting tired and annoyed of all the disappointments he opened a cybercafé with his savings and a bit of support from his dad. In the beginning it went really well. There was high demand for his services and so money was flowing in. After a while however, two of his computers broke down causing a big drop in his earnings as customers were dissatisfied with his services and went to other cafés. With his second Zidisha loan he managed to buy two new and reliable computers, which brought his customers back and boosted his revenues (from 15 to 60 USD a day). Soon after competitors started copying his idea and opened cybercafés close to his, resulting in fewer customers. In addition, due to greater demand for the rooms, the rent for his stall also increased. Together these events crushed his profits.

A good friend of Job went to the US, leaving his car under Jobs supervision. Job started using it as a taxi and discovered that it was very profitable. Thus, when the friend came back and demanded his car, Job decided to buy one of his own. He has now two people employed, who drive on shifts, and it has proven to be consistently profitable.

With the money he got from selling his cybercafé, though he only sold two of his eight computers, he opened the business I visited, a movie shop. It is located slightly outside Kisii center, right next to the university. “That was the key” Job tells me. Being located right next to the university, making it convenient to pass by after class, gave him a ready market leading consistent earnings.

Job experienced the importance of connections when a friend, he got to know through doing small jobs, at one point came up to him and informed him about an available sales position with Solar Delight, a big solar light company. After a few interviews he got the job and is now officially employed as a sales person. Through his two businesses and his position as a sales person he gets an approximate average salary of 685 USD a month, “however, it varies a lot, in a good month the car alone could bring in 60.000 Kenyan shillings (685 USD)” Job says. Despite this great leap, Job is not yet satisfied. With his six computers remaining from his former cyber he is now currently opening another one in Nyamira, a town close to Kisii. The rent here is lower and there a few other cybercafés, thus he hopes it will become more profitable.

I am sitting there, almost with an open mouth, trying to keep track of all the things he keeps doing, however, he still is not done. “I really like community work” he says, and tells me how he and his family therefore took up two orphans to their home. Some of his profits are always being sent there to support the two children. His love for community work is also the reason why he took the opportunity to become a Volunteer Mentor (a client who volunteers to help other clients), which both requires time and effort.

“How do you keep track of everything?” I ask him. “My studies gave me a lot of skills, which I keep on using now. And apart from that, I don’t know. I just, do.” He answers with a smile.

David Henning,
Client Relationship Manager, Kenya

1. Jobs movie shop from outside
2. Job (to the right) and his employed friend inside the movie shop

Alex    Jul 17, 2014

Hi Job, am Alex.i submitted my zidisha details but have been declined.what can i rectify pliz

Divican    Jul 12, 2014

Please Job am also Vm for Zidisha but as I can see Your repayments are very low.
Thanks Job Nyanwaya.

Job    Jul 10, 2014

please i would like to reschedule my loan to start paying as from next week. currentry my business is not doing well. thanks for your understanding.xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

Job    Jun 13, 2014

I am am financially down and my business not doing well at this momemnt. wouldlove to to thisthis per week and will get back as soon as my business start to bring in as usual.xxxxxxxxxxxxxxxxxxx
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Divinah    Jun 9, 2014

Hello THIS IS DIVINAH NYABERI, I HAVE APPLIED FOR ZIDISHA BUT UP TO NOW THEY HAVE NOT CONSIDERED MY REQUEST AND I WISH TO BE AMONG YOU PLEASE DO SOMETHING FOR ME.

Fridah    Jun 2, 2014

job please for your kindness confirm me