Miriam    Oct 18, 2013

Dear Zidisha , Kindly accept my new grace period as am having financial difficulties to repay my loan.the main reason is that am having a student ( my son ) sitting his final exam this year. I was asked by the school to pay the whole amount for him to be allowed to sit for his final exams.

Kindly allow me to have this grace period.

regards
Member Miriam.

Miriam    Jan 15, 2013

I would greatly appreciate it, if you helped me with my quest to create a better future for the children

pentatonicscale    Jan 14, 2013

I'm a teacher at a Christian school in Japan. Glad to support you.

dcembrola    Dec 10, 2012

December 10, 2012

Hello, my name is Dan Cembrola, one of Zidisha’s Kenya Client Relationship Managers. I am currently visiting Zidisha borrowers in Nakuru and its outskirts.

Today I visited Miriam at her school in a neighborhood of Nakuru called Free Area. Free Area is a neighborhood that has grown extensively since the post-election violence of 2007-2008. Thousands of people have relocated to this area after they were forced to leave their homes in the Northern and Western provinces that were greatly effected by the post-election violence.

Though Miriam's school, Joyful Sounds Academy, has been in existence for fifteen years, Miriam has served as principal and chief administrator for the last five years. She assumed control of the school, after her predecessor was forced to take a leave of absence after the post-election violence. Miriam was not trained as a teacher and does not actually teach any classes at Joyful Sounds Academy, but she oversees the day to day operations of the school, its three teachers, and sixty students.
Teaching runs in Miriam's family. Her father is the owner of the land Joyful Sounds Academy occupies and was involved in starting the school fifteen years ago. Miriam's brother owns and manages Bahati Hills Academy, a private secondary school thirty minutes north of Joyful Sounds Academy. Currently, Joyful Sounds Academy has a nursery school and primary school. Upon completion of primary school, students are able to attend Miriam's brother's secondary school.

With her first loan, Miriam made improvements to the school such as repainting, buying new desks, and school supplies. Since the new constitution was ratified by the Kenyan parliament in 2010, all public primary schools are free for children to attend and are sponsored by the government. Private schools, such as Miriam's Joyful Sounds Academy, are considered to offer a higher quality of education however. The improvements that Miriam made with her loan from Zidisha makes the school look more attractive to the community, especially in comparison to the underfunded government schools. For this reason, Miriam is able to charge a higher cost per term for each student.

As Miriam's neighborhood continues to grow, she plans on expanding her school. She also wants to add a playground to the school's property. She beleives that this will attract children in the area to her school. Joyful Sounds Academy has a bright future under Miriam's stewardship. Her connection with Bahati Hills Academy allows the students of Joyful Sounds Academy to have a clear path to complete a private school education through secondary school, making them competitive candidates for entrance to the country's top universities.

Miriam    Sep 6, 2012

i want to thank you for peservialing my past delay in my repyment due to some unavoidable circumstances The holiday has been very taff due to the burning of tuition .All in all we are back again for our third tearm which we believe by God grace every thing will be alright.I wanted to ask wheather it can be possible for me to get my second loan by eary December and if it can be possible how much money iam i supposed to add to my normal repayment all even is it possible for me to evenpay my additional in the mind of the month.

Miriam    Sep 6, 2012

i want to thank you for peservialing my past delay in my repyment due to some unavoidable circumstances The holiday has been very taff due to the burning of tuition .All in all we are back again for our third tearm which we believe by God grace every thing will be alright.I wanted to ask wheather it can be possible for me to get my second loan by eary December and if it can be possible how much money iam i supposed to add to my normal repayment all even is it possible for me to evenpay my additional in the mind of the month.

Miriam    May 29, 2012

we are doing well hoping you do the same .we are now going to our second month of the second tearm and let me just say things are going well despite the shortage of money from our parent who some are having balance of last tearm yet we dont know what to do to them.All in all l still remember my loan will be due on 4th and hope to pay promptly.thank you and God bless you richly.

Miriam    May 29, 2012

we are doing well hoping you do the same .we are now going to our second month of the second tearm and let me just say things are going well despite the shortage of money from our parent who some are having balance of last tearm yet we dont know what to do to them.All in all l still remember my loan will be due on 4th and hope to pay promptly.thank you and God bless you richly.

Miriam    May 14, 2012

lam greatfull for your humble acceptance of my loan payment. we opened our school last week and through your your support of giving me one week in delay of my loan l have been able my bill and mainly paying for the license my God bless you in plenty.l hope you received my payment for may which l sent today?

Miriam    May 14, 2012

lam greatfull for your humble acceptance of my loan payment. we opened our school last week and through your your support of giving me one week in delay of my loan l have been able my bill and mainly paying for the license my God bless you in plenty.l hope you received my payment for may which l sent today?

Miriam    May 14, 2012

lam greatfull for your humble acceptance of my loan payment. we opened our school last week and through your your support of giving me one week in delay of my loan l have been able my bill and mainly paying for the license my God bless you in plenty.l hope you received my payment for may which l sent today?

Miriam    Apr 20, 2012

lam not getting the messege you are saying is in my profile loan page but lgot your messege in my phone which you suched and found you were the one who wrong all in l tried to express the difficuilty lam undergoing but maybe you didnt go me well. lam requesting if you can give me atop up of 15000 in order for me to pay my license which the date will be expering at the end of this month.thank in advance for apositive respond

Miriam    Apr 13, 2012

we closed our school last week and we are now back for tuition and lam thankfull to God because the turn up has been good all in all wish you a blessed moment and God bless you

Miriam    Mar 26, 2012

we are almost ending our term and we thank God for that despite opening our school with glandness and good turn up we have experience some difficuit we have never seen there before because of our parents having difficuit in paying there school fees making the arears too big than never before aii in all we are remaining with two weeks to close and still expect some possitive respond.hope you have been receving my payment update and wish to pay promptly like agreed before. thank you and God bless you.

Admin    Jan 9, 2012

Dear lenders,

We received the following note today from Ms. Mwangi via email:

Happy new year happy new year we have started our year with gladness and God has been so faithfull by returning all our children back and even increasing us speedly l thank the name of the Lord hope you are also doing well