traciyoshiyama    Feb 12, 2013

Dear lenders,

My name is Traci Yoshiyama and I am Zidisha's Client Relationship Manager in Kenya.

Gilbert has started working as a motorbike driver again, but has not been able to use his own bike. Unfortunately it has broken down completely, beyond repair. He is currently using someone else's bike. Work is slow, but he continues, for finding work as a casual laborer in Githunguri is even slower.

Gilbert was able to give me a lift to visit another borrower last week and I am happy to now know that when I go to Githunguri I have a driver I can count on.

Gilbert    Nov 15, 2012

hey zidisha,the reasons why i want to reschedule is because my motorbike broke down completely and now with no other source of income it becomes hard for me,reason being i am dealing with constraction works where i work as a casual labourer and earns four hundreds shillings which are only enough for my living.I need more time to try whether i can safe little money from my savings because i have been searching for a customer to sell my motorbike without success.i am trying all i can to pay back the money although life is really hard on me.i propose a two months grace period.

traciyoshiyama    Sep 15, 2012

September 10, 2012

Hello, my name is Traci Yoshiyama, Zidisha’s Kenya Client Relationship Manager. I am currently visiting Zidisha borrowers in and around Nairobi.

As I sit with Gilbert Githua in his apartment in Githunguri, a look of anguish washes over his face. Enduring recent mechanical problems with his motorbike, Gilbert has been unable to maintain his business as a boda boda driver. Although he is able to take odd jobs assisting at construction sites in Utawala, the instability of income has taken a toll on his finances. With the responsibilities of paying for rent, school fees, food for his family (one son and a baby on the way), and bike repairs, Gilbert was unable to make his first monthly installment. And although his bike has been returned from the shop, engine problems still persist. Without the money to pay for repairs, Gilbert’s bike cannot be used for business.

Although he is a man with a heavy heart, Gilbert still holds onto a lot of hope. His wife is currently taking training courses at a local salon. When finished, she will aspire to get a job as a hairdresser and when enough money is saved, open a salon of her own. With patience and careful saving, Gilbert is confident that with time, he will be able to pay back his loan. I wish you and your family the best, and I thank you for welcoming me into your home.

traciyoshiyama    Sep 9, 2012

Dear lenders,
Tomorrow, September 10, I will be visiting Mr. Githua in Githunguri! If you would like me to pass along any messages to him, please feel free to leave a comment on his profile. I look forward to hearing from you!

Best,
Traci Yoshiyama
Kenya Client Relationship Manager

Gilbert    Aug 28, 2012

First and foremost is to say i am sorry for delayed agreement, but i know you are going to understand my problems but all the same thanks for everything.the reason of reschedule is because my motorbike that i bought broke down,so am proposing a grace period of 2 months to start the repayments.i apologize 4 the delayed payment.within the two months time i will be stable thank you very much .please i will be glad, it is not my wish to delay my payments .i am really willing but due to mechanical problem i have with my motor bike i have decided for a grace period of two months time.God bless you.

Gilbert    Jul 20, 2012

hey zidisha am gilbert and iwant to coment on the loan you gave me.i apologize for being late in refunding reason being my bike broke down and still in garage.the problem is its the only source of income i have.please bear with me god bless you.

• Eliduc    Jul 22, 2012

  Hello Gilbert, I hope they will fix your bike as soon as possible so you can continue with your business. Have you thought about making a reschedule of your loan? I think it would be possible to lower your repayments or make grace period longer (or something like that). The status of your loan will not be "paid late" but "paid late (rescheduled)" which will be better for your next application (in case you woul like to have another loan). All the best!

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• Hope2012    Jul 24, 2012

  That's ok I had same problem once when the car broke down hope you can get it fixed soon best wishes

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Gilbert    May 9, 2012

Dear Lenders thanks very much for the loan I received all my money and bought a better motor cycle at a cost of Ksh 50000 which is now easy to maintain. I am yet to dispose my old bike but will sell it as soon as i get a good offer. My transport business is running smoothly and this was possible through your generous contributions towards my loan thanks a million and to you Hope2012 thanks for having confident in me and I look to pay my loan to the last cent as agreed.

Hope2012    May 2, 2012

Best wishes for your health family and of course your business . I have every confidence in you

Gilbert    Apr 17, 2012

Thanks very much for funding my loan

Gilbert    Apr 14, 2012

Thanks Benedicte and Straetman for biding my loan my God always bless you and you family for your kindness.