Moses

Mirangini Village, Kenya

100% repaid

Entrepreneur

Name

Moses

Member since

August 2012

On-time repayments

45 installments  •  22%

About Me

my name is moses ndirangu huine of age 22. i am a young man, single, am the third born in a family of 5 children. i am a professional in plants disease/species research. i do farming business and mostly i farm cabbages in my large farm scale that is located in mirangini, plot No. 63. i grow cabbages for commercial purposes and i take them to large markets like nakuru town market and nairobi also when the harvest is great. i hire a lorry to do easy transport. i am always contented by my earnings (i manage to get maximum profit) after deducting all my expenses, that is: land preparation, cultivation, weeding, irrigation, pesticide, labourors transport and all others.

My Business

i am the most developed and well known cabbage farmer in mirangini location. am very okay with the business because it provides me with my daily needs and also enough savings. my products are in demand because i transport them to large markets like nakuru town and also to Nairobi when the demand is high. i also do local sales to my neighbors and retailers. my products are of high quality and also well grown with knowledge and treated against disease and hence high demand rises and most people prefer my products. just to estimate, one single harvest manage to give me around 50,000 ksh profit. i manage to plant the cabbages in 2 seasons a year, that is: January to April and finally July to November and December where the demand is very high in deed. i like cabbage farming because the crop doesent trake too long to mature, it takes only 3-4 months and its ready for market.

Loan Proposal

i will use this second loan to expand my m-pesa business.i am planning to open another shop in a different place as part of my expansion.i am needing 100000ksh but the good thing is that with your second support i will add the rest and i am going to open another m-pesa.i will also add new stocks of accessories for the new shop as this would also attract customers.i really thank you in advance for your human support.

Feedback

2

None

None



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Loan Info

Project Type

Classic Loan

Disbursed amount

$813.00

Date disbursed

Jun 2, 2013

Repayment status

On Time

Projected term

14 months

Lenders

investor

Candiac, Canada

P

Philippe

Adliswil, Switzerland

A

anonymus

Moon, United States

P

PascalC

Leuven, Belgium

russell

leicester, United Kingdom

T

tonilends

catalonia is not:, Spain

W

Walker

San Antonio, Tx, United States

mewesten

Waynesboro, United States

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  • Samuel    Mar 25, 2014

    I am a VM. I phoned Moses today at 9.16am. He wont pick my calls. I've never called his number before so i suspect he is not picking new numbers. Minutes after calling Moses, he calls me with another number. He listens to find out who was calling him. On discovering am a new caller, he now switches off his phone. He is unreachable minutes later on both his original & new number. His community leader's contact is not working also. I believe he is avoiding contact.

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    • CZC    Mar 25, 2014

      Mr. Shehi,

      Thank you for checking up on him too. I suspected he was avoiding contact.

      No matter what the problem with a borrower's ability to repay a loan, communication is essential. When there is no repayment and no communication, I view it as cowardly behavior of someone with no shame.

      Sorry to be so brutal in my assessment, but actions speak louder than words, don't you think?

      Cris

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  • CZC    Feb 19, 2014

    Moses,

    Your lenders would appreciate an update from you. We do not understand why you are $348 in arrears and have not informed us of the reason why.

    If you are having problems, we'd like to know. After 2 previous failed attempts at eliciting a response, I view this lack of communication and payment as a sign of disrespect on your part.

    Cris

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  • CZC    Feb 8, 2014

    Moses,

    I see you just made a miniscule payment. I appreciate that, but would like to know when you'll be making a more substantial payment. You are $348 in arrears and the lack of communication with your lenders is very frustrating.

    Cris

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  • CZC    Jan 22, 2014

    Hi Moses, how are things going for you? How's your business? I was wondering when you'd be able to make a substantial payment. Please keep your lenders informed. When we are aware of any problems we are much more accommodating.

    Thanks,
    Cris

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  • Moses    Dec 7, 2013

    the reason for this change is because i am currently in need of a huge float in my m-pesa business of which i currently have with the recent support that you offered me.i am having a conducive and comfortable environment as i am able to serve customers of huge amount as i have access with you recently money plus the rest that i had.in addition there is a good flow of accessories and phones therefore i have added more stock.thank you in advance!

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  • Moses    Nov 17, 2013

    i take this golden chance to really thank all dear lenders who supported me till my loan was fully funded.i was able to buy a laptop and i added an extra float in my account as i hah said.thanks again and again for your great support lenders.keep it up and you will forever be blessed by the almighty God.nice time forever.

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    • Tavin    Nov 23, 2013

      Glad to hear things are working out well for you. I think of you often, as you were my first Zidisha loan. Your prompt repyment has meant I have been able to fund many more loans. I wish you continued success!

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      • Moses    Dec 7, 2013

        thank you a lot tavin,you are such a blessing.keep it up

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  • Moses    Oct 30, 2013

    thank you again

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  • Moses    Oct 28, 2013

    thanks

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  • Moses    Oct 27, 2013

    God bless you for your continued support dear lenders

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  • Moses    Oct 22, 2013

    be blessed for your support

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  • Moses    Oct 20, 2013

    thank you again

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  • Moses    Oct 20, 2013

    thank you again

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  • Moses    Oct 19, 2013

    thanks lenders

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  • mewesten    Oct 5, 2013

    Dear Moses Ndirangu,
    Sorry to hear about your financial shortcomings. I'm sure you will sort out the issues with your M-Pesa business and resume payments whenever you can.
    Best wishes,
    Marvin

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    • Moses    Oct 15, 2013

      thanks alot mewestern for your concern,i am very hopeful that God will help me and my business will grow big

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    • Moses    Oct 15, 2013

      thanks alot mewestern for your concern,i am very hopeful that God will help me and my business will grow big

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  • Moses    Oct 5, 2013

    my main reason for changing this schedule is due to some financial problems that i encountered recently.i happened to open another m pesa branch in another area and this has caused me to use a lot of cash such as...buying the new line,feeding the line with float,paying revenue and so on.i will therefore be grateful if you accept the reschedule,thanks in advance.

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  • Moses    Sep 26, 2013

    hae jkurnia,what did you mean by test

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  • Moses    Jul 19, 2013

    good morning.it my pleasure this morning to congratulate each an every lender for the uplifting of many lives all over the world.i have to assure you that the hearts of many like me are over joyed and praying for zidisha.each an every support you offer is a blessing and a great achievement is incurred after the support.i really wish that God always see you good deeds and he reward you unlimitedly with your daily work.be blessed forever and ever dear ones and have a marvelous week.

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  • Moses    Jul 19, 2013

    good morning.it my pleasure this morning to congratulate each an every lender for the uplifting of many lives all over the world.i have to assure you that the hearts of many like me are over joyed and praying for zidisha.each an every support you offer is a blessing and a great achievement is incurred after the support.i really wish that God always see you good deeds and he reward you unlimitedly with your daily work.be blessed forever and ever dear ones and have a marvelous week.

    Log in to reply • Share
  • Moses    Jul 19, 2013

    good morning.it my pleasure this morning to congratulate each an every lender for the uplifting of many lives all over the world.i have to assure you that the hearts of many like me are over joyed and praying for zidisha.each an every support you offer is a blessing and a great achievement is incurred after the support.i really wish that God always see you good deeds and he reward you unlimitedly with your daily work.be blessed forever and ever dear ones and have a marvelous week.

    Log in to reply • Share
  • Moses    Jul 19, 2013

    good morning.it my pleasure this morning to congratulate each an every lender for the uplifting of many lives all over the world.i have to assure you that the hearts of many like me are over joyed and praying for zidisha.each an every support you offer is a blessing and a great achievement is incurred after the support.i really wish that God always see you good deeds and he reward you unlimitedly with your daily work.be blessed forever and ever dear ones and have a marvelous week.

    Log in to reply • Share


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