Kitty    Mar 9, 2014

Thank you for your payment, I hope things are going better for you

Nicera    Dec 11, 2013

Good evening,
i kindly request for the extension of my repayment period so that my loan cannot read past due since i have faced many challenges and i can now be able to raise an installment of ksh 4,000per month on every 30th of every month, i have a plan to be paying ksh 2,000 on the 6th of every month and on 30th i pay ksh 2,000 which i have been doing and it is working well with me, in case i get more cash i can increase but kindly zidisha team i request you to reschedule my loan so that i can feel okay.

i promise not to fail you and just make my loan new by restructuring so that i don't read on the defaulters list. my lenders i appreciate your patience with me and i promise to keep to the promise.
My sister has been sick and i have been struggling with hospital bills, last year i also lost a sister and it really cost me with bills.
thank you.

• Hope2012    Dec 11, 2013

  Hello mrs Mugo, I am very saddened to hear of your sister. Thanks for your update, the new arrangement is fine by me. Best wishes

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John    Nov 28, 2013

hi lenders,my name is john and a volunteer mentor .i tried to communicate with NICERA today but i did not mange to find her online .i will keep trying an till i find him in order to remind her of her arrears and to encourage her to pay little by little.i will keep you informed as soon as i get in contact with her
thank you
john

bconrad    Nov 6, 2013

Dear Lenders,

My name is Bayle and I am a Country Liaison Intern with Zidisha. I communicated with Nicera today, encouraging her to continue making payments whenever she is able. She is very aware of her arrears, and has been doing a great job of paying what she can monthly, as she can no longer reschedule her loan.

Nicera, we very much appreciate your contact with us and dedication to making monthly payments!

analinjsaturria    Sep 15, 2013

Dear lenders,

Nicera has resumed repayments this past week. She's in contact with us and we are working with her in ensuring she can repay her loan in accordance to her current financial situation.

Nicera    Sep 10, 2013

THANK YOU VERY MUCH TO MY LENDERS, I AM BACK AGAIN AFTER A LONG TIME, I HAVE NOT BEEN ACCESSING INTERNET DUE TO SOME FEW CHALLENGES, I HAD FORGOTTEN MY PASSWORD AND I HAVE GONE THROUGH STRUGGLES TO BE BACK, NEVERTHELESS TO MY LENDERS I REALLY APPRECIATE YOU FOR BEING REALLY PATIENT WITH ME, I AM NOT TELLING STORIES BUT THIS IS REALITY, I CHANGED BUSINESS AND ALSO RELOCATED AND I SEEK FOR RESCHEDULE OF MY LOAN TO BE ABLE TO PAY MY LENDERS INTEREST RATE WHICH HAS ACCRUED THE TIME HAVE DELAYED WITH FUNDS, I PROMISE TO CONTINUE MAKING PAYMENTS AS I GET FUNDS AND I WILL BE ABLE TO CLEAR AND GET MORE FUNDS, MAY GOD SEE ZIDISHA AND THE TEAM THROUGH FOR SUPPORTING US GREATLY, I PROMISE THAT I DO WHAT I CAN TO CLEAR MY BALANCE AND BORROW AGAIN.
THANK YOU.

Nicera    Mar 5, 2013

hello zidisha team and my dear lenders, i am very grateful for financing my business, kindly i will make my payment on 18th march as i have earlier expressed the challenges am facing, i am almost recovering from the hit
i got around November and am sorry for any inconveniences caused. you are great people to me may God bless you.
thank you.

• Hope2012    Mar 5, 2013

  That's fine, you are doing really well to make these payments in the light of the challenges you have faced and I do appreciate that.

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Nicera    Feb 9, 2013

hallo my lenders, i am writing to apologize for the delay of my loan installment for this month, i had communicated over the same and requested to be allowed to deposit the payment on 18th Feb since i have been having financial challenges but from next month i will be paying on time since have put strategies in place to ensure that i don't inconvenience my lenders. you are good to me i really appreciate zidisha and the team , the loan you gave me moved me and my business greatly and also my family, you are doing great job to alleviate poverty and your trust to the borrowers is amazing and only God can reward. may the good lord bless and you get more finances to continue making finances accessible to people without going through may processes. thank you.

• Hope2012    Feb 9, 2013

  That's no problem with me and I'm very glad to hear that the loan as helped. Best wishes

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• Hope2012    Feb 9, 2013

  That's no problem with me and I'm very glad to hear that the loan has helped. Best wishes

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Nicera    Jan 19, 2013

good afternoon my lenders and zidisha team,
i apologize for delayed payments and i paid ksh 3,000 yesterday, i was inconvenienced by a person i lend money and has not paid me back but by Wednesday date 23rd jan i will have settled january instalment and put some February installment.
thank you.

malcolm D    Nov 7, 2012

Hello, I'm awfully sorry to hear that your sister is in hospital. My wife and I wish her good health, and total recovery from her ailment.

Missing a payment is not a big deal for us.

best wishes,

Malcolm

Nicera    Nov 7, 2012

i kindly request to reschedule my loan for two months grace period to pay on 7th January due to some problem where i had a sick sister who had been admitted in hospital for two months and passed on on 22nd October and we buried her on 30th November. i was the main fundraiser to clear the hospital bill of ksh 40,000 and burial cost of 25,000. this forced me to dig more funds from my business but January i will resume to pay. sorry for inconveniences caused to my lenders. thank-you.

• Hope2012    Nov 7, 2012

  That's absolutely no problem and I'm very sorry for your loss.

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Nicera    Oct 6, 2012

how are you my lenders and zidisha team, am very grateful for you wonderful organization which has greatly helped me to access credit without tangible collateral,personally the loan has been of great help to my business and family, sincerely i don't have words to express my sincere gratitude s . may you have the heart to really help people transform their lives through your loans with attractive terms and conditions. with you i will move miles and please lets make sure we are faithful as we borrow so that zidisha can help us raise to higher standards and grounds. am so happy and glad with what zidisha is doing. i kindly ask zidisha team to come up with other special products like booster loans,top up loans and other emergency loans to be able to meet the today's demands.

Nicera    Aug 8, 2012

AM VERY GRATEFUL TO ZIDISHA TEAM AND MY LENDERS, THE LOAN HAS REALLY HELPED ME . MAY GOD BLESS YOU MIGHTILY.

Nicera    Aug 8, 2012

i kindly request for addition of two months grace period due to the fact that my business has gone down ,
i will be able to start paying on 7th October since i have done a lot of investing which i will be able to get funds to pay . i am very sorry for inconveniences that i may have caused. i am grateful for the loan since it has really helped me. i also thank my lenders. thank you

• Hope2012    Aug 8, 2012

  That's no problem for me, stay well and I hope business picks up soon, all the best

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Nicera    Jun 20, 2012

good evening, i really take this opportunity to thank all those contributed to funding of my loan, seriously you really touched my life and the life of my family members by funding my business. surely may the good lord bless you. really zidisha is doing a good work by making funds available to business people without complications . lets remain faithfully so that we can promote zidisha as they help to empower us economically.

malcolm D    Jun 6, 2012

Hello; we're very happy to hear that your loan was successfully financed! Best wishes for your continued success.

Malcolm and Tommi

• Nicera    Jun 20, 2012

  thanks very much for funding my loan. may God bless you .
  really i was down when i realized the time was expiring without it being fully funded but believe you me i prayed for it. and it was successfully funded thank you.

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Nicera    Jun 4, 2012

HI ZIDISHA TEAM
First I thank all those lenders who participated in funding my bids.Since its my first loan,I didn't understand the importance of comments but now i'm okay.I hope to know more about zidisha while repaying my loan

• Hope2012    Jun 4, 2012

  Hello from England I wish you all the best with your business and what a beautiful child! :) best wishes x

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  • Nicera    Jun 20, 2012

    hello.,i am very grateful for funding my loan, the loan has really helped me and i thank the lord for zidisha, good evening

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