Josephine    Feb 28, 2013

Hello, my friends.
Thanks for trusting me and therefore funding my loan. I will now settle down to bussines imediately and will keep you updated on my progress
Best regards to all.

Josephine    Feb 28, 2013

Hello, my friends.
Thanks for trusting me and therefore funding my loan. I will now settle down to bussines imediately and will keep you updated on my progress
Best regards to all.

nkalina    Feb 22, 2013

Congratulations on being funded. I hope the additional business is as profitable as you envisioned.

Best wishes to you Josephine. It takes a lot to make our dreams come true. I know. I am a life coach and help clients all the time. Good for you for not letting little setbacks stop you from reaching your dream. Better yet for not stopping once you reached your dream. There are always new dreams. Keep going! I believe in you!

Eliduc    Feb 11, 2013

Dear Josephine,
considering your last repayment you probably wanted to pay your loan completely. But although your loan is marked as 100% paid, you still have to pay 0,25 USD (Your loan was 1006 USD, you have paid 1005,75 USD). Then your loan will be completed and you will be able to apply for another loan.
All the best!

• Josephine    Feb 16, 2013

  Hello, Eliduc,
  On 15th Feb 2013, I paid the 0.25 USD which translates to Ksh. 21.25 at the current exchange rate of Ksh. 85 per USD. Pliz confirm and update my loan status.
  Regards.

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  • Eliduc    Feb 16, 2013

    Dear Josephine, I am very sorry for my mistake - it was 0.80 USD. Now I can see the amount due is 1,006,55 and you have paid 1,005.75. Those 0.25 have not been probably processed yet. If you have already paid it, 0.55 will be missing.

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dcembrola    Dec 12, 2012

December 12, 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 met with Josephine in Kahuo, a small village 25 kilometers north of Nakuru. Kahuo is a small agricultural village and is also Josephine's birthplace. She now lives in Nakuru where she is a primary school teacher, teaching English, Swahili, and mathematics. However, she still is very interested in business and maintains a poultry business in Kahuo.

Josephine used to raise a breed of chickens that are locally referred to as "broilers." She found that it was too costly to maintain them and purchase the type of feeds they require. To rectify this problem, she decided to use a portion of her loan from Zidisha to invest in 150 chickens that are of a breed that is indigenous to Kenya.

From the 150 chickens, Josephine was able to get around two trays of eggs per day. There are thirty eggs per tray, this is the method in which eggs are sold in the local markets here. Josephine sells each tray for 450 Kenyan Schillings. An income of 900 schillings today is very good in this region of Kenya, especially considering that Josephine is also employed as a teacher.

Unfortunately, Josephine suffered a setback when nearly two thirds of her chickens died due to Newcastle disease. This is an all too common problem among poultry farms in Kenya. Josephine was able to replace the chickens she had lost and has had the new chicks vaccinated against Newcastle disease. Her business is now once again operating at its previous strength. She also occasionally sells her chickens to local butchers where she makes 800 schillings per rooster and 600 schillings per hen.

In addition to purchasing chickens with her loan, Josephine also purchased four sheep. Once each sheep has given birth to a lamb, she will sell each adult sheep for a profit of 1,500 schillings per sheep. She will then raise the lambs until they older enough to give birth, and repeat the process.

Finally, Josephine also maintains a one acre farm where she grows maize. This is also where her chicken and sheep are located. She employs one local farmhand to take care of the day to day maintenance. With her next loan, Josephine plans to invest in the expansion of her poultry and sheep business as well as her farm.

KyRoamer    May 3, 2012

Congratulations on being funded. I hope the additional business is as profitable as you envisioned.

SallyElephant    Apr 25, 2012

Hi Josephine. Good luck with the expansion of your business. Sally (from Australia)

• Josephine    Apr 29, 2012

  thank you sally, but iam still waiting to reasive the money

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