Julia Kurnia    Oct 8, 2013

Dear lenders,

We have been attempting repeatedly to contact Mr Macharia and the person who had signed a recommendation in support of his application to join Zidisha for many months.

Finally, one of our volunteer mentors undertook a long journey to visit Mr Macharia's hometown from a different part of Kenya. He found that Mr. Macharia had long ago left the area, and nobody could inform us of his whereabouts. The pastor who had recommended Mr. Macharia had likewise moved away.

Should we succeed in reestablishing contact and recovering repayments for this loan, the funds will be credited to your lender accounts.

Please do not hesitate to contact us at [email protected], with any questions or comments about this loan.

Regards,

Julia Kurnia
Director, Zidisha

Silver    Oct 1, 2013

What's going on with paul kigia????

Is zidisha not interested in such cases...?

Silver    Sep 15, 2013

What's goinig on Volunteer Mentor!!!???? Do you to anything to communicate with this person???

LA    Sep 10, 2013

Updates?

Silver    Aug 19, 2013

Are there anything new informations?

LA    Jun 18, 2013

Please update as soon as possible with regular follow ups.

marcantonio152    Jun 17, 2013

Is there any information?

traciyoshiyama    May 6, 2013

Dear lenders,

My name is Traci Yoshiyama and I am a Client Relationship Manager for Zidisha.

We have been making weekly attempts to contact Mr. Macharia and other community leaders in Solai. We thank you for your patience and when we hear any news, we will make sure to inform you. If you have any questions, please feel free to contact us.

Best,
Traci Yoshiyama

Silver    Apr 25, 2013

Is there anything new from joseph macharia?

Joseph    Mar 15, 2013

Hi zidisha lenders and community in large. i first start by going down to my knees, for hell of time that i may have given you. i sincerely say sorry for taking too long to respond and also taking much time to repay your loan than expected. Happened to relocate due to family issues which i may not disclose too much to you. Every that i had invested your loan in ended up being a total loss. but i thank God that am recovering from all that and i still have spirit to work with you people. Are be making my payments any time from now and please don't have any feeling of your money getting lost...NO and NEVER. I rely appreciate all those who have given me a spirit of no defeat and high hopes/encouragements. thanks all and God bless you. i Acknowledge your patience. thanks

• JackiePAndTomT    Mar 15, 2013

  Thank you! No need to explain about your family issues: that's private. It's just good to hear you're safe and okay. That matters more than any loan or any money. Best wishes!

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JackiePAndTomT    Feb 28, 2013

Don't feed the troll. Rule #1 of the Internet!

• dajawein    Mar 2, 2013

  *high 5s*

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• quescout    Mar 5, 2013

  Don't believe what you read. Rule #2 of the Internet!

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• quescout    Mar 5, 2013

  Don't believe what you read. Rule #2 of the Internet!

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quescout    Feb 28, 2013

I am out of Zidisha, and never loan again because of this comment:-
russell comments on Feb 28, 2013

"Dear quescout
I think all your comments are tongue in cheek and are not about joseph macharia s loan at all.You enjoy winding people up and causing controversy.I think you are an internet troll.You care little for the feelings of joseph macharia.or the other members.Please do not pretend to be offended by this as I am sure you relish conflict and you would be most upset if everyone ignored you. "

• Shem    Mar 1, 2013

  Hi Zidisha Family. My name is Shem Ageta and I am one of the volunteer mentors. I visited Mr Joseph Macharia's village {he is late on his loan repayment} on the 20 February 2013. My marching orders were to locate Machariah's residence, find out what is happening with him and to report back to the Zidisha team, I began by understanding the area and locate his home without raising any eyebrows from the neighbors. armed with his profile information I traveled from Mombasa (where i had gone to attend Training Session for Max Security as the trainer and resource person) to Nakuru then follow the Bahati Route to Solai on rough and dusty road. at Solai where i arrived at sometime in the afternoon. I hired a motorbike to go up to the hill country of Solai where Mr Macharia's home is located. To Continue

  

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  • quescout    Mar 5, 2013

    Hi Shem Ageta, Did you get a chance to see how Mr Macharia's was going? We hope everything is ok with Mr Macharia's and his farm.

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dajawein    Feb 27, 2013

Mr Quescout ... This seems to be the only loan you've made. If this is how you lend, i.e. without a heart to feel for borrowers or a mind to listen to other lenders, then I frankly think the world would be better off with you scrooging your own money. That's my thoughts. If I have misjudged you, then I do apologize.

Other lenders have pointed out the nature of agricultural incomes.
Other lenders have verified Mr Macharia's worth.
I need say no more.

"Some people are so poor that all they have is money."

• quescout    Feb 27, 2013

  dajawein,
  
  How rude are you. Rude enough to write " without a heart to feel for borrowers or a mind to listen to other lenders, then I frankly think the world would be better off with you scrooging your own money. "
  
  You know nil of me and you make rude unsubstantiated comment like that . You nasty gun jumping, rude person.
  
  Let Start:
  1. "the only loan you've made" Bull Sh*t I have other loans with other organisations, your assumption is unfounded. How rude are you?
  
  2."without a heart to feel for borrowers" This is the one that sent me off the deep end what what what. Talk about pulling a rabbit of of the hat ,. How rude are you ?
  
  3. " the world would be better off with you" - good , I was on the verge of suicide anyway - you are correct, but..... How rude are you?
  
  4. " scrooging your own money" Fu*ck off dajawein - Very rude indeed
  
  5. " That's my thoughts. If I have misjudged you, then I do apologize." Your thoughts are worth nothing if you arrive at the conclusion by using assumptions only, even the thought of apologizing. Damage done - How stupid are you?
  
  6."I need say no more" depends if you foot is still wedged in you mouth.
  
  The Facts:-
  I made the loan whilst I was out of work and had no income. I feel for underprivileged. At home I am a volunteer for 8 years, overseas I deal with www.kiva.org/
  
  I thought that Zidisha would have followed up on the loan to see if Joseph Macharia had encountered difficulties. When I saw other members asking about this default loan it sounded like nothing was being asked. I do expect the people getting the loan, do need to understand it is a loan which forms part of their venture and needs to be adhered to by making the payments or letting the loaners know what is happening. How can these wonderful people learn otherwise. My 1st "test" loan failed, and hence my comment. One burnt, twice shy.
  
  Final Note:
  "Some people are so poor that all they have is money." I had never heard this before and thought it is one of the best statements I have ever heard. I Thank you for that.
  
  Unfortunately this member has put the 2nd bad taste in my mouth. Please tell me it is an isolated incident.
  
  How rude are you ?

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  • russell    Feb 28, 2013

    Dear quescout
    I think all your comments are tongue in cheek and are not about joseph macharia s loan at all.You enjoy winding people up and causing controversy.I think you are an internet troll.You care little for the feelings of joseph macharia.or the other members.Please do not pretend to be offended by this as I am sure you relish conflict and you would be most upset if everyone ignored you.

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  • russell    Feb 28, 2013

    Dear quescout
    I think all your comments are tongue in cheek and are not about joseph macharia s loan at all.You enjoy winding people up and causing controversy.I think you are an internet troll.You care little for the feelings of joseph macharia.or the other members.Please do not pretend to be offended by this as I am sure you relish conflict and you would be most upset if everyone ignored you.

    Log in to reply • Share
  • russell    Feb 28, 2013

    Dear quescout
    I think all your comments are tongue in cheek and are not about joseph macharia s loan at all.You enjoy winding people up and causing controversy.I think you are an internet troll.You care little for the feelings of joseph macharia.or the other members.Please do not pretend to be offended by this as I am sure you relish conflict and you would be most upset if everyone ignored you.

    Log in to reply • Share
  • russell    Feb 28, 2013

    Dear quescout
    I think all your comments are tongue in cheek and are not about joseph macharia s loan at all.You enjoy winding people up and causing controversy.I think you are an internet troll.You care little for the feelings of joseph macharia.or the other members.Please do not pretend to be offended by this as I am sure you relish conflict and you would be most upset if everyone ignored you.

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• Joseph    Mar 15, 2013

  Hi dajawein, Am very sorry if i have wronged you by delaying my payments. i accept its all my fault and i rely go to my knees in order to have your forgiveness. it was not my will nor intention to be in such a situation that i am. The wold is big and you don know where you may find your self the next minute. otherwise am very sorry for wronging you, are respond to the payments anytime from now. God bless you and may God repay you double for lending me with your cash. success in all you do.
  be blessed
  macharia

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  • dajawein    Oct 22, 2013

    Hi Joseph,
    
    I pray that God will be with you to turn your life in a good direction. Maybe then one day you will be able to deal with this loan. We don't know what's happened, but wish you all the best.
    
    - dajawein

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RochelleSpencer    Feb 24, 2013

I've loaned to Joseph before, and he paid back the money. I believe he will again this time too. I just think you have to be patient because if something unexpected comes up, then it may take time.

quescout    Feb 23, 2013

joseph macharia has failed to pay back on my 1st lend. If this is the way loans are paid , then I am out. I am also out there actively degrading Zidisha's name to all my friends. NO MORE LOANS, loans are NEVER paid back.

• SKWAW    Feb 23, 2013

  Hopefully he will come through. I have 18 loans outstanding, and this is the first late payment. Don't lose hope, it will all work out. Hang in there!

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• SKWAW    Feb 23, 2013

  Hopefully he will come through. I have 18 loans outstanding, and this is the first late payment. Don't lose hope, it will all work out. Hang in there!

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• Daniel Bachman-Gregori    Feb 24, 2013

  Quescout. I've lent to joseph macharia previously and he paid the entire loan back within three months. You just have to be patient. Some time things happen that you can't expect. Also especially with agriculture things can happen and you don't usually earn money constantly usually you get it when theres the harvest.

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• russell    Feb 24, 2013

  hi quescout,
  If you read all the stuff on zdisha you will find an offer to reimburse in full
  any member who is dissatisfied.All you have to do is complain by email and you will get all your money back.

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• russell    Feb 24, 2013

  hi quescout,
  If you read all the stuff on zdisha you will find an offer to reimburse in full
  any member who is dissatisfied.All you have to do is complain by email and you will get all your money back.

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• ninamaqami    Feb 24, 2013

  hi quescout, I second the previous comments in response to your remarks and can only underline that sometimes one has to be patient and there are usually very good reasons for delay. Joseph has an excellent record and I am sure he is a hard working farmer. Zidisha's record is very remarkable given the comparatively much higher risks its clients are exposed to and I don't think it is fair to express such disappointment towards the entire organization..

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• RochelleSpencer    Feb 24, 2013

  I've loaned to Joseph before, and he paid back the money. I believe he will again this time too. I just think you have to be patient because if something unexpected comes up, then it may take time.

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• RochelleSpencer    Feb 24, 2013

  I've loaned to Joseph before, and he paid back the money. I believe he will again this time too. I just think you have to be patient because if something unexpected comes up, then it may take time.

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• RochelleSpencer    Feb 24, 2013

  I've loaned to Joseph before, and he paid back the money. I believe he will again this time too. I just think you have to be patient because if something unexpected comes up, then it may take time.

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JackiePAndTomT    Jan 31, 2013

Is everything okay? You haven't commented since the loan was filled and your repayment is due.

LA    Jan 18, 2013

Hi Joseph,
How is farming going? Do you know when will be able to begin repayment?

JackiePAndTomT    Dec 16, 2012

Hello Joseph,
How are you and your farm doing? It's almost Chirstmas, and I was wondering whether or not you celebrate it. I don't know a lot about Kenyan culture and I'm curious. If so, Merry Christmas!!!!!

JesseEXPRESS    Nov 13, 2012

Mr. Macharia,
Praying for you. May God bless the work of your hands.
-JM

Jeremiah 29:11
11 For I know the plans I have for you,” declares the Lord, “plans to prosper you and not to harm you, plans to give you hope and a future.

Ron    Nov 12, 2012

Mr. Macharia,
Best of luck in your business. I hope the weather cooperates and you have a great crop.

Ron Freach