Cash "float" for mobile phone payment service

Valentine

Elburgon, Kenya

100% repaid

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Entrepreneur

Name

Valentine

Member since

July 2014

On-time repayments

279 installments  •  9%

About Me

My names are valentaine asaale mongolo.I am a mother of three and currently living widow after my husband was killed in Somalia one year ago.He was serving as a soldier in Kenya.
I live in Elburgon setelite estate and i do my business in Elburgon town.I have a certificate in hair and beauty from Vera and Beauty College in Nairobi.At this point i have a beauty shop in Elburgon where i run an Mpesa and offer my service to my customers.
Besides that i am a gospel artist at our church here in Elburgon and i am planning to realise my first and new album very soon.

My Business

I am in the business of beauty now and as mpesa agent.I run a salon,Mpesa and sell local made and imported shoes,children wear,makeups.Most of my customers comes from within the town.When i started this business i faced so many challeges such as lack of enough capital and stiff competition but with time now as i had improved on the service i offer,am now at the pick within this area.Now i am proud to run a successful,stable and reliable business.
Today if the opportunity is given to have a loan,i will use it to expand my business by bringing new products that will attract me more customers hence earn me more income.

Loan Proposal

First i would like to thank you all for your support.As i post another loan today this is how i had plan to use it.

$350 i will use to add more float in my mpesa business.This is because it's the part that i earn more in daily basis.Currently my float is $550 of which sometimes do not serve all my customers.If i get the loan and use it to add float,i will be able to serve more people and hence more profit.Geting more profit will allow me to support my children and pay all my bills without problem.

$150 i will travell to our neigbor country to bring shoes especially for ladies and body lotions like movit products.This Ugandans products are loved by ladies because of high quality and are cheaper compared to Kenya made.This products will attracts me more customers as you know my competitors are selling Kenya made.This loan will help me compete in the market and help more get more products.

$100 i will use to add cosmetics(wig,air food,shampoo,braid,weeves,air oil) in my salon so that all my customer can get all they need with me.This will give me a double profit for selling the products and salon service.This loan will greatly change my life and know that by supporting me you will have supported many lives.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$609.00

Date disbursed

Sep 23, 2014

Repayment status

On Time

Projected term

4 months

Other loans

Jul 2014:  $150

Jan 2015:  $1,436

Lenders

Kitty

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I

icetwice

Melbourne, Australia

O

Oliver

Geneva, Switzerland

artnking

College Place, United States

KirstenShute

Montreal, Canada

S

SvenWaage

Stavanger, Norway

J

JoeSolar

Virginia, United States

B

Bully

Konstanz, Germany

M

marcelitohb

Bremen, Germany

P

Prysdahl

Marshall, United States

mraph

Virginia, United States

calvero

Bergen, Norway

joaoferraz

RINCHOA, Portugal

Stefano Bertolo

Luxembourg, Luxembourg

F

fredrikahl

Stockholm, Sweden

Hedwich

Gorssel, Netherlands

Zal0m0n

Atlantis!!!! x), Mauritania

T

TVandenbosch

Brussels, Belgium

Sarasota

Sarasota, Fl, United States

C

curtains4u

North Kansas City, United States

G

GreenMoney

Lahr, Germany

anonymous

Huntington, United States

M

mguenter

Switzerland

lyalljellyman

Wellington, New Zealand

T

TrademarkMan

United States

Sputnik

Switzerland

pixelsebi

Berlin, Germany

K

KiraDee

United States

J

jayne62

Australia

C

CharlieHinTW

Taiwan

O

ORBP1

Germany

M

Maggie

Australia

Ask Valentine a question about this project, share news and photos of your own, or send a simple note of thanks or inspiration.

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  • Elijah Omollo    Jun 1, 2015

    Dear lenders i hope you are well.I have been contacting Valentine but i have not been able to reach her.When i contacted her community who told me that she was seriously ill that she was taken to her village home of which it's confirmed that she is still ill and admitted in hospital.

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  • TomF925    May 14, 2015

    I hope you are well! It has been 3 months since you have made a payment. I cannot find Hellen Nyokabi's discussion page.

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  • Franmiguel    Mar 27, 2015

    Hi Valentine,
    You posted on Hellen Nyokabi's discussion page.
    Thanks for providing an update to the lenders, and thanks for your work as a VM at Zidisha.
    Regards
    Michael

    Regards
    Michael

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  • Valentine    Feb 15, 2015

    Dear lenders i take this opportunity to thank you so much for your support.I am very happy that my business is now picking up.I now reschedule temporarily for now as i ask for little grace period and once i will be fully stable i will reschedule again to bigger instlament.I thank you again for understanding me.May you be blessed.

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  • Kitty    Jan 24, 2015

    Congratulations, better luck this time

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  • V

    Vincent    Jan 24, 2015

    great business idea all the best in your business

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  • F

    Fred    Jan 23, 2015

    Wish you all the best valentine

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  • Valentine    Jan 23, 2015

    Its good when you owe people you dont sleep till you find a way to repay.My good lenders lent to me in good faith but unavoidable took place that bared me from making payment,but thank God i struggled till am now almost making it again.I ask any lenders not to judge me by my ontime repayment but look at my trustworthness.My ontime repayment falls down when my mpesa was stolen but unfortunatly i couldnt reschedule my loan because there was a bug on Zidisha website that bared many borrowers from reschedule to smaller amount and the time the bug was repaired the damage on ontime repayment was already done.

    Thank you

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  • Valentine    Jan 20, 2015

    Its good when you owe people you dont sleep till you find a way to repay.My good lenders lent to me in good faith but unavoidable took place that bared me from making payment,but thank God i struggled till am now almost making it again.I ask any lenders not to judge me by my ontime repayment but look at my trustworthness.My ontime repayment falls down when my mpesa was stolen but unfortunatly i couldnt reschedule my loan because there was a bug on Zidisha website that bared many borrowers from reschedule to smaller amount and the time the bug was repaired the damage on ontime repayment was already done.

    Thank you

    Log in to reply • Share

  • Valentine    Jan 20, 2015

    Its good when you owe people you dont sleep till you find a way to repay.My good lenders lent to me in good faith but unavoidable took place that bared me from making payment,but that God i struggled till am now almost making it again.I ask any lenders not to judge me by my ontime repayment but look at my trustworthness.My ontime repayment falls down when my mpesa was stolen but fortunatly i couldnt reschedule my loan because there was a bug on Zidisha website that bared many borrowers from reschedule to smaller amount and the time the bug was repaired the damage on ontime repayment was already done.

    Thank you

    Log in to reply • Share

  • Valentine    Jan 11, 2015

    Dear lenders,

    I take this opportunity to thank you all for lending to me,it has been too tough for me to carry on after my business money was stolen from my mpesa.Being a widow with no one to look at,i tell you it was hard to move on.But now i thank God am able to make it again and today i reschedule my loan to atleast a larger reasonable amount meaning things are now well.

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  • Valentine    Jan 10, 2015

    Dear lenders,it has been very hard for me since my mpesa was stolen three months ago but i thank God slowly by slowly almost going back on my feet.Today have reschedule to ksh 500 but i expect to increase my installment in few coming weeks.I thank you so much for being patient with me during my hard time.

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    • KirstenShute    Jan 12, 2015

      Hello Valentine,
      I'm sorry to hear that your mpesa was robbed. Thanks for the updates and I hope things continue to get better. All the best,
      Kirsten

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  • Valentine    Jan 10, 2015

    Dear lenders,it has been very hard for me since my mpesa was stolen three months ago but i thank God slowly by slowly almost going back on my feet.Today have reschedule to ksh 500 but i expect to increase my installment in few coming weeks.I thank you so much for being patient with me during my hard time.

    Log in to reply • Share

  • Valentine    Dec 19, 2014

    Dear lenders,

    I am very thankful that am now recovering from money lost that i suffered from theft two months ago.I will start my normal payments as from next week thank you so much for understanding me during my hard time.

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  • Valentine    Dec 12, 2014

    Dear lenders,

    I am sorry i am not able to make my this week repayment.My business found unexpected last week.I left my son at my mpesa and he was corned by some unknown people ksh 40000 which i am not unable to trace till now.So please kindly allow me to organized myself before i could be back on track again.

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  • Sputnik    Dec 6, 2014

    Hi Valentine

    Can you please inquire about Alex Sogota? He still has not made a single payment.

    Thank you.

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  • Martin    Dec 1, 2014

    Hello Valentine, I am in Nakuru and I chose you for my mentor. I hope I can get in touch with you anytime.
    But tell me, is it possible for me to increase my interest rate as shown on my application? I want to increase it since I understand that the 5% I had offered is all going to Zidisha and I want something for my lenders.
    Thankyou.

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  • Benjamin Charlton    Nov 11, 2014

    Dear Valentine, my warmest regards to you.
    I see you are the volunteer mentor for Yusuf Bravin Bwire Odima. I see he has six overdue loan payments and he has not posted anything on Zidisha recently. Is he ok? I hope he is not sick.

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  • Valentine    Nov 10, 2014

    Dear lenders,

    I am sorry i am not able to make my this week repayment.My business found unexpected last week.I left my son at my mpesa and he was corned by some unknown people ksh 40000 which i am not unable to trace till now.So please kindly allow me to organized myself before i could be back on track again.

    Log in to reply • Share
  • C

    curtains4u    Nov 4, 2014

    Valentine Mongola, I hope your son was not injured and wish you and him a speedy recovery with your situation. hopefully you will have justice

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    • Valentine    Nov 10, 2014

      Dear Curtains4u,

      Yes he is well and i will resume my payment next week.thanks

      Log in to reply • Share


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