Investment

Joseph

Nakuru, Kenya

100% repaid

Entrepreneur

Name

Joseph

Member since

March 2017

On-time repayments

102 installments  •  7%

About Me

I was born and brought up in Nakuru county, I went to first primary school called Tangi Tano primary later I transferred to a private school called vision academy kiambogo. I went to Jomo Kenyatta High School then I went to a college known as Rift valley institute of science and technology where I did community development. But ever since I joined high school I have been an entrepreneur of my own venturing to agribusiness activities since my parents were farmers where I learnt how to farm and do businesses at the same time. I also learnt to be a good student and at the same time been a businessperson.

My Business

I have several technical courses such as information technology and electrical and electronics, most of my income comes from these hand on skills courses. Through this hand on skills I have been able to raise an income and I have been able to open a small restaurant where we sell fast foods.

Loan Proposal

I will buy two flash disks 2GB capacity to sell it at a better price, one flash disk goes for $2.3 dollars. My customer service and product will increase its quality. i will also be able to attract more customers of the same product taste.i will also attract more young people who need loans to invest and that will increase your popularity in our region. this will enable my two customers get the devices and to me i will make a profit. i expect a 40% profit increase

My Videos

May 29, 2021: Farming

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$130.00

Date disbursed

May 6, 2017

Repayment status

On Time

Projected term

7 months

Lenders

PG

Paul Graham

United States

Craig Newmark

United States

The Zinc Team

San Francisco, United States

Paul Buchheit

Mountain View, United States

CN

Craig Newmark

United States

JG

Jake Gibson and Beverly Picardo

San Francisco, United States

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  • Joseph    Jul 7, 2019

    I had some issues with security which led to failure of my first business, i also joined school for a short course in electrical and electronics for the last 18 months from January last year, that's why I took long to pay my loan. Currently I own a restaurant around Nairobi where I have hired (3) workers two chefs and a waitress.
    I have been able to pay all my loans in full and also helped my close friends venture into business by giving them both financial support and advices. I have been able to hire lands as a small scale farmer for maize farming and bee keeping. Bee keeping has been the only longest farming I have practiced and I can't regret for it has been giving me a good profit which enabled me to pay for my short course in full, pay my rent and for my personal up keep and bee farming has no expenses like other farming practices its the cheapest with high yield.
    I know the next loan that you will be providing to me I will be paying on time and I won't inconvenience you again for the business am having is so much promising.

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  • Joseph    Feb 23, 2019

    This is because I cannot find that installment at once.

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  • Margaret    Jul 28, 2017

    joseph was not available and i called one of the contact which was available and told me is going to remind him

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  • Joseph    Jul 13, 2017

    I falled sick, thats why i couldn't pay my loan as scheduled but i can increase the amount and recover unpaid weeks, am sending my apologies to you for not letting you know on time.

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  • Joseph    Jun 20, 2017

    I received kshs.12,499 I bought timber, nails for kshs.140 two and a half inches, 3 crome tubes twelve feets each for Kshs. 1,780 , 2 window pane glases for kshs.1,800,1 3 fly for kshs.600,1 board laminated one side for Kshs. 3,000, 2x2 timber forkshs. 1050, kshs. 500 for transport and kshs. 1,300 paying carpenter.

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  • Joseph    Jun 12, 2017

    I will buy memory cards for 2GB ten for kshs. 2000, ten memory cards for 4GBs at kshs.3000, five 8GBs for kshs. 2000 and six flash disks for 4GBs for kshs.2400. And the rest for renovation.

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  • Joseph    Jun 6, 2017

    at job

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  • Joseph    Jun 5, 2017

    This loans will help me buy all I need at the moment. I t will help me move a step higher than my competitors by having more durable devices at an affordable prices. this will help my stall have much and undying stock and therefore increase high competition thus having high profits. my earnings will be high since i will be having always something to give or to sell to my customers.
    My mum is always impressed by how I have been doing my job at home and at the same time doing my job, and this has been easier for me since zidisha has help me grow financially.
    It has been a chilly month so holidays were quite different due to cold weather.

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  • Joseph    May 22, 2017

    I want to see if my loan can be increased to a more and better loan to buy a better stock

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  • Joseph    May 17, 2017

    I purchased few memory cards that have made me meet alittle customers demand. Every time i sell the item i makes 40% profit which intern is a good profit if I get each day atleast 2 customers to purchase the item

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  • Joseph    May 15, 2017

    I purchased few memory cards that have made me meet alittle customers demand. Every time i sell the item i makes 40% profit which intern is a good profit if I get each day atleast 2 customers to purchase the item

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  • Joseph    May 15, 2017

    I can not be able to create and win a high loan profile due to low income and low stock, i sent you a message concerning my payment mid-last week hope you updated my account. I think you as an organisation that lends you should give us the loan because once you lend us with good loans payment will be good too, and we young people we can achieve more with you.
    I don't find it logic i blindly pay to get more but since your job is to lend you can give us the loan then pay.
    I thank you for your lending and i appreciate the good tasks you've done.

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  • Joseph    May 5, 2017

    I will buy some few electronic gadgets like USB flash disks two and two memory cards. It will help me on adding stock to my stall.
    I hereby thank Zidisha for its lending and Almighty God keep you long and save the world from poverty.

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  • Joseph    Apr 29, 2017

    please help me stop the repayment schedule and give me a loan which ever amount i will pay on time

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  • Joseph    Apr 29, 2017

    My first loan i bought two VGA cables which were equivalent to $5 dollars which on the sale of the two enabled me to purchase other three cables. My business has increased a little earning since the loan was small. I got have a problem and i have send two emails requesting the management to help me stop repayment since the first loan couldn't help me much to qualify for a larger loan. Since I know am determined to accomplish what i started am requesting the management to help me stop repaying the loan but to give me the actual loan than let me pay for the installments i can't afford to pay since my job is still new.

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  • Joseph    Apr 14, 2017

    to qualify for a bigger loan that can help me buy more stock and improve my service

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  • Joseph    Mar 30, 2017

    i will buy few data cables of equal amount

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