Mobile phone payment service (M-PESA) line


Thika, Kenya

45% repaid




Member since

September 2013

On-time repayments

331 installments  •  14%

About Me

Am Alphazad Kyalo An Accountant by profession and Iive near in Makongeni Estate Thika.I work at Njimia Phamaceuticals as a Branch Accountant in Thika.I am planning to Start a Cosmetic business by the end of this month,and i believe i will have the potential of Making an extra income.I have been triggered by the presence of market Niche in this Business at the area where i want to start the business which i have purposed to curb.When the business picks i am planning to open several subsidiaries in different towns like meru and mwingi.My Pilot area of the business will be Kenol Town near Thika on your way to Meru.Through my business am planning to provide employment opportunities to youth menbers as a part of social responsibility to the society.I am greatful to zidisha organisation for their noble support.

My Business

I Am very grateful for the support that you are willing to offer me.Am seeking Zidisha lenders to lend me money so that I can expand my general shop business which I have recently opened in Mwingi area just after Thika. area, I will supplement and restock my business and make sure all the necessary commodity are available to make my business a one stop shop for all my customers in the area. As one of my strategic plans am planning to distribute Coco-cola products in the near future. Through the earnings I will ensure timely repayment of my loan in order to regularize my account and increase my credit limit .My monthly expenses would include the following;Rental expense,Salaries to the employees,Electricity,Licenses which will be paid on an Annual Basis and Transport Costs.

Loan Proposal

Hello Lenders let me take this chance to thank you for funding my two previous loans which I have repaid comfortably.
Please I humbly request you to fund my third loan.
I will spend USD 407 to buy Safaricom M-pesa line which I will operate in my retail business, with the remaining USD 46 I will buy extra stock for my retail business.
This will increase my incomes because I have budgeted to get commission of around USD 115 per monthly which will increase as the business grows. This will also enhance customer loyalty in my business.

Kindly lenders I request you to fund my loan.






Loan Info

Project Type

Classic Loan

Disbursed amount


Date disbursed

Apr 26, 2014

Repayment status


Projected term

75 months




Sunnyvale, United States



berlin, Germany


Pittsford, United States


Spring Green, United States


Melbourne, Australia


Medford, United States


Sarasota, Fl, United States



United Kingdom



Minneapolis, United States



Tacoma, United States


Portsmouth, United Kingdom



Brisbane, Australia


New York, United States



United States


Vilar, Vila do Conde, Portugal











United Kingdom

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

Please log in to comment.

  • Lewis    Sep 16, 2015

    dear lenders,
    i alerted mr mutemi about his arrears via a text message. i believe he will respond soonest.
    lewis njau

    Log in to reply • Share
  • Lewis    Aug 6, 2015

    Hi lenders,
    having spoken to mr alphazard mutemi i confirmed that he has not resumed to his job, i believe he will make his payment the minute he recovers.
    lewis njau

    Log in to reply • Share
  • Alphazad    Jul 28, 2015

    Hello Lenders,

    Thanks for supporting me during this challenging moment.Am very sorry for not making my repayment on time.My Business which i had started was seized by fire and nothing remained at all as a result of this my financial status went down.Moreover where i was employed my contract ended so i could not raise money to repay the loan.I am optimistic things will normalize and i promise to clear my loan by the end of this year.Thanks so much for bearing with me and for your relentless support.

    Please i once again i request for your financial support.Thanks and God Bless you all.

    Log in to reply • Share
  • Hans    Feb 27, 2015

    Hello Alphazad,
    hope you're doing well.
    I've realized, that Antony Syengo didn't do any repayments yet.
    Do you know, what happened there ?

    Log in to reply • Share
  • Namaste250    Dec 30, 2014

    Dear Alphazad,
    I am sorry to hear you were attacked. I hope you have recovered fully.
    Happy New Year!
    Best wishes to you and your family for a healthy, joyous and prosperous 2015, Ann

    Log in to reply • Share
  • Alphazad    Dec 19, 2014

    Hello Lenders

    Thanks so much for bearing with me during this challenging period.I fell sick and i was hospitalized for one Month and i headed up spending alot of money in the Hospital that's why i was not able to repay my loan on time.
    I am now recovering and i have been discharged so am very grateful for understanding me.
    As soon as things get better i will clear the amount of loan due.Please i request you all not to relinquish your financial support on me please continue supporting me.I wish you all a Merry Merry Christmas and Happy New Year.

    Thank you so much and may God Bless you all abundantly.

    Log in to reply • Share
  • Lewis    Dec 1, 2014

    hi lenders am still keeping in touch with my colleague alphazad mutemi, it was unfortunate that he lost some worthy goods ,,,,,,,,,,,,,,,he was attacked but not harmed and i believe he will recover very soon , lease bear with him

    Log in to reply • Share
  • Alphazad    Nov 13, 2014

    Thanks Greg for understanding and bearing with me.
    God Bless.

    Log in to reply • Share
  • GCAsmus    Nov 12, 2014


    That is fine with me to pay late. Good luck to you.


    Log in to reply • Share
  • Alphazad    Nov 11, 2014

    Hello Lenders hope you are keeping well.Am really sorry for not making my repayment on time ,honestly i felt very bad personally.I have been faced with financial challenges.My contract where i was working ended in September and because the organization has been facing financial challenges they have not renewed yet,this forced me to use my savings to purchase Insecticides and fertilizer for my Tomatoes farming Project/investment,because my business could not sustain the expenses.Honestly this had a negative impact on my financial status hence it affected my repayment.
    My Tomatoes will be ready for harvest in 3 weeks time so expenses have started reducing.Please allow me to reschedule my loan repayment but once i get money from my Tomatoes Investments and my Business i will Clear this loan by the end of February Next year.
    Thanks so much lenders for understanding me and i endeavor keep the promise of making my repayment on time and i will harmonize everything and have good credit rating.Thanks and God Bless.

    Log in to reply • Share
  • Lewis    Oct 21, 2014

    hi lenders i spoke with alphazard kyalo mutemi, am glad he is fairing well, he promised that he will repay his arrears and get back to his 100% on time repayment

    Log in to reply • Share
  • Alphazad    Jul 25, 2014

    Hello Zidisha Lenders Let me take this chance to thank you for your endless support.
    My Business was Robbed by thieves and this affected me financially and that's why i have been having some challenges ,but thank God i am trying to harmonize everything.
    As a result of the theft i lost stock of around USD 550 and Cash money of USD 200.Honestly i have been affected financially and mentally.Please am requesting you to allow me to reschedule my loan repayment installments,but when things get better i will reschedule my loan repayment and increase the installments.

    Log in to reply • Share
  • Alphazad    May 27, 2014

    Hello lenders hope you are faring well.

    Pease let me thank you so much because of your Loan it has really impacted my life and I have been able to help other people.

    Last week I had an opportunity to visit Narok County where I have been able to start up two Acres of Tomatoes Project through your Loan. Please find attached the Fresh Tomatoes plants which will be ready for sale by the end of this Month.

    I have able to assist my Uncle who Irrigates the tomatoes to get School fees for his Children. Indeed am very grateful because I now want to diversify my business and venture in Agribusiness. Thanks and may God Bless you.

    Log in to reply • Share
  • Alphazad    Apr 26, 2014

    Thanks lenders for completing my loan application indeed am very elated for your support. God bless you abundantly.

    Log in to reply • Share
  • Alphazad    Apr 25, 2014

    Thanks very much Zidisha Lenders for your extreme kindness. I will be very happy when I get the news that my loan is fully funded, please help me to fund the remaining 6% of my loan. May GOD bless you abundantly.

    Log in to reply • Share
  • Alphazad    Apr 24, 2014

    Hello Lenders.
    Thanks so much for your support. Please help me to complete my loan, so that I can commence on my project and support my brother to pay college fees.
    Thanks and be blessed.

    Log in to reply • Share
    • trincowski    Apr 24, 2014

      Your application expires tomorrow... I've already helped. Let's hope others do the same, 'cause you're very near your goal, Alphazad! It's not impossible, for sure.

      Log in to reply • Share
  • Alphazad    Apr 17, 2014

    Nine Warning Signs you are wasting Your Life but You Choose To Ignore

    Hopefully, it’s going great and you are living the life of your dreams. But for the rest of you who are not, here are some signs that you might be wasting your life… but you don’t want to admit it:

    1. You spend too much time doing things you shouldn’t be doing.
    Video games. Reality TV. Surfing the ‘net. Stuffing your face with too much food. Drinking too much. And the list goes on. Take a serious look at your life. Where are you spending the majority of your time? And does it serve you well? Is it leading to a better life? Is it laying the foundation for a bright future? If not, then you need to reevaluate your routine activities and make changes.

    2. You find yourself complaining a lot.
    I know people who are constantly overwhelmed with life, and they never cease to tell me. Are you one of those people? Do you complain about your job, your boss, your salary, your neighbors or your spouse? If you do, then you are doing nothing but exuding negative energy. Negativity doesn’t change things. It keeps you stuck. So change your thoughts and talk about what you appreciate about your life, not what you don’t like.

    3. You have a lot of negative self-talk.
    Self-talk can make or break your life. As Henry Ford said, “Whether you think you can, or think you can’t… either way, you’re right.” If you tell yourself that you’re not smart enough to get that promotion or start a business, then you’re right. If you tell yourself you’re too exhausted to put effort into changing your life, then you’re right. Whatever you tell yourself becomes your reality. So closely monitor what you say to yourself, because you will find that your life matches your thoughts.

    4. You feel uninspired.
    Do you have a passion for anything? I know a lot of people who think they don’t have a passion. But that’s never the case. There has to be something that you enjoy doing. So you need to rediscover what excites you, and then do more of it.

    5. You don’t plan for your future.
    While it’s always great to live in the “now” and “be in the moment,” sometimes you need to look ahead to see where you want to go. If you don’t have a goal or a plan, then you are like a boat that is wandering aimlessly in the ocean hoping to end up somewhere good. But you can’t do that. You have to make a step-by-step guide to get where you want to go.

    6. You spend too much time with people who don’t contribute to your growth.
    It’s easy to get stuck hanging out with people who are not making you feel like a better person. But if you keep doing that, then you will stay stagnant or get pulled down with them. I like to call them “Energy Vampires.” They suck the life out of you and give you nothing positive in return. Instead, go find growth-oriented people to be around.

    7. You spend money on things that don’t matter.
    There is a difference between a “need” and a “want.” However, in today’s society, we have blurred the lines quite a bit like; flashy phones, cars tablets etc.. In fact, I know people who can’t pay their mortgage, but still have the fanciest gadgets on the planet. If you stop to think about it, there is very little that we actually need. Food, water, shelter and love are some of those things.

    8. You don’t leave your comfort zone.
    I know how easy it is to live in a comfort zone. I’m talking about taking a risk that will improve your life. And keep in mind, there is a difference between a “risk” and a “calculated risk.” Any risk has the possibility to be deadly, but a calculated risk is one in which you’ve weighed all options and thus come up with a good, sensible plan of action.

    9. You’re living a life you don’t like.
    The way I measure success is by someone’s level of happiness. Are you happy? If not, then you should change something! Even a feeling of contentment or satisfaction doesn’t tell you that you’re living life to the fullest. Life should be exciting! So if you’re not enjoying life, take a look at some of the changes you can make to get you to a better place.

    Log in to reply • Share
  • Alphazad    Apr 17, 2014

    Hello Lenders

    Let me take this opportunity to wish you all happy and blessed Easter holiday.
    May you be empowered to speak only faith filled words.

    Thanks for your infinite financial support.

    Log in to reply • Share
  • Alphazad    Apr 15, 2014

    Hello Lenders,

    Thanks so much for your continued support.
    Indeed am very grateful as I can foresee my dreams materializing. May u be blessed.

    Log in to reply • Share
  • Alphazad    Apr 14, 2014

    Morning Lenders please am requesting for your support to fund my loan.Thanks and may you have blessed week.

    Log in to reply • Share