Loan to buy seedlings for planting

John    Jun 20, 2022

Thank you very much my dear members/lenders for the financial support provided to my tree nursery. Disbursed money will be used to buy 2 watering plastic cans, some quantities of various types of seeds,2 packets of growth hormone,4 kg of neem seeds, adding more mango scions, packets of potting tubes and other required nursery materials. All these nursery materials will boost income of nursery, improve family living standard, school fees paid for children going to school and upgrade mode of thinking. Thank you very.

John    Jun 20, 2022

My Zidisha lenders,i am very happy for the financial aid provided by this platform. All the nursery materials i bought really increased production of potted tubes and number of filled up potted tubes increased by 7443 pieces. These tubes are watered regularly and small tender seedlings are also watered every day pricked out and will improve tree nursery profit margin. Types of seeds and seedlings were also bought like moringa oleifera,paw paw seedlings, a bunch of mango scions seedlings i bought for grafting,2 pen dribblers for pricking out seedlings, transplanting of seedlings and required various types of nursery materials. Moringa oleifera seeds were bought readdress ,soaked overnight and later put on seedbed and will be transplanted to tubes on Monday next week. Some tender seedlings i bought not ready for resale still being natured and will be ready soon. I am ready to soldier on, improve on time loan repayment percentage,cater for family needs, school fees paid in time and other family obligations fulfilled. I thank you very much for financial services offered to me and may God the Creator bless you all abundantly. Thank you.

John    Jun 19, 2022

Thank you very much for financial support provided to me by zidisha platform and i am very happy. The purchases increased production output thus quite number of filled up potted tubes increased by 7443 pieces. These tubes are watered regularly and small tender seedlings were pricked out thus will improve tree nursery income soon. Types of seeds and seedlings were also bought like moringa oleifera,paw paw seedlings, some mango scions seedlings for grafting,2 pen dribblers and other various types of nursery materials. It also improve the beautiful appearance of nursery thus appealing to public. Moringa oleifera seeds were soaked, put on seedbed and will be transplanted to tubes in 8 days. Some tender seedlings i bought not ready for resale still being natured and will be ready soon. I am ready to soldier on, improve on time loan repayment percentage,cater for family needs, school fees paid in time and other family obligations fulfilled and lastly worship merciful God, the creator of this universe by attending church services on Saturdays and i don't work on this blessed day.

John    Jun 3, 2022

Thank you so much my dear lovely lenders for supporting me financially and this will definitely increase my credit status and provide for my family. With the money i received amounting kshs 1071,I bought packets of potting tubes, packets of razor blades for grafting seedlings, moringa oleifera seeds and plastic dribbler for pricking out transplanted seedlings. Thanks so much for the quick financial response offered by zidisha platform.

John    Dec 21, 2019

I would like to apply for loan.However loan application is denied.Sending messages through help page is not also permitted.Application to receive members loan fund and credit risks are also not accepted. I need zidisha team to help me.

• Lotus Flower    Dec 22, 2019

  I'm sorry to hear about the problem; however, the Zidisha Team: www.zidisha.org/team (a.k.a. "the Staff) almost never visits the
  borrower-lender Discussion page of any individual borrower, so the only ways to send them a note that they'd be likely to see would be through the HELP link in your account or, since you said you can't due that, apparently because of a technical problem affecting your account, have someone else you know who's a Zidisha borrower send a note to them for you via the
  HELP link in their account (make sure they include a link to your Zidisha profile). Then, be very patient, as there currently are only two (2) people on the Zidisha Team (Staff), while there are hundreds of thousands of Zidisha members they try to serve.

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John    Dec 21, 2019

Hello zidisha team and lenders. Thank you so much for supporting me financially, my family and my tree nursery.I am very sorry for not paying loan in time.This happened because some county council askaries hired by a private developer who bought the entire plot destroyed my seedlings, materials and removed my tree nursery.This affected my financial status,lives of family affected and state of payment of loan also interfered with.With the good rainfall, production of seedlings increased,sales of some seedlings also done well and this aided me to finish loan balance.Thank you so much zidisha team and my good lenders.

John    Dec 11, 2019

Transferring seedlings to a new place because tree nursery was destroyed by county askaris.

John    Oct 7, 2019

My tree nursery was destroyed by county council askaries and relocated to another not suitable for this type of business.In due course,I will adjust and adapt to the situation.

John    Jun 11, 2019

Thank you so much Laurie.A political and economical greedy capitalist,private developer attacked my tree nursery and destroyed my seedlings. Most of these seedlings were thrown in the lake and roughed me up like astray dog.I was feeble and I could not fight back. Fortunately God blessed me with a new site with adequate water, forester also gave me some tubes,materials and good quantities of seeds of various trees to begin with. I started buying some good seedlings from other government tree nursery and reselling them to make profit. There is adequate rainfall and good demand for grafted mango and citrus seedlings. I had already started paying as scheduled with the aim of completing my balance with ZIDISHA and improving my tree nursery. Thanks for being patience and I am eager to settle all arrears and increase good relationship with my lenders and entire ZIDISHA team. Thank you.

• Lotus Flower    Jun 11, 2019

  I'm very sorry to hear about what you went through, John.
  
  Re: "...roughed me up like a stray dog...", not even a stray dog ever should be roughed up. I cannot stand violence, most especially against someone in a weaker position.
  
  You know, I'm a very liberal progressive in most things, but one of the areas I'm the opposite is when it comes to ridding society of individuals and groups who with greed and/or malice in their hearts inflict harm on others such as what happened to you. Anyone who creates fear in others like that, or who spies or who does any other underhanded thing that causes ongoing fear, such as gaslighting or other types of bullying, I think the death sentence should be imposed immediately and I think it should be carried out immediately upon sentencing, in cases where there is zero doubt about who the perpetrators are. (It should be carried out in a humane manner, though, with two-shot euthanasia, such as other animals are allowed when terminally ill, for example. And, in a way, IMHO, these people are terminally ill.) Unfortunately, though, there isn't any legal way to impose that sentence immediately, and even if eventually imposed, judges don't have the option to have such sentencing carried out immediately, or even to apply that sentence in some cases.
  
  In any event, my reasoning is threefold: (1) nobody would have to be afraid of those individuals anymore; (2) the world is already overpopulated (see info about that on my profile page) and better to keep only people around who are good, kindhearted people (even some Mafiosos are kindhearted to their blood relatives or to their close friends, but that does not make them good people); and (3) we are spiritual beings, and the fastest way for soul growth to occur is to return Home where a much broader perspective is experienced for the soul to realize and understand errors made. I don't think in terms of punishment, but rather in terms of "they know not what they do" and they need to learn, and for most such types that's not likely to happen here on this Earth. I also think in terms of protecting former and future victims. Some say the death sentence doesn't deter crime, overall. Well, I say at least it does deter some crime, to the extent that those particular individuals would not ever again be doing the evil that they've done.
  
  As you might guess, I'd never be selected for jury duty in any criminal case, lol. ;)
  
  You're in my prayers, John, for your tree nursery to succeed, and for you to have peace.
  
  Kind regards,
  Laurie

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John    Jun 7, 2019

My tree nursery was destroyed by town council personnel and forcibly moved from original site to a new place because of a greedy private developer who bribed his ways to steal the land.I'm very sorry for not paying as scheduled.

• Lotus Flower    Jun 8, 2019

  I'm sorry to hear about this, John. Good for you, though, for the courage to call a spade a spade. And don't worry, karma will catch up with them, eventually. Don't do anything to harm them. Let the universe take care of the karma. It will. Nobody ever gets away with malicious intent toward others (including toward the environment) forever. Nobody ever gets away with greed forever, either. Karma will catch up with them. In the meantime, just keep on keeping on, the best that you can, growing trees and maintaining goodwill in your heart and good stewardship of the planet, as best as you can each day. (When you can, you may want to read my profile page.) You have my respect far more than any greedy developer or any other greedy person ever would.
  
  Kind regards,
  Laurie

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• Lotus Flower    Jun 8, 2019

  John, are you able at least to make a small partial payment? If you make a small partial payment (even if only the equivalent of $1), I think the system would then allow you to reschedule again with a smaller installment amount.
  
  It's much better to pay something on the due date or within the ten-day grace period after the due date (for the payment to be considered on time) than to skip any scheduled installments.
  
  Keep in mind, too, that at Zidisha, only on-time and late payments go into the calculation of the on-time repayment score. It's important always to pay on time (as defined above) and never to pay early or late. Then, your on-time repayment score would rise (and after it reaches 90%, then you would qualify for a credit-limit increase for your next loan).
  
  Best wishes,
  Laurie

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John    Jan 24, 2019

At this time ,seedlings are not adequately sold due to intensity of drought thus less sales.School fees are also required to be paid for the children.Lastly, after motorcycle accident in the course of last year, i am trying to start nursery activities again .All the arrears will be paid well.

John    Oct 8, 2018

I would like to reduce rate of payment because there are less sales of tree seedlings due continued drought intensity and most of these seedlings are still small and tender.Thanks ZIDISHA team.

John    Sep 2, 2018

I had an accident immediately after receiving disbursement and my wife was sick and admitted in hospital. Due to these factors, it affected my tree nursery activities, family and also lives of children. But I promise to pay all the arrears. Thanks so much for the financial aids.

Racheal    Sep 1, 2018

I have talked to John Kaseme , he says hes not so stable financilly at the moment but the little amount he gets he will keep paying. He says he will pay his next loan this sunday.

John    Jul 29, 2018

Thanks so much for the disbursement of loan. I'm very very sorry for not paying loan since 03/06/2018 as stipulated. I was faced with unusual family issues,accident and my dear wife was sick,admitted in hospital but I'm willing to pays as required. I have already paid KES. 2000 and hoping to pay all the loan balances. Thank you Zidisha team and all lenders.

Racheal    Jul 23, 2018

I have talked to him, he says he had an accident so he was unable to pay, he used the cash for his treatment but he will honor his payment this Friday 27th July 2018

Racheal    Jun 18, 2018

Dear lenders, I spoke to John and he promised to start paying his loan very soon. He has some financial difficulties which he hopes to sort out soon.

V.M.

John    May 28, 2018

Thank you very much for the disbursement of this loan. I am so happy for the financial support given to me by dear lenders. With the amount disbursed, I had bought two new horse pipes for watering seedlings in the tree nursery, 2 lorries dug,ferried from Gembe hills where there is good loamy soil suitable for planting and production of seedlings. Good quantity of planted seeds of plants, mango scions, vegetative layers of flowers and plants, seeds of types of grasses good for gardening of compounds, citrus seeds,marcoated scions, seeds and layers of flowers, buds for budding seedlings, 2 pruning knives, 6 packets of growth hormones for grafting, 4 packets of soft polythene, Vaseline oil,5 pen dribblers for pricking out seedlings, soft woolen cloth for wiping moisture content, 2 small rolls of masking tapes,3 pairs of hand gloves for work in the nursery, 2 watering taps and their stands,digging decomposed cow dung from a friend's home,5 litres of petrol for pumping water from lake to water tank and other tree nursery requirements are also bought for the full propagation of seedlings. These materials purchased will surely increase income by 50%.Currently there is adequate rainfall in Mbita community and its vicinity thus conducive for good nursery works.

John    May 23, 2018

First,thank you so much my lovely, caring and supportive lenders for financially supporting my tree nursery and entire family.May God the Creator of this planet earth bless all lenders,Julia and entire ZIDISHA team for fully funding my loan within a short period. God bless lenders' family ,the founder of this unusual platform and add more to their financial status to help other poor people like me.Thanks again zidisha lenders and the whole platform.This amount will be used to buy two new horse pipes for watering seedlings at a cost of KES 5000,digging 2 lorries of loamy soil in Gembe hills and transferring it to tree nursery at a cost of KES 10000,searching for mango scions, citrus seeds,buds for budding seedlings, planted layers,grafted stocks for grafting, beautiful and contrasting flowers for gardening of compounds and beautification of homes, marcoated scions and so many types of planted vegetation all at a cost of KES 8000,6 packets of growth hormones,4 packets of soft polythene for vegetative propagation of seedlings, 5 pen dribbers for pricking out seedlings,two new pruning knives, masking tapes for grafting, 2 soft woolen pieces of clothes for wiping moisture during grafting and budding seedlings, vaseline petroleum jelly for smearing on the surfaces and some other necessary requirements in the nursery all at a cost of KES 4000,3 pairs of plastic gloves for protective measures, 2 plastic watering cans,8 kg of various types of seeds for plants, flowers and grasses for beautification and adding 2 more water taps and their stands at a cost of KES 4000.Buying decomposed cow dung and some made fertilizer,purchasing petrol for pumping water in to the water tank for watering seedlings at a cost of KES 500.The advantage with this kind of work,the Kenya government and county government of Homa Bay does not charge any levies from me because I am promoting afforestation, maintaining and safe guarding sustainable environmental resources within the lake Victoria, schools, governmental institutions, churches,communities and the nearby vicinity take seedlings for planting in their places.Kenya forest services also gives me some materials, education on afforestation and environment and gives me opportunities to attend forest forum and workshops. Thanks ZIDISHA.

John    May 23, 2018

Thanks so much to all ZIDISHA lenders supporting production of seedlings in my tree nursery. Due to financial services offered by ZIDISHA lenders, aided me to leave following politicians and concentrate in propagation of seedlings to make environment green.Thanks you very much Mr Jim Vandegriff and other ZIDISHA lenders. Please help me to depend on my own to mint money in the tree nursery to provide basic and secondary needs to my family.Thanks lenders.