Loan to buy tricycle or motorbike for pick-up and delivery

Edem Kwasi Senaya

Accra, Ghana

100% repaid

Entrepreneur

Name

Edem Kwasi Senaya

Location

Accra, Ghana

On-time repayments

226 weekly installments  •  93%

About Me

Senaya Edem Kwasi is my name. I am a Ghanaian and comes from Ho, in the Volta Region. I was brought up in the village until I was about 12 years old before my father brought me to the city to be educated. Thus, I started my education at the age of 12 years. I was a little matured for my class but have to cope. When I got to stage 5, my father asked me to stop schooling and learn fitting (Mechanic). He gave me two options as to whether I would want to become an apprentice mechanic or go to school and leave his house! I chose the latter and had to be on the streets working whilst having education on my mind. I did that for some time, gather some money and then travel to Benin in order to pursue more menial works. During this time, I have been saving judiciously so as to continue my education. 
I enrolled in a private school to complete my primary education after some periods of hardwork. I enrolled in stage 6. After completion of primary education, I then enrolled for Junior high school education which is three years in Ghana. The only way to work my way through is to be working whilst going to school and studies became very difficult because I am always tired at the end of the day. Luckily for me, I had a penpal from Canada who decided to sponsor my education and I had to study hard. I sat for the final exams in the second year, came out as the second best student and had admission to read science at the secondary school level. I had my secondary education at Mawuli Senior High School in Ho. 
I sat for the final exams which is the West African Secondary School Certificate Examinations and came out with a very good result which led to my gaining admission to the Kwame Nkrumah University of Science and Technology, in Kumasi to read Civil Engineering. 
Financial burdens at the university in the first year was very tough for me until I had a full scholarship. The scholarship was offered to me by Educational Pathways International (www.educationalpathwaysinternational.org) after I have applied and attended an interview. It made life a little easier for me and I had to study hard in order not to be taken off the scholarship. By God’s grace, I graduated from the University with a second class upper honors degree in Civil Engineering. I graduated from the university at the age of 28 years! I did the compulsory national service and have gotten a job with a Chinese company where I worked for about four months. 
I am a determined person and always pursue my dreams till the finish line. 
It has been my desire to make life a little easier and create opportunities for people around me. So with this in mind coupled with the high unemployment rate in Ghana, I have decided to form my own construction company. It has been duly registered and I have obtained license for operation last year. The name of my company is Conciv Engineering Limited. Conciv is currently in operation but on sub contract basis.

My Business

Conciv Engineering Limited (CEL) is a construction company formed in the year 2015. The main idea behind the formation of this firm is to provide employment to the many unemployed youth in Ghana and also bring relief to others by providing them with quality services at an affordable prices. 
The mission statement of CEL is : To become the number one construction and infrastructure development company in Ghana, a national player who safely, profitably and sustainably delivers best-in-class integrated services, products and solutions to meet our client’s needs.
The vision statement of CEL is: Bridging the infrastructural development gap between the rural and urban centers.
CEL intends to provide infrastructural development mainly to the rural and peri-urban areas of the country. Several of the rural areas in Ghana are faced with very challenging issues in terms of infrastructure and it breaks my heart when I travel out of the city and meet some of this developmental trail. To realize the vision of CEL of bridging the infrastructural development gap between the rural areas and the urban centres, CEL intends to and has begun carrying out research in rural areas about the infrastructure that is needed and how it will benefit the said community. 
Some of the communities visited do not have schools! The children therefore have to walk for long distances before getting access to education. It is interesting to know that, all these children with lack of these facilities compete with the children in the urban centres for the same examinations. The results coming from these rural folks is nothing to write home about and the least said about them the better. 
I know the value of education through my personal struggle to get myself educated. I therefore want to in my own way give others the same opportunity by providing them with these infrastructure.
After carrying out a research and coming out with a solution. CEL then carry out all the designs involved and the cost of providing that infrastructure. From there, then we raise funds from the public to carry out the construction. Most of these rural areas have big firms that are operating there such as the oil industry, mining industries amongst others. We intend getting in touch with them to provide funds for this development.
There are different sides of this coin! Doing this will create employment to others and also providing the community with something valuable. 
I believe that, the beginning of everything is not easy and there must be sacrifices. I therefore intend to use my salary from my current employment to repay this loan. It is difficult raising capital for a startup business but I am very confident to be able to raise capital through Zidisha in order to realize my dreams. 
CEL have bid for projects and have won a couple of them but do not have the pre-financing ability to finance it. I am optimistic that, I will be able to build a startup capital for my construction company through partnership with Zidisha lenders. 
You can look at some of our activities on facebook by liking our page just by typing Conciv Engineering Limited or using the handle @Conciv2015. 

Loan Proposal

Dear Lenders, My last loan help me set up Conciv Laundry which is in full operation. Sales per week keeps rising and we have currently opened a collection point. This collection point is currently increasing our sales but we are spending so much on pick up and delivery and is planning to get a means of transportation either a tricycle or a motobike that we shall be using for the delivery. We have also introduce mouth watering offers that a lot of people are signing up on and business seems to be picking up gradually.

I will be glad if this loan can be funded for me to take up the next challenge. Thank you.

Feedback

2

None

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  • Margaret    Nov 4, 2019

    Perfect repayment!

    Log in to reply • Share
  • Chris    Mar 14, 2017

    I think money is in good hands at Edem. I will support him again without a doubt! Good Look in future!

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    • Edem Kwasi Senaya    Mar 14, 2017

      Thank You very much Chris! You've been good to be in my last loan when you single handedly financed it. I promise to be on time with the repayment of this current loan am seeking. Zidisha is been of a great help to me since I have the chance to decide on how much I pay and also I do not pay interest on the loans given. I just have the responsibility of making sure I repay everything back on schedule. I am also hopeful that I will get more ideas from you about how to run my firm successfully. I am happy to see a lot of people supporting this my current campaign. God bless you all.

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      • Chris    Mar 15, 2017

        Im from the Business... ask what ever you need to know :-) Would love to share knowledge!

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        • Edem Kwasi Senaya    Mar 28, 2017

          Thank You Chris! I will bring up all my questions and new businesses I will love to venture into and how I want to go about it for your advice. Thank you in advance.

          Log in to reply • Share


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Loan Info

Project Type

Classic Loan

Disbursed amount

$2,104.07

Date disbursed

Mar 16, 2020

Repayment status

On Time

Projected term

11 months

Cost to entrepreneur

Service fee: $185.28

Credit risk payment: $278.00

Lenders

A

Anninymouse

Southampton, United Kingdom

C

Cblodgett

Zurich, Switzerland

W

WilsonLending

Atlanta, United States

Brian

Midhurst, Canada

valentin

Stockholm, Sweden

investor

Candiac, Canada

Umair Mahmood

Raleigh, United States

G

garrybuck

Oro Valley, United States

S

SueB1

Los Alamos, United States

AltruisticSelfishnes

Chicago, United States

snapcore

--, United States

lietu

Tallinn, Estonia

DeanDropshot

Oslo, Norway

Charmonica

London, United Kingdom

Rdcmole

Cincinnati, United States

F

Forba

Mo i Rana, Norway

F

Fiodal

Helsinki, Finland

artnking

College Place, United States

Kjartan

Oslo, Norway

MarktheMormon

Sandy, Utah, United States

Scott

Oregon, United States

F

FHult

Stockholm, Sweden

L

ldron7

Utah, United States

Martin

Manama, Bahrain

ZlataRoy

Cheltenham, United Kingdom

T

Tallago3

Munich, Germany

Pere

Barcelona, Spain

johnandmoliehi

Canton, New York, United States

C

cjmenchaca

Austin, United States

A

AlexCheng

Seattle, United States

L

lujabe

Melbourne, Australia

Krtecek

Balzers, Liechtenstein

G D Export

Kolkata, India

Karilynn

Mountain View, United States

C

chrisherron

Chicago, United States

A

anonymous123

United States

G

graememoss

Amsterdam, Netherlands

Mannysgirl

Surrey, Canada

D

duckdork

De Forest, United States

Erica

Caledon, Canada

G

glomardor

Leonardtown, United States

Cloudways

Malta, Malta

Ellwood

Wimborne, United Kingdom

B

bugsheep

Houston, United States

lorello

Vicopisano, Italy

Paul and Rachel

London, United Kingdom

S

SvenWaage

Stavanger, Norway

mtnsailor

Harrisonburg, United States

danielytao

Boston, United States

Christopher

Copenhagen, Denmark

P

Peksa

Espoo, Finland

HMS_5th_Grade

Honolulu, United States

fairspirit

Utrecht, Netherlands

K

kikusin

Shanghai, China

camilberlin

Berlin, Germany

MichaelOsburg

Hochheim, Germany

C

cardiff

Falls Church, United States

Z

zedoud

Hamburg, Germany

J

Johannes

Pirmasens, Germany

BF

Bob Fitzjohn

Fontvielle, Monaco, Yemen

G

Goldrivermob

Gold River, Canada

A

Andrii

Kiev, Ukraine

M

Moonknight

Østre Gausdal, Norway

K

Krishroff

Dubai, United Arab Emirates

paulclinton

malaga, Spain

B

Bokolo

Leeds, United Kingdom

H

HobbyCollector

Beach City, United States

S

Smith

Kespu'kwitik, Canada

R

RCHeying

Marietta, United States

D

DavidJSmu

North Attleboro, MA, United States

O

Ohio

Ohio, United States

JonB

London, United Kingdom

ibc123

Seattle, United States

H

harrymore

Townsville, Australia

xtrahardware

Cazenovia, United States

B

BMcDermott

Washington, DC, United States

markpearson

Portsmouth, United Kingdom

HealthcareProvider

Baltimore, United States

MrMichigander

Marquette, United States

fransk

Culemborg, Netherlands

mikeice

Kohler, United States

sderickson

Berkeley, CA, United States

pvilliger

Zurich, Switzerland

P

Peaches

United States

N

nycjen

United States

R

rossgarlick

United States

Bivouac

Hillsboro, United States

S

spivurno

United States

D

dagjomar

Trondheim, Norway

N

nswanberg

United States

J

jenda

Czech Republic

B

bugdaniel

Switzerland

Insomnus

Cheltenham, United Kingdom

J

jsbisa

New Orleans, Louisiana, United States

B

bscent

Hong Kong

V

vbud

United States

TyrynyRed

United States

K

Keith

Luxembourg

Otto Barten

Amsterdam, Netherlands

Andrew267

Birmingham, United Kingdom

P

pnrjulius

United States

himynameismartin

Czech Republic

Mike and Jacqui

United Kingdom

HL

Holly Laird

Austin, United States

S

Stephan

Netherlands

JL

Joao Leal

United Kingdom

Nigel Titley

Milton Keynes, United Kingdom

Joerg

Velen, Germany

Dave Bogard

New York, United States

W

Wade

United States

Kai

Nuremberg, Germany

DF

Daniel Fehr-Krahn

Winnipeg, Canada

Laurie

United States

C

Chitti421

United States

Craig

Memphis, TN, United States

E

erica

antwerpen, Belgium

moursund

Beaver Nation, United States

Julia

United States

Kevin

San Francisco, United States

JC

JD Conley

United States

I

Ian

United Kingdom

C

cota

United States

YM

Yelka Mikolji

United States

George

Corvallis, Oregon, United States

S

Stein

Diest, Belgium

ME

Manaal Eisa

Washington DC, United States

CNV

United States

Cristina Huesch

Canberra, Australia, Australia

PT

Paul T

Amsterdam, Netherlands

Emma

Australia

TH

tom hd

United Kingdom

Carla

Amsterdam, Netherlands

R

Rembrandt

United Kingdom

F

Frits

Rotterdam, Netherlands

PR

Paul Rausch

United States

Mattie Shaw

Seattle, United States

Isabella

UK, United Kingdom

N

Nick

United States

E

eriklonnroth

United Kingdom

Aran Dunlop

United States

Jennifer

Berlin, Germany

DL

Dan Lawrence

United States

Carl D Patterson

United Kingdom

Paul Smithson

Leeds, United Kingdom

Amanda Orson

Stamford, Ct, United States

A

Adam

United Kingdom

M

Mark

United States

Diego

Monza, Italy

P

Peter

Bratislava, Slovakia

Eugen Stamm

Zurich, Switzerland

Christopher Hey

Sudbury, Canada

T

Tucker

United States

Taylor

Memphis, United States

Cliff

United States

EB

Ellen Batten

Kalamazoo, Michigan, United States

MP

Minah Park

Republic of Korea

Wayne G

United States

AV

Alex Victor

Scottsdale, United States

OH

Orion H.

United States

SH

Steven Huntington

London, United Kingdom

UK

Uday Kolluri

New York, Singapore

Rory McLaughlin

Dallas, United States

PC

Pedro Cambra

United Kingdom

Dan Michael

Oslo, Norway

Thomas

Sweden, Sweden

CC

Chris Cutter

United States

LD

Luã de Souza

Sydney, Brazil

Y

YTSJ

London, United Kingdom

Max B

Saint Louis, United States

D

Dermo

Dublin, Ireland

T

Tom

United States

MG

Michael Guthrie

United Kingdom

R

Rahima

United States

Stanislas L

London, United Kingdom

V

Vyas

United States

Philip Schueler

Newbridge, Ireland, Ireland

MR

Mean Rat

Netherlands

JC

Justin cohan

United States

S

stevensau

United States

R

Rolands

Taichung, Taiwan

Anonymous

Ocoee, United States

K

Katka

St Albans, United Kingdom

N

Noah

United States

K

Kristin

Washington, DC, United States

EthicalHost

Toronto, Canada

KE

Karen Epolito

Syracuse, NY, United States

T

tonym

Australia

GG

Gituru Gitumbi

Seattle, United States

PR

Priscilla Rathbone

Seattle, Washington, United States

MF

Marissa Fiore

United States

K

Kerry

United Kingdom

V

Vidar

Oslo, Norway

Claire

San Fransico, United States

S

Stephanie

Zurich, Switzerland

Remo

Lucerne, Switzerland

P

Phips

Switzerland

D

derek

United States

I

isaac

United Kingdom

GW

Gregory Wilkie

Halifax, Nova Scotia, Canada

RC

Rudi Chen

United States

Madeleine

Switzerland

A

Ashley

United Kingdom

KK

karl kerksiek

United States

B

Boris

Bern, Switzerland

Carla

United States

SB

Sue Bucholz

Sacramento, United States

MB

Mark Blatter

United States

Rose Life

Columbus, United States

Sara R

Leuven, Belgium

NG

Nick Gorrell

Surfers Paradise, Queensland, Australia

N

Nancy

United States

Derek Anderson

Yankton, United States

KW

Karsten Wenzlaff

Hamburg, Turkey

Tim and Kathy

Oregon, United States

M

Mike

Australia

G

Gil

Portugal

E

Elynne

United States

M

Maiia

United Kingdom

E Mac D

Luxembourg

L

LuZi44

Basel, Switzerland

JB

John Brown

United States

J

Julie

Los Angeles, United States

E

elissaclair

United States

Andrew Outhwaite

Geraldton, Western Australia, Australia

Julia Trigg

United Kingdom

M

Matthias

Australia

BR

Bob Reus

Netherlands

W

Wim

Netherlands

SA

Steve A

Newbury, United Kingdom

J

Jane

Australia

HPK

Switzerland, Switzerland

NM

Neil M

London, United Kingdom

K

Klasi

Germany

A

Adam

United Kingdom

CR

Christopher R

Denver, CO, United States

SS

Steve Smith

Winchester, Ma, United States

Myria

New Mexico, United States

Angela Linwood

Minneapolis, Minnesota, United States

RB

Ruth Brown

United States

A

AJ

United States

J

Joni

Finland

Ramon Maghsoudi

San Francisco, United States

EB

Erika Barraza

United States

Joseph Abell

Brisbane, Australia

United States

Kevin

United States

B

Brett

Australia

T

Tom

Switzerland

J

JT

United States

RG

Ravi Gadad

United States

AL

Adam Larkin

United States

Bill Ballew

Kansas City, Missouri, United States

J Laufs

Germany

Zack Stein

United States

RC

Roy Chicky Arad

tel aviv, Israel, Israel

I

ixeldog

atlanta, United States

GA

Giovanni and Yelena

New York, Ny, United States

JH

Joseph Hwang

Houston, United States

D

Dave

Dropmore, Manitoba, Canada

Chris

Zurich, Switzerland

Frosty

North Pole, United States

Sayuri

United Kingdom

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