Yator Tallams

Nairobi-pipeline, Kenya

12% repaid

Entrepreneur

Name

Yator Tallams

Member since

May 2013

On-time repayments

337 installments  •  7%

About Me

By profession, am accountant. Am pursuing a degree and am also working besides managing my business. Further more am tutoring accounting during my free times especially weekends.

I do belief that in any developing country business is key to success. It’s always a positive effect when it comes to exporting locally produced products hence upgrading economy rather than importing products.

With the proceeds I derive I normally try to expand my businesses. my business actually started as selling Milk then I combined to be also tea kiosk. There after I made some savings and started a furniture shop which is doing well now. With the proceeds I derived I also decided to be an Mpesa agent delivering safaricom services .I normally serves several customers that really calls for more and more capital.

Also, I have finished applying for cooperative bank agency so as to offer its services eg account opening, deposits especially rent payments through the agent etc. I do belief that with Gods blessing and your support I trust that whole my ambitions will be fulfilled.
I sincere hope that ZIDISHA MICRO FINANCE will help me achieve my dreams.

My Business

My business is situates at outering road pipeline area have more than one business in the same locality.

First I started with selling milk before I joined with tea and small food stuff. After that I came with furniture shop. I have employed carpenters and I have bought machines used to trim timber before usage

I come up with the business since there is a high rural urban migration where it initiates a high demand for the same.

Normally we make daily daily sales due to these. since we sell at affordable prices we make sales and enable me acquire profits which ensured that I expanded my business and now am yet to accomplish my degree at the same time.

Recently I successfully managed to acquire an mpesa services acting as an agent. With the same shop for mpesa I have also applied for COOPERATIVE BANK AGENCY to also offer services just similar to the ones offered in the bank. After meeting the requirements the agency might operate as soon as as possible.

I normally spent over ksh.100000 and in return I get over ksh. 50000 in net profits.
I normally face challenges like lack of capita to expand and in business like mpesa and cooperative agency it needs a good capital as the more I have the cash the better in meeting all the customers’ interests.

I sincere hope that ZIDISHA MICRO FINANCE will help me achieve my dreams.

THANKS.

Loan Proposal

Merry x mas to all zidisha fraternity.Its another Golden opportunity that i would like to take first by congratulating all Zidisha Lenders for the support that they keep according to us and to Zidisha staff for their handwork.
Once more i come to you again to apply for the third loan to enable me capitalize my newly opened M.pesa and cooperative agency till that will open officially on January.
My commissions right from my first businesses will enable me honor the agreement with zidisha a repay my loan earlier on time as i have done on the past.
Wishing you a prosperous new year.
Thank you!

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$1,138.54

Date disbursed

Dec 29, 2013

Repayment status

Late

Projected term

77 months

Cost to entrepreneur

Lender interest: $1,138.54 at 11.86% annual rate over 77 months = $862.12

Service fee: $256.56

Lenders

EricDWalters

Rochester, Mn, Usa, United States

investor

Candiac, Canada

P

Philippe

Adliswil, Switzerland

Blond56

Victoria, B. C., Canada

ErikN

Stockholm, Sweden

M

m_dennis

Toronto, Canada

Kjartan

Oslo, Norway

A

anonymus

Moon, United States

T

ToddK

Indianapolis, IN, USA, United States

R

Richard

West Sunbury, United States

MindMuse

Talking Rock, United States

B

Bavarian

Bavaria, Germany

russell

leicester, United Kingdom

Sundstroms

Falun, Sweden

JackiePAndTomT

Medford Lakes, United States

andreasol

Bielefeld, Germany

P

palombaro68

Roma, Italy

Landei

Sandersdorf-Brehna, Germany

T

Texas

Houston, United States

I

Ilona

St Catharines, Canada

S

SvenWaage

Stavanger, Norway

A

Andersson

Sölvesborg, Sweden

J

JakeK

Melbourne, Australia

T

tkromm

Agia Paraskevi, Greece

Ingela

Falun, Sweden

Bruno

São Paulo, Brazil

Sverre

Bergen, Norway

Maxey

Amstelveen, Netherlands

Alexandra

Vancouver, Canada

W

wally

Torino, Italy

Thilo

Germany

A

anagnan

BRUXELLES, Belgium

Greg1

Southampton, United Kingdom

E

Escalada

Bakersfield, CA, United States

C

CZC

Lake Zurich, United States

C

cranejoad

cazenovia, United States

Parkmobile

Fort Bragg, United States

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