Yator

Nairobi-pipeline, Kenya

12% repaid

Entrepreneur

Name

Yator

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

6

None

1



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Loan Info

Project Type

Classic Loan

Disbursed amount

$1,134.00

Date disbursed

Dec 29, 2013

Repayment status

Late

Projected term

77 months

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

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

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  • Yator    May 26, 2015

    dear lenders i pledge to resume my payments next week

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  • Yator    Apr 1, 2015

    hi lenders;
    just informing that i have made small payment and opefilly i will add more reoaynents next week.
    Thank you.
    kimosop.

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  • Yator    Mar 12, 2015

    HI lenders i would like inform you that i am doing well,and will be preceeding next week on repayments
    Thanks ....................................................

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  • Yator    Feb 24, 2015

    Dear lenders,
    i would like to say i have made to small installments i will be trieng also to make one week end as i continues to regain.thank you.......................................................................................

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  • Yator    Feb 4, 2015

    dear lenders,
    i op e you are doing great,i wish to let you know that i will once again make a small payment nest week.i believe as time goes i will be able to increase my weekly repayments,
    thank you

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  • Yator    Jan 19, 2015

    dear lenders,
    i trust that you are doing well.as earlier noted to you,my repayments will be smaller as i still regain my financial stability.these will enable me make small payments as my business picks...........................................................................................
    Thank you and be blessed.

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  • Yator    Dec 30, 2014

    dear lenders,
    i hope you are doing well,i will be making another small payments next week.i hope you will bear with me as i make small payments until i regain well as before.
    Thank you and be blessed!
    i hope you are doing well,i will be making another small payments next week.i hope you will bear with me as i make small payments until i regain well as before.
    Thank you and be blessed!

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  • Yator    Dec 15, 2014

    Dear lenders,
    i will still keep my promise to making payments and completing my loan.still my finances are abit low .but i will catch up as soon as possible.
    Thank you and be blessed.
    Dear lenders,
    i will still keep my promise to making payments and completing my loan.still my finances are abit low .but i will catch up as soon as possible.
    Thank you and be blessed.

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  • Landei    Dec 12, 2014

    Thank you for the repayment, I appreciate it very much that you try to keep up.

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  • Yator    Nov 20, 2014

    dear lenders
    It has been a bit long since i paid my installments as expected.untill i will be financially stable that i will pay my loan well.but now i will keep paying in small amounts.Thank you
    dear lenders
    It has been a bit long since i paid my installments as expected.untill i will be financially stable that i will pay my loan well.but now i will keep paying in small amounts.Thank you

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  • Alexandra    Nov 10, 2014

    Hi Yator, I hope your business is prospering. I am wondering when we may expect to receive another payment?

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  • Yator    Oct 10, 2014

    DEAR LENDERS,
    i have not been in a good position to make constant payments abut i will be planning to do these soon.i have been administering my sick cousin at the hospital while all the expenses lies upon me.
    i ope i will soon get to track but meanwhile i will be making small payments.
    THANK YOU.

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  • Yator    Sep 12, 2014

    dear lenders,
    i am still requesting to be given time since i am not yet settled as i recently had a problem which i am almost through with it.Thank you.

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  • Mercy    Aug 22, 2014

    Hi talam.Hope this finds you well.I wanted you to help me contact benard rotino bartuiyot.I have not been able to reach him on phone and he is still due with arrears.I am aware that you invited him so kindly help me track him.I am his VM
    Thanks
    regards,mercy

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  • Yator    Aug 16, 2014

    JAMBO LENDERS,
    I AM JUST LETTING YOU THAT IT HAS BEEN LONG BEING HERE DUE TO MY EXAMS BUT I WILL BE NOW RESUMING TO MY PAYMENTS AND ALSO FOLLOWING ON SOME OF THE BORROWERS WHOM YOU HAVE REQUESTED TO CHECK ON THEM PREVIOUSLY.JAMBO LENDERS,
    I AM JUST LETTING YOU THAT IT HAS BEEN LONG BEING HERE DUE TO MY EXAMS BUT I WILL BE NOW RESUMING TO MY PAYMENTS AND ALSO FOLLOWING ON SOME OF THE BORROWERS WHOM YOU HAVE REQUESTED TO CHECK ON THEM PREVIOUSLY.
    THANK YOU.
    KIMOSOP
    THANK YOU.
    KIMOSOP

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  • Yator    Jul 28, 2014

    AMBO LENDERS,
    I AM JUST LETTING YOU THAT IT HAS BEEN LONG BEING HERE DUE TO MY EXAMS BUT I WILL BE NOW RESUMING TO MY PAYMENTS AND ALSO FOLLOWING ON SOME OF THE BORROWERS WHOM YOU HAVE REQUESTED TO CHECK ON THEM PREVIOUSLY.
    THANK YOU.

    I AM JUST LETTING YOU THAT IT HAS BEEN LONG BEING HERE DUE TO MY EXAMS BUT I WILL BE NOW RESUMING TO MY PAYMENTS AND ALSO FOLLOWING ON SOME OF THE BORROWERS WHOM YOU HAVE REQUESTED TO CHECK ON THEM PREVIOUSLY.
    THANK YOU.
    KIMOSOP

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  • SammyGeorge    Jul 15, 2014

    Do you know if Joseph Ndungu is ok. He has stopped paying?

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  • Henry    Jul 14, 2014

    CNGRATULATION YATOR FOR YOUR BUSINESS AND I THANK ZIDISHA FOR THIS LOAN UP TO DATE.

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  • Yator    Jun 25, 2014

    JAMBO LENDERS,
    I AM JUST LETTING YOU THAT IT HAS BEEN LONG BEING HERE DUE TO MY EXAMS BUT I WILL BE NOW RESUMING TO MY PAYMENTS AND ALSO FOLLOWING ON SOME OF THE BORROWERS WHOM YOU HAVE REQUESTED TO CHECK ON THEM PREVIOUSLY.
    THANK YOU.
    KIMOSOP

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  • Yator    Jun 25, 2014

    i have been trying my best to communicate those i invited just that i have realize most of these invites i was given by some of my friends who are also assisting me,i have not been on my account due to my studies but i promise to keep following these borrowers.
    Thank you.

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