Mobile-money and food supplements businesses

Bayor

Tumu, Ghana

22% repaid

Entrepreneur

Name

Bayor

Member since

July 2017

On-time repayments

178 installments  •  62%

About Me

Am Bayor Yussif mashuud, am from Ghana west Africa. Upper west region of Ghana and Tumu to be specific. I went T I Ahmadiyya kG, primary school and junior high school. From 1993 to 2006. After which I enrolled into Kanton senior high school. All in Tumu.

I really went through alot of hardship during my school days, my parents were poor and did not have enough money to cater for me and my brothers. We usually go to school on empty stomach. We had no money to by our school materials like books, but with determination we have emerged Victorious.

Coming from a poor family, and being the senior son of my dad, I was determined to raise money to cater for my family. So gather little money from the farm work my parents were doing and that's how come I started selling my food supplements.

The food we eat n our traditional dance makes us unique.
I just got married last year. So I don't have kids yet. But if am blessed with kids, I will encourage them to do their own business instead of working for govt or other people.

Reading story books n playing foot ball are my hobbies,
the past i had was the recent celebratiom of our annual which usually comes off at the end of our harvest season. Where all farmers will select the big yams among their harvest and send to the cheif palace. The one with the biggest yams will selected the winner as the winner and awarded by our cheif.
This period is also used to thanks the gods and the ancestral spirits for their production in the past year. Its really lovely and fosters unity among us.

My Business

Am Bayor Yussif mashuud, I deal in food supplements. My products are used in treating chronic illnesses like diabetes and hypertension. I chose food supplements because of the increasing number of people suffering from these chronic illnesses.
I use 888.00 Ghana cedis to buy one package and I make 25% profit on each package.

As a married man. I use some to cater for my family. I also reinvest some into my business.
I promise to be committed if my loan is approved.
Zidisha is really a good place to be, am really grateful to be here. Am really making improvements in my life with this loan. This is a dream come true. I intend to become a lender in the near future, so I can also give to society what I benefited from zidisha. Thank you my lenders.

Am also into Mtn mobile money as a merchant, I make atleast $100 a week from the mobile money business, things are really good for me, I have future investment plans of dealing in stationary, building materials, boutique and many more, my aim is to become a multi billion dollar business man having chains of businesss. I intend to become a lender in the near future. So I can also help other people get to my level.

I like helping others in need. And so I have adopted some orphans which am helping out in my own little way.
I promise to abide by the terms and conditions of zidisha, I also promise to help in any little way to improve the services that zidisha provide.

Loan Proposal

I will use these loan funds to purchase nutritional suppliments and sell to my costumers. I have lots of costumers who usually purchase my products especially those with chronic diseases like diabetes, hypertension and many more.
I do spend $750.00 and my profit is usually 25% of the amount spent.
Because of this business life has become comfortable for me and my family.
I thank you my lenders

Feedback

None

None

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Loan Info

Project Type

Classic Loan

Disbursed amount

$521.00

Date disbursed

Aug 9, 2018

Repayment status

Late

Projected term

36 months

Lenders

A

Anonymous

United States

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  • Kenneth    Apr 22, 2021

    Has promised to make payment next week

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  • James    Feb 24, 2021

    He said he will make payment by the close of this week.

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  • Bayor    Jan 22, 2021

    I will make payments soon

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  • Isaac    Jan 22, 2021

    Bayor said he has a problem and he is volunteer mentor he knows what to do

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  • Isaac    Dec 22, 2020

    One of Bayor reference told me she will send my message for him to repay the loan

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  • Bayor    Nov 20, 2020

    Business is slow. That is why I want to reduce my instalment.

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  • Bayor    Nov 20, 2020

    Things are difficult, so please allow me to reduce my instalment

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  • Bayor    Nov 20, 2020

    Thi

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  • Bayor    Nov 18, 2020

    Things are difficult, so I want to reduce my instalment

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  • Isaac    Nov 18, 2020

    Bayor,told me he will login into his account and make the payment

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  • Bayor    Sep 15, 2020

    I have not made enough cash to pay for the instalment amount. So please permit me to change my amount.

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  • Bayor    Aug 27, 2020

    Due to covid19 pandemic, business environment is very bad, so please permit me to review my installment amount.

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  • Bayor    Aug 17, 2020

    My dear lenders, am really sorry for the late repayment. This was due to the changes in the mode of making payments to zidisha. I actually tried to make payments on the 17 of July, but the system did not allow me. Am really sorry. I can assure you that payments will be made soon.

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  • Kusi    Jul 29, 2020

    I just called him and he said he will make payment soon!

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  • Bayor    Jul 13, 2020

    Business is so slow that is why am reducing my weekly amount to enable me pay.

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  • Bayor    May 31, 2020

    The Covid 19 pandemic is seriously affecting my business, I will like to reduce my installment amount so I can pay it easily.

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  • Bayor    Apr 9, 2020

    My business has been hard hit by Covid 19. So kindly grant me the permission the adjust my installment amount to the amount I can pay. Thank you

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  • Kusi    Feb 26, 2020

    He said he want to adjust and pay back.

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  • Bayor    Feb 25, 2020

    Am still working hard to bring my business back on track. So please permit me to adjust the amount I can comfortably pay

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  • Bayor    Feb 17, 2020

    Dear lenders please help me contact the zidisha team to help retrieve the login details of a Co member. We have tried all we could to reach them but all our efforts are proving fuital. Please help. The colleagues name is Amina Quender. Thank you.

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