Mobile phone accessories and mpesa

Priscilla

Keroka, Kenya

100% repaid

Entrepreneur

Name

Priscilla

Member since

February 2015

On-time repayments

171 installments  •  30%

About Me

I was born in nairobi donholm area.i undertook my primary and secondary level in donholm.life in the city was difficult but my family managed to sail through.handwork has always seen me through hardships,believing too.after high school with the help of my family i was able to start my own business which is operating an mpesa agent a service which enables transfer of money through mobile network at a fee.i have two daughters who are young and one is in nursery school and the young one is 9months old. my older daughter dreams of becoming so many things given that she is still young to understand, she is barely 4years. at times she wants to be a doctor, then like mommy, then a teacher.....but we are working hard to better their lives.my hobbies are socializing,singing and listening to music.

My Business

basically i offer services of withdrawal,deposit and customer registration to the Mpesa money transfer service.Mpesa which is owned by safaricom is a widely used service in kenya and almost everybody relies on this service, being an agent safaricom company pays us commission on the number of transactions carried out within the month in relation to the amount tnsacted and that's how we get to make profit.however the cash for deposit and withdrawal is provided by us agents.I chose this business cause it is easy to operate and since it deals with cash no loss is incurred in breakages or damages of goods.my typical cost is $167 but i use $890 for float and cash for transactions.the profit is $167-222.depending on number of transactions per month.that is the cash for withdraw and deposit.this does not change through the month.I use the profits to pay for my bills and fees and also save for the future and incase of emergencies

Loan Proposal

I normally use the loan to add to my mpesa float to enable me serve more customers with need for large sums of money.
my business involves money transfer via phone and I also sell a few phone accessories to supplement my income given that I have a family.
with the money transfer service am offering to customers I am able to earn commission depending on the number of transactions and also the amount transfered. The larger the amounts of money I handle the more my commission will be at the end of the month.
The loan will help me increase my earnings hence grow my business and also meet more needs for my family and also be able to repay my loan on time.
Finally,I had planned to buy my daughter a new pair of uniform and tracksuit,by the grace of God I got her the tracksuit but I was not able to buy her uniform,so if my earnings increase this round I will try my best to buy her that uniform.
Kindly help me dear lenders to raise my loan and I promise to repay on time. thanks alot and God bless.

Feedback

3

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Loan Info

Project Type

Classic Loan

Disbursed amount

$91.00

Date disbursed

Jan 19, 2016

Repayment status

On Time

Projected term

6 weeks

Lenders

WE

Wendy Emlyn

Devon, United Kingdom

J

jeananne

United States

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  • Priscilla    Nov 1, 2018

    Hallo lenders. I know it's been ages since I made any repayments but it's due to problems. Am still without a shop and Samuel has been in contact with me and I promised to pay buts it's been so hard. Please let me try from now onwards to repay every sunday. I have been really fine with payments with previous loans please bare with me. I will never change my numbers nor my emails, Samuel is my witness, because I am not running away from paying. Zidisha is based on trust. Please just have a bit of trust in me and give me more time. I will repay my loan in full. I will not be able to pay the 8700 at once but I will start repaying weekly like before. Thanks

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  • Samuel    Apr 5, 2017

    Hi Lenders, i have contacted Priscilla Namunyak and she explained that her stall was closed and she is looking forward for another one. She promised to continue paying the loan as she look for another stall.thank you.

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  • Priscilla    Jan 29, 2017

    I have been late several weeks due to financial problems. I was operating a mpesa kiosk and I got affected when our local government brought our kiosks down saying they were illegal structures. Up to date I have not managed to find a proper building to let and hence am out of business. Am hoping to continue searching for a shop and to also pay you back. My sincere apologies.

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  • Samuel    Oct 26, 2016

    Hi lenders, i contacted Priscilla Namunyak and she promised to resume paying her loan. thank you.

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  • Priscilla    Sep 10, 2016

    hallo lenders and all zidisha community. my apologies for delaying repayments for two weeks. I was sadly unwell and admitted in hospital for two weeks and hence had no one to attend to my business so I had no way of repaying back.I was also not able to communicate to you. hope you find it in your hearts to understand my situation. I promise to keep up my good record

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  • Priscilla    Jul 25, 2016

    hallo zidisha community. just to thank my lender and to also apologise since I forgot to mention the amount I received from you. I received $368 and its really helping my mpesa business serve more customers. Am sure my business will be a success at the end of the month. I will surely keep u posted

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  • Priscilla    Jul 14, 2016

    my daughters insist that I mention Mouhamed because he has put spongeBob as his profile picture. Thanks a lot all!

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  • Priscilla    Jul 14, 2016

    good morning to all zidisha community and to my lenders for indeed today I woke up to a message of money in my phone just wanted to thank you for the support and its my prayer that today too will continue to bring good tidings for me and my business.
    this time round I have a very list of lenders 153 to be precise I may not be able to mention you all but I thank you all for your support especially ads68,maple,the zinc team,Craig Newmark,Paul Graham, michael4d2 for always coming through for each time I post a loan proposal. thanks all and God bless.

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  • Priscilla    Jul 12, 2016

    hallo to all my Ienders am so greatful this day with my loan having been fully funded I will put it all in my mpesa business and this will enable me pay my daughter's policy with ease. God bless you all

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  • Priscilla    Jul 11, 2016

    thanks dear lenders a lot! you guys have raised my loan to 30%! thanks a lot please help me raise the remaining amount and I promise not to ever let you down on repaying. God bless!

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  • Priscilla    Jul 7, 2016

    those who have come through for me once again I just thank you for everything. God bless you

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  • Priscilla    Jul 7, 2016

    to all my dear lenders who have through for me I just want to thank you all from the bottom of my heart. God bless you!

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  • Priscilla    Jul 2, 2016

    hallo once again zidisha community. this is my humble request to you all k lenders who have always come through for me each time I post a loan application. kindly help me once again and you will not be disappointed. kindly help me raise the amount and I promise to repay it all on time.I always try not disappoint despite of the challenges. thanks a lot for your support. God bless

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  • Priscilla    Jun 9, 2016

    hallo dear lenders just to inform you all that I have completed repaying my loan...I may have failed a day or two but I thank you for your patience and your help. thanks alot and I pray that upon posting a new loan application I will still have your support.
    my policy payment is going on smoothly and I still have you to thank for the same. God bless you!

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  • Priscilla    May 19, 2016

    hallo zidisha family. thats my daughter's new pair of uniform. finally got posted. thanks alot

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  • Priscilla    May 9, 2016

    I am trying to add a photo of the uniform but my phone seems to be refusing...I will keep on trying. thanks

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  • Priscilla    May 9, 2016

    hallo my dear lenders. I hope you all are doing great. am ok and my business doing well.
    am glad I finally got my daughters uniform. she will be so happy. thanks alot.
    the education policy is also doing ok,I already paid it last month. I dont have proof for that since they deduct it directly from my bank account. thanks alot and may God bless you always.

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  • Priscilla    Apr 23, 2016

    hallo.. just to thank the zidisha community for allowing the loan adjustment part because I am not able as of now to maintain my earlier schedule thanks too for my lenders now I know I will not disappoint. I messed up my first ever loan on zidisha because I didn't know that one could adjust their repayment schedule. thanks alot and God bless.

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  • Priscilla    Apr 23, 2016

    I am not able to pay the whole weekly instalment on time and I dont want to let down my lenders by not paying.

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  • Priscilla    Apr 11, 2016

    hallo lenders and thanks always for your support...my daughter is on april school holidays and today we are leaving for the tailor's to have her uniform done and it will be ready when school resumes. she is so exited. thanks for putting a smile on her face. God bless

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