Kenya

Insurance and new umbrella for my motorbike taxi




This Loan
19% Repaid


Disbursed Amount: $470.22
Date Disbursed: Mar 31, 2017
Repayment Status: On Time
Repayment Frequency: Weekly Projected Term: 12 months
Cost of Loan: $23.37
Show Cost Details

Cost of this loan

Service Fee: 5% of $470.22 = $23.37

Cost paid to join Zidisha

Upon joining Zidisha, Duke opted to pay $9.88 into the Zidisha Members Loan Fund in return for a higher starting credit limit.

The cost paid to join Zidisha is only paid once and entitles Duke to raise an unlimited number of loans at zero interest. Learn more


Story
About Me

My name is Duke Ombagi Nyangau. I am a Kenyan by birth. Currently i live in Nakuru County, WEAVERS area near my local chiefs camps plot block 4/25 door no5. this is where i have rented a house which i stay with my wife Beth Wanjiru and my child. I attended my primary school at Kibowen Komen and successively i finished the approved course for class eight. I Passed very well and i joined well renowned high school known as Flamingo high school. At my high school i also did well and i wanted to join a college and do a course in the field of business known as business administration but unfortunately my mother was not able to pay my school fees. At this point there was nothing i could do to get money for my fees. I promised my self that i will face life the way it is until i better my life financially to continue with my education. AS i was thinking on what i could do to keep life moving.Some business ideas flocked my mind; very nice ideas but however nice they were, I realized they all had a common similarity. That is the capital. this is the factor that caused me to do what i know do happily' transporting people using motor cycle from home to job and job to home, and of-course taking people around my town. I started transporting people using a bicycle for six months i managed to gather enough money for paying my motorcycle driving course which i passed obtained my driving linces. Immediately i was employed as a motorcycle taxi driver. I worked for my boss for one year and eight months and by the grace of God i managed to save enough to buy one of my own motorcycle. Throughout my live i have learned to work hard and involve the almighty God in all my life goals. When i look back on where i have come from i find a good reason to thank God and pray to achieve all my dreams. Just like any other person, i have had the likes and dislikes too, for instance when i was about twelve years i used to enjoy watching movies playing brick games fighting my neighbors kids to exercise new styles learned from watching movies and many other childish games. But as i grew older i adopted new likes and dislikes to. Ever since i discovered my self i no-longer enjoy doing things i used to do when i was twelve except one, watching movies. I now enjoy listening to new gospel music and accompanying my pastor at my free time to do Evangelical work. This year, i have started saving towards buying another motorcycle to hire out to drivers who needs it. Hiring out motorcycle tax is now a booming business in my locality. Also note am happy to have joined zidisha family since i have recieved several loans that have truly saved my business from fear of temporally shutting down,eg, imagine a situation where, you have no good tires, customers not arriving due to punctures, no valid insurance, every time you are in police custody due to this, one can easily close down temporary or permanently. ONE big reason as to why i borrow small loan from you is that, for people of small income like me, we are not able to save for emergencies since every day am solving either family problems or job problems. This feature is common since the space we have before landing to financial emergency is small, hence saving sometimes is difficult. However i am trying to save through locked account to enable me buy another motorbike so that i can hire out to qualified drivers in order to increase my income. After achieving this goal i may wish to apply loan for my education, classes are available to business people like me late in the evening.Here i write to say thank you for always funding my profile, Over ten loans from zidisha and you have always funded me on the first application sometimes thirty minutes after submitting my application, May almighty God bless you.

My Business

When one arrives at Nakuru county town center, Just about two kilomita drive to the west. MY business is located at Manyatta hotel. Manyatta hotel is next to another big hotel known as PIVOT hotel. Opposite Pivot hotel is a small petrol station known as KOBIL petrol station. ON your entrance to the petro station is where i park my motorbike to wait for customers with my fellow workers who do the same business. the picture i have provided is taken right where i work. i normally provide transportation services.that is hiring services,taking people to their residential houses when its late,there is high demand of the service i offer at my locality simply because all vehicles they normally transport up to certain limit that is at bus terminal but i curry/take my customer up to their door gates.and also they call me to pick them and transport them to their work.through this many client they market my business and sent more new customer to me. Lately i have entered into contracts of taking pupils to schools and getting payments on weekly and monthly basis. Thank you for choosing to be of help to me and my motorcycle tax business; God bless you.

Loan Proposal

Nakuru county in Kenya is ready to start receiving heavy rains, according to weather meteorologist, any time we have heavy rains in Kenya, my motorcycle taxi business is affected if i don't have a motorcycle umbrella and above all, obey the law of having a valid insurance and linces, IF it happens that i am able to renew this things in time, i will be always on duty and be able to work at all times, it is for this reason i turn to you again to request for your intervention, am happy to have you as friends at the hour of my financial need, this being not the first time, i believe you will fund my profile, and in return, i promise royalty and upright commitment in paying you in time, thank you.



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Feedback
Positive   12      Neutral   0      Negative   0     

  • melissapmeier     Aug 14, 2016

    Positive

    I will be happy to lend to you again and I wish you the best for your business and life! :)


  • JK     Dec 20, 2015

    Positive

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    Translated by ksvelkmarco     Show original

    Hoooray, you did it again, Duke. Payments always in time and first class communication with great engagement to clear up any Zidisha regarded payment troubles! Next time I will definitely let other lenders take part on your loan application :)

    • Duke Nyangau     Dec 20, 2015

      Man of GOD jk, you lended me the whole amount, i was in state of emergency, you did it right, may GOD bless you forever and sustain you in zidisha lending forum. NOT only for me, but also to many who turns out for your help. THANK YOU.


  • melissapmeier     Jun 28, 2015

    Positive

    I appreciate that you keep your lenders updated about your business. Again best wishes to you! I will be looking for your next loan request.

    • Duke Nyangau     Jun 29, 2015

      God bless you melissapmeier, please keep your eyes on my profile and i will be glad to be funded by you.


  • JK     Jun 28, 2015

    Positive

    Duke, I'm completely satisfied – VERY FAST AND RELIABLE repayment! :)) Looking forward to your next investment!


  • juliemartha     May 28, 2015

    Positive

    A very positive lending experience—quick and reliable payments. I would gladly lend again! May God bless you!

    • Duke Nyangau     May 31, 2015

      Thank you Juliemartha, Your wellcome to lend me again, GOD bless you and remember to follow my profile to see when i post another loan application.


  • Daniel R     May 11, 2015

    Positive

    Thank you for quick repayment, and best wishes for your business!


  • Leonardia     May 9, 2015

    Positive

    Paid right on time and kept us updated. Perfect!


  • melissapmeier     May 8, 2015

    Positive

    I will be happy to lend to you again! Best wishes to you!


  • Isak Maaseide     Apr 23, 2015

    Positive

    Repaid on time :-) Good luck in your future endeavours!


  • bugsheep     Feb 23, 2015

    Positive

    Paid back in full!


  • KYLE LARSON     Feb 2, 2015

    Positive

    THANKS FOR YOUR PROMPT REPAYMENT :)


  • thack     Jan 21, 2015

    Positive

    Excellent borrower!


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Insurance and new umbrella for my motorbike taxi

Duke Nyangau
Nakuru, Kenya

19% Repaid