Add high-speed internet and Skype equipment to my cybercafe

Divican

Kisii, Kenya

100% repaid

Entrepreneur

Name

Divican

Member since

May 2014

On-time repayments

321 installments  •  6%

About Me

Before I start to narrate my story first and fore most my sincere thanks goes to Zidisha lenders and to Zidisha as a whole fraternity for their great support for a warding me the first and second loan of USD 47.9546 and USD 311 respectively. Actually for these loans I managed to open a cyber café now of 7 computers.
Am a 26 years old yet married. I have one baby girl. I come from polygamous family, my biological mother being a second wife. From the stories I have, my father married my mother because his first wife was not bearing children which forced my father to go for the second wife. Later on the first wife started bearing children and my father neglected us. Coming from the family of five it forced our mother to struggle to venture into business mostly selling shoes and clothes. She managed to educate us up to Form four levels except our sister who dropped in form three because of financial problems. After my form four I joined Gusii institute, because I did not manage to go for my degree course. I managed to accomplish my certificate in Information Technology in the year 2010. From there I did not get a job so I decide to venture into business of being a technician of programming computers. Being in that time that in Kisii Town Kenya I had many people venturing in cyber cafe business, typesetting and printing, I was so happy that I used to format their computers, installation of internet and also advising them where applicable and I used to get a good token from my customers. I managed to marry in the year 2012. I raised a capital to start a business with my wife. We started a small shop of about Kshs 25,000 . I used to go for my daily business in town for self employment for being a level middle technician. I have assisted my wife to add a little capital of about Kshs 1000 per week. Today our capital can run up to Kshs. 80,000. My wife operates in the shop. When I had about zidisha I informed my wife Divinah and she congratulated me very much about the information and gave me a go ahead to borrow a loan from these lenders at least to enlarge our shop and for me to start a cyber cafe of about 4 computers since we can manage to get location to locate our new business as she will be operating our shop. On May 29.2014 and July 24 2014 I received Kshs 3,274 and Kshs.26,940 respectively, from Zidisha which I used to add stock for the first time and even I added 4 computers to my cyber café which today has 7 computers. My cyber has been doing very well since then and today am able to make a profit of USD 30 per month. While my wife is still operating the shop which also make a profit of Kshs.1500 per day.DIVICAN SAYS ‘’we have come from far but the go is not yet known, but with ZIDISHA WE COMFORT OUR SELF WITH HOPES’’.

My Business

For the last four months I have been receiving loans from Zidisha and up to some extent I am operating two businesses; a shop and a cyber café. My wife operates the shop and I operate the cyber café. At first I had the shop and when Zidisha offered me the first loan I added the stock to my shop and I used my savings to open a cyber café. For my second loan of USD 311 I brought 4 computers which had a high speed and I also added skype equipment to my cyber café which increased the flow of customers very great. Now I have decided to add some computers and even now buy a printer with a very high speed in printing to cater for the needs of my customers who have mass printing and most of my customers are university students who are working on research hence they do a lot of mass printing. I even make posters which need a printer of press printing. Now my expenses are just not high to hinder me not to repay my loans as illustrated below:
- Food: USD 89.5714 per month
- Clothing USD 50.3839 per month
- Since we stay in town we pay rent of USD 55.9821 per month
Note the following: we have agreed with my wife to cut our monthly expenses as follows so as to be eligible to pay zidisha loan if we qualify to be given:
a) On food: USD 6.71786
b) On clothes: USD 30.2304
c) Rent: USD 27.9911
This will add up to USD 64.93936 per month to pay our Zidisha loans.
Thanks Zidisha team.

Loan Proposal

Once I get this loan I will add new products to my cyber and come up with a modern I.T college ( Information Technology course) in kisii town which is growing in a speed manner compared with other towns in Kenya. I will have to compete with my competitors in Kisii town by making my cyber cafe in a different manner. Since I am a technician I am very much aware of what other cyber cafe hold in Kisii town. For instance many cyber cafe do not have a modern way of having secrecy while browsing, instead when you are browsing there computers are exposed, which makes other clients to see what you are working on, another area that I will make sure to defeat my colleagues is the area of coming up with modern computers with a high speed which will save my customers needs, so far I will make sure to come up with a Skype which most of business cyber cafe in town do not have. I hope this will enable me to have many customers so that I will be eligible to pay my loans to Zidisha team. And for this loan if I manage it then I will save my profits so that in future I will come up with a college of I.T in Kisii town. I ask my self this question ‘if I managed to open a cyber café why not I.T college’?

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$311.00

Date disbursed

Jul 14, 2014

Repayment status

On Time

Projected term

3 months

Lenders

G

GalantnostS

Hong Kong, Hong Kong

G

Gauram

Princeton, United States

G

grahamfamily

Guildford, United Kingdom

K

KDeath

Dublin, Ireland

A

Aman

Johannesburg, South Africa

Jouni

Finland

P

Prysdahl

Marshall, United States

Hedwich

Gorssel, Netherlands

Sarasota

Sarasota, Fl, United States

TyWee

Manila, Philippines

G

Gavin

New Zealand

Christopher Hey

Sudbury, Canada

Ask Divican 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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  • Divican    Oct 29, 2018

    My Aunt who has been fighting with diabetes for a long time died on May. May God rest her soul in peace. I used to stay with my Aunt during my schooling days and I felt good also to return good to her, but unfortunately she rested on May. Zidisha family I am sorry for any inconvenience caused there by. But now I am back and I have to make sure to pay your loan fully. And if in future I need a loan I will let you know but for now let me I have rest to clear your loan please. Thank you so much

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  • With a little help    Apr 16, 2015

    Ha Divican, how are you doing ?

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  • Divican    Jan 30, 2015

    Dear,
    Thanks lenders and we are together.

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  • Divican    Jan 20, 2015

    Dear all,
    For now again let me be repaying Shs.300 for now and if it time goes then I will even more as earlier let us see how the business goes. It is the the start of the year and the business has kicked well and then I hope it will go well. Last but not least here in Kenya normally as the business starts we comfort our lives with a lot hope that loans can be paid well.

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  • Shem    Jan 19, 2015

    Please Divican I greet you you are VM please share the page to your face account for faster funding

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  • Divican    Jan 17, 2015

    Dear all,
    Now holiday is over and here in Kenya schools will be opening as from Monday and I will like to promise all of you: Members, Lenders, borrowers and zidisha staff that I will be repaying my weekly loans as from tomorrow ( Sunday) see my promise coming true.

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  • Divican    Dec 7, 2014

    Dear all,
    I hope this writings will catch you being in good mood. First and foremost let me thank you for the good work you have done for us. Your loan is greatly assisting us. Please consider me for this message of mine.
    I have been away for a moment. This was due to when I lost my father. My business has been closed down. Now zidisha I am improving slow by slow which i hope will be well with time. Let me pay KES 500 per week as I hope my business will do better towards next year to resume to my normal repayments.

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  • Harbard    Nov 30, 2014

    hope you are well our lenders Divican Tochi his father-in-law got dead ssome days back since that time he has never opened his Business i have been going there to meet him to discuss about the matter was unsuccessful he had even gone offline.But luckily enough today morning i managed to reach him through a phone call and he told me that he will reschedule his loan immediately, he apologized for the inconvenience caused for all this time thank you i hope he do so .

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    • Divican    Dec 4, 2014

      Thanks a lot for your message

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      • PolarBearCapital    Jan 14, 2015

        Hi Divican, how is everything going? Sorry to hear about your loss.

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        • Divican    Jan 14, 2015

          Thanks a lot PolarBearCapital please am begging I have loan from Zidisha and I have not repaid it fully and am remaining with a lot but am making the necessary arrangements to repay it. Please I have launched my campaign at Indiegogo and am begging you to visit my page there named as SUPPORT MY CYBER CAFE TO COME UP AGAIN and any assistance is appreciate and spread the bad news to anybody.

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  • Divican    Nov 2, 2014

    Dear all lenders,
    Please let me first say hi to you all.
    First of all let me give you all my good news to you that I finished preparing buying the computers, and also the printer as far as I went a head to add a waiver to my cyber cafe. Indeed thanks a lot. But from the other hand I have bad news for you please. I lost my father in law ( my wife's father) and from my story you can realize that our business goes hand in hand with that of my wife. And from our families background we are the one who can give our assistance towards the funeral arrangements and in Kenya the funeral arrangements can take 1 to 2 weeks, but our advantage is that they gave a grace period of one week. Still we are working on towards this last respect to our father. Please I am begging for your understanding as am preparing to repay my loan this week since in our business we are the bosses And in Kenya trusting our guys is another police case so we decided to close our businesses until the last day of our great father Nyaberi that is on Friday this week.
    Thanks a lot.
    DIVICAN TOCHI.
    ZIDISHA MEMBER
    VM

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  • Divican    Oct 27, 2014

    Hello this evening,
    It is my pleasure to salute you and congratulate you for this great support to our families in Kenya. Nowadays I can see that you are boosting women on your website to post loans. Actually this is a great achievement to Kenya since women in Kenya are disadvantaged and most of them do not have hopes on capital for starting business.

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  • Divican    Oct 23, 2014

    Dear Lenders,
    Am happy with the disbursement of the loan and now I wish to add the 4 computers which I ordered yesterday from Nairobi and the printer this will make me to earn a good profit and my customers will be happy with me too. Also am working on the waiver as I promised my customers who were eagerly waiting for this. LET ME NOW WITHDRAW MY MONEY AND WORK ON IT.
    THANKS GOD BLESS YOU ALL

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  • Divican    Oct 22, 2014

    Dear all ( Zidisha Lenders,Zidisha staff and Zidisha volunteers),
    Let me take this time to thank all of you for this great support you have given me. Lenders you have finally done it to fund my loan to 100%. Indeed this is is my third loan which have qualified for. We have come from very far with you my first loan was USD 50, second loan was USD 311 and now USD 485. for the first loan and second loan I have been using them very well and I hope also to use this third loan the same.

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  • Divican    Oct 21, 2014

    RickRozemuller you are among my lenders who I have said thanks to and I will not hesitate also to say thanks for your bids also. You have made my loan now to be at the position of 93% now.
    Let God prolong your days.

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  • Divican    Oct 21, 2014

    Jboudreau and SingularityGuy you are among my lenders who I have said thanks to and I will not hesitate also to say thanks for your bids also. please the lest of the lenders do something to my loan page since by today I will only remain with 4 days towards the expiry of my loan.
    Let God prolong your days.

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  • Divican    Oct 20, 2014

    Thanks a lot lenders for your great support up to this time am 89% and am happy man now. I do believe that my loan will not expire.
    Please fund to 100%.

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  • Susan    Oct 19, 2014

    hey divican,have ablessed time in your business.

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  • Divican    Oct 19, 2014

    Thanks a lot thebonseung it is my responsibility to say thanks for your bids which have increased my loan up to 83%.
    God bless you

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  • Divican    Oct 19, 2014

    Thanks a lot Hedwich it is my responsibility to say thanks for your bids which have increased my loan up to 83%.

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  • Divican    Oct 18, 2014

    Wooi lenders what happened am still 80% lenders please am alone now please fund my loan

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