One-acre piece of land

Veronicah Kamanja

Nakuru, Kenya

89% repaid



Veronicah Kamanja

Member since

July 2010

On-time repayments

149 installments  •  70%

About Me

My name is Veronicah Muthoni Kamanja.
Aged 38 years and have been married with four kids, living together.
The children attend a day primary school allocated in our home area.
We live in Naivasha district, Gilgil division Kiambogo location, Njeru village.
I did my KCSE exam in 1991 ie four course later joined a college of accounting.
Currently lam working at Mugaa secondary school as a accounts clerk.
I started a business of hair dressing which was at home,because l needed more money to cater and educate my children

My Business

I started a business of hair dressing which was at home,because l needed more money to cater and educate my children As time went l started attending more customers where l end up shifting from home hair dressing and hired a bigger room in a near by shopping center called Kiptangwanyi where electricity was available and means of communication and transport were good as compared to our home area.
Fromthe businessearning l was able to expand the work by buying more working tools and employed one saloon.
However the kind of goods that l sell are for the ladies eg ornaments, handbags, cosmetics and so on.Services are plainting of hair and nail painting.Most ladies working in different areas eg in businessis or in offices like to look beatiful, therefore their is need to apply cosmetics.My customers prefer my business because l charge fairly and the busines is always open.
Due to area allocation of business we make more profit only when the farming (harvest is good) because most people relie on farming even though they are employed.The risk the business faces is when their is no harvest.

Loan Proposal

my intention is to raise enough money to b able to by a piece of land. Currently one acre of land around Njeru area is going for between ksh 100 000 and ksh 150 000. My husband and I feels that we can use this land for planting forders for the animals.






Loan Info

Project Type

Classic Loan

Disbursed amount


Date disbursed

Jun 24, 2015

Repayment status


Projected term

23 months




Perth, Australia


Stockholm, Sweden



Inden, Switzerland


Utrecht, Netherlands


Charleston, United States



Littleton, United States


Culemborg, Netherlands


Paul Graham

United States

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  • Veronicah Kamanja    Jul 1, 2016

    Thank a lot zidisha team for your hand of help. The loan assisted my family and I to buy a piece of land which we are using for rearing sheep and goats ,their are doing very well. May God bless our lenders

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  • Veronicah Kamanja    Jul 2, 2015

    Dear lender, i am very grateful to receive the loan l had borrowed. I intend to purchase a piece of land for my family.I pray that the Almighty God to continue blessing you for the good Zidisha team work.Thank you.

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  • Veronicah Kamanja    Jun 6, 2015

    Dear lenders.
    I received part of the amount that I was expecting. I was expecting to receive Ksh 153 744 but I received ksh 53 744 through M-pesa. The reference for the M-pesa transaction is JF16HHV5JW. This transaction was made on 1st June 2015. My plan for this loan is to buy a piece of land. so far I have found a piece of land which is 1 acre and is being sold at Ksh 140 000. I have already paid a deposit of ksh 50 000 and hope that when I receive the remaining balance from Zidisha, I will be able to clear the balance and the title deed will then be processed under my name.

    Once again I take this opportunity to thank the zidisha family for having faith and confidence in me. I promise you that I will never let you down.

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    • bconrad    Jun 16, 2015

      Dear Veronica,

      Thanks so much for the message about this! Checking our accounts, I can see that the extra amount did not go through to you as we thought. For some reason, we've had trouble disbursing larger amounts to some borrowers lately. I've sent you an email about this to get you the rest disbursed as soon as possible.

      Bayle, Country Liaison Manager

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  • Namaste250    Dec 30, 2014

    Hello Veronicah,
    I'm writing to wish you Happy New Year!
    Best wishes to you and your family for a healthy, joyous and prosperous 2015, Ann

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  • Namaste250    Sep 23, 2014

    Hi Veronicah,
    Thank you for making your payments so responsibly. I'm glad to hear your sheep are doing well. You are a very busy woman! I'm glad you took the time to share your good news.
    Best wishes for your continued success, Ann

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  • Veronicah Kamanja    Sep 23, 2014

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  • Veronicah Kamanja    Sep 23, 2014

    Hey Zidisha team lam still going on well and all things are going smoothly. My sheep's are doing well and they have increased a lot so lam happy about that. May the almighty God bless you.

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  • Veronicah Kamanja    Jun 23, 2014

    Due to dry spell i decided to change plan, that is I started sheep rearing project instead of pomology.

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  • traciyoshiyama    Jul 10, 2012

    July 9, 2012

    Hello, my name is Traci Yoshiyama, Zidisha’s Kenya Client Relationship Manager. I am currently residing in Mugaa, visiting Zidisha borrowers in nearby villages.

    To earn a living in Kenya, many people stretch themselves thin with having the responsibility of working more than one job. The skills they acquire throughout their life are not only in one trade, but in many. This rings true for Veronicah Kamanja. I met Veronicah my very first day in Mugaa, for she is the Mugaa Secondary School accountant. Although she is an accountant by day, she also owns and manages a salon in a nearby village, Miti Mingi.

    Veronicah is not from Mugaa or Miti Mingi, but has a home and shamba in Njeru, about an hours walk away. Dressed in her professional attire, she makes the hours walk every morning to get to work. Although Veronicah now works in Mugaa and Miti Mingi, the foundation of her salon began in Njeru. She described it is as a simple business in her house where she tended to schoolgirls, doing their hair and painting their fingernails. She then heard about Zidisha from Mr. Mwaura, the principal of Mugaa Secondary School.

    Through her first Zidisha loan, Veronicah was able to rent a space in Miti Mingi, buy a hair dryer, employ two women, and stock her shop with accessories to sell to her customers. Being one of only three salons in Miti Mingi, Veronicah’s business does well, especially during a good harvest, when many of her customers can afford the luxury of braiding their hair, getting a manicure, or the most popular request of putting in artificial hair. As I take pictures of Veronicah’s salon, I could not help but notice a sticker posted on her shop salon mirror, “Men are as old as they feel, women are as old as they look,” a perfect mantra for this charming salon.

    Veronicah is now repaying her second loan, which has allowed her to stock her shop with more items to sell to her customers and add one more hair dryer. Being a mother of four primary school children, both loans have also helped Veronicah pay for her children’s school fees. With the help of Zidisha, group loans, accounting, farming, and running her salon, Veronicah graciously and proudly expresses her primary goal of providing her children with quality education.

    Upon our return back to Mugaa Secondary School, Veronicah mentions how encouraging the lenders of Zidisha have been. She feels empowered by the trust people have in her and is forever grateful for the opportunity to be “put so much ahead”.

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  • Veronicah Kamanja    Apr 19, 2012

    Hi Achintay,the business is going on very well.thank you to all who helped to raise the amount.

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  • Veronicah Kamanja    Mar 3, 2012

    Hi Achintay, i am happy for your visiting and good services when you were at Mugaa . Pass my thanks to Julia and the zidisha team as a whole.

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  • Veronicah Kamanja    Nov 8, 2011

    may you receive the favour of the lord you lenders you have helped us much.

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  • Veronicah Kamanja    Oct 13, 2011

    Thanks lenders for activating my account as early as possible . l appeal for your generous biding. Thanks

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  • teddy    Aug 25, 2011

    Veronicah owns a hair salon at Miti Mingi Center and lives at Njeru. Throughout our conversation, she kept reiterating, “Imetuinua!” (Zidisha has lifted us!). A kind of shy lady, Veronicah giggles occasionally as she talks about her flourishing business. The Zidisha loan helped her to acquire specialized equipment (e.g blow dryer), thereby automatically gaining an edge over her competitors. She has employed a lady who is a breadwinner of two kids. Veronicah spends a fair amount of her profit on bringing up her 4 children and also expanding her business. For future plans, she intends to venture into the livestock and butchery business.
    Teddy Onserio
    Zidisha Intern

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  • Lauren Rosenbaum    Jun 26, 2011

    Habari Veronicah! I'm happy to see that your business is doing well. Wish I could see it in person!

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  • Veronicah Kamanja    Jun 3, 2011

    hi lenders, my business is doing well, hoping to clear my loan in time

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  • Lauren Rosenbaum    Dec 24, 2010

    Teachers at Mugaa Secondary School, where Veronicah works, explain the challenges that staff face in providing students with a quality education.

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  • Veronicah Kamanja    Oct 5, 2010

    i received the money and i was very much grateful, upto now it has helped me alot because i have expanded my business, i am preparing to start repaying the loan by october 23rd 2010. God bless you

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  • Paul Ngugi    Sep 23, 2010

    i am greatful because of your generous contributions

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  • IJAZBOF    Sep 15, 2010

    I wish you success!

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