Paper for printing books

Nicholas Saddari

Sunyani, Brong Ahafo Region, Ghana

100% repaid

Entrepreneur

Name

Nicholas Saddari

Member since

July 2017

On-time repayments

130 installments  •  58%

About Me

Nicholas Saddari is my name. I am a product of the University of Cape Coast, cape coast Ghana where I studied bachelor of education (BEd) Science from 2008-2012. I am the author of Man Sada Series Science books for Junior High Schools in Ghana. I started writing in 2011 while in school. I am also teacher my profession and I teach at Chiraa Senior High School, Ghana where I also earn my salary. I have been teaching since 2016. I am currently pursuing MSc Sustainable Energy Management from the University of Energy and Natural Resources, Fiapre Ghana where I will graduate this year. I am also an assembly member for sunyani municipal assembly for the past two and half years and still serving till 2019 where another elections will be held.

My Business

Man Sada Series is a publication which is into science books. this is a Junior High School integrated science books which is used as a supplementary text books. they are sold directly to schools and others to book shops for individual to also purchased. I also earn income from my teaching through the salary I receive. the salary is sometimes used to support the book business when the need arises.

Loan Proposal

about 60% of the loan amount will be used to purchase papers for printing. 10% aand 15% will also be used for printing cost, binding and laminating cost. the other 15% will also be used for collating and other miscellaneous expenses during the printing. this amount will help increase my books stock which in turn will increase my profit. I hope this loan will meet my lenders consideration within the shortest time now that students are still in school so that I can meet the time. I also hope huge amount will be given in future for me to purchase my own machines and this will help me employ more people to help reduce unemployment.

Feedback

1

None

None

  • Dixie Davis    Dec 5, 2018

    He's working hard with the money he's received so far. He completed his master's degree and has started towards his Ph.D.! And he's trying to educate young people in science!

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Loan Info

Project Type

Classic Loan

Disbursed amount

$1,370.18

Date disbursed

May 23, 2018

Repayment status

On Time

Projected term

6 months

Cost to entrepreneur

Service fee: $38.62

Credit risk payment: $115.97

Lenders

Kjartan

Oslo, Norway

T

Tallago3

Munich, Germany

Tavin

Ottawa, Canada

C

chrisherron

Chicago, United States

Cloudways

Malta, Malta

ads68

Melbourne, Australia

nakamura

United States

Evan Lamos

Brussels, Belgium

sderickson

Berkeley, CA, United States

TyWee

Manila, Philippines

B

bscent

Hong Kong

Grant Xavier Storer

Seattle, Wa, United States

PolarBearCapital

United States

Mike and Jacqui

United Kingdom

S

Stephan

Netherlands

S

Sven

Netherlands

Dave Bogard

New York, United States

MW

Matt Willis

United States

W

Wade

United States

Kevin

San Francisco, United States

A

Andrei

United States

V

Vidar

Oslo, Norway

RC

Rudi Chen

United States

JA

Jan Andresen

Hamburg, Germany

Sinan Taifour

Munich, Germany, Germany

Thomas Naimoli

United States

R

Ralf

Germany

HCPSPIRIT

Helsinki, Finland

GS

Gary Sinard

Franklin, TN, United States

R

RMIM

United States

Paul Buchheit

Mountain View, United States

B

Ben

United States

BR

Brian Rickman

United States

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  • TomF925    Jan 2, 2020

    I recommend you contact Zidisha and refi at lower rate. Talk to Zidisha.

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  • Kusi Obodum    Dec 24, 2019

    Slow payment due to poor business.

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  • Kusi Obodum    Nov 18, 2019

    Promise to make payments.

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  • Kusi Obodum    Oct 16, 2019

    This man is having an issue in terms of finances. He said he will pay.

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  • Kusi Obodum    Sep 12, 2019

    He told me his busniess alomost collapsed.

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  • Kusi Obodum    Aug 10, 2019

    Business is slow he said.

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  • Nicholas Saddari    Jun 23, 2019

    Business has been slow

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  • Nicholas Saddari    May 17, 2019

    Printing of new books just began

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  • Nicholas Saddari    Apr 11, 2019

    there has been some changes in sale

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  • Ren    Feb 6, 2019

    Good luck, Nicholas! It seems as this has been quite frustrating for you regarding your disbursement. I truly hope it is all working out by now.
    Best,
    Karen

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  • Nicholas Saddari    Feb 3, 2019

    Production is not completed

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  • Nicholas Saddari    Jan 20, 2019

    I couldn't start the printing early as a result of the delay in the delay of the disbursement of my loan

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  • Joost    Dec 26, 2018

    Dear Nicholas,

    This is a place to communicate with your lenders. Please create a support ticket using the help menu (www.zidisha.org/borrower/help) to get help from a staff member.

    Kind regards,
    Joost
    Team Zidisha
    Lender Volunteer

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  • Nicholas Saddari    Dec 25, 2018

    Does zidisha really reads our messages?
    Our concerns are not addressed when ever we post a complaints here.
    I have not received my loan since the 6 th I was told my loan has been disbursed and I don't know what zidisha is doing about it. Moreover, I have started repayment of this loan I am yet to receive for the past 3 weeks.
    I suggest, zidisha should confirm payment before we will be asked to make payment for our loans.
    I hope this message will be read and my problem will be addressed. I know zidisha will ask me to use the Help tool which I has done severely.
    Please it's becoming more frustrating

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  • Nicholas Saddari    Dec 15, 2018

    1. this has become necessary because I have not received my loan up to date. I have made several complaints but still to no avail. please zidisha should make sure that the money is credited into my account.
    2. zidisha should make sure monies are credited into our accounts before asking us to make payments for that loan. it is unfair to pay for loan Not received.

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  • Nicholas Saddari    Dec 13, 2018

    good morning lenders and zidisha team. it is has been more than a week now since I was told that my loan has been disbursed but has not hit my account yet. notwithstanding, zidisha has given me a reminder to make payment of loan that I have not received. zidisha should hold unto the loan repayment before I receive my loan to start my business so that I can pay from the proceeds.

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  • Nicholas Saddari    Dec 6, 2018

    Part of the money will be use to purchase 60g bond papers for my printing and the remaining will also be use to finance my PhD education. I will also use this medium to thank my lenders for lending me this amount to expand my business and also continue my education

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  • SKWAW    Dec 6, 2018

    Wishing you the best, you are amazing :)

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    • Nicholas Saddari    Dec 11, 2018

      Thank you. But my loan which I am told has been disbursed has not hit my accounts yet but I am expected to make my first payment of the loan on Saturday which I have not received. Meaning I'll be paying for a loan I have not received. And if I don't pay on the said date,my on time payment will be reduced. I think zidisha should make sure that payment has hit the account before any payment will be made.

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  • Nicholas Saddari    Dec 1, 2018

    the amount was used to purchase 29 bond of 60g of papers for the printing. this has helped increased the profit margin by about 7 - 8% which was used to reimburse into the business. i have also been able to employ one additional person into the business. i have also completed my master's degree as an achievement in my life. in addition, i have also gain admission to do my Ph.D.

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    • Dixie Davis    Dec 5, 2018

      Wonderful!!!!! Congratulations on achieving your master's degree!!!!! What a wonderful accomplishment! Best wishes on your Ph.D.! What are you studying? I'm so happy for you!

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      • Nicholas Saddari    Dec 5, 2018

        I am currently studying PhD in sustainable energy management. Thank you and my doors are opened for collaboration

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  • Nicholas Saddari    Nov 25, 2018

    I have made my installment payment this week too.

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