Payments of school fees and purchase of working materials

Joshua Otieno

Kagan Komenya, Kenya

100% repaid

Entrepreneur

Name

Joshua Otieno

Location

Kagan Komenya, Kenya

On-time repayments

186 weekly installments  •  87%

About Me

I am Joshua Ochieng Otieno, I was born in 1977 at Ndiru village Kagan East in Rangwe constituency Homa bay county,Nyanza province in the republic of Kenya. I did primary education in 1993,but failed to join secondary due to poor grade. I went to Mawego Technical Institute where I did certificate in building and construction. My dear father died in 1998 leaving nothing valuable for family use. Later I went to Bondo town to look for masonry jobs which I got sufficiently to earn a living to support my mother who had to do some menial duties to provide for the family needs. I got married in the following year, 1998 and God the creator blessed us with four children, a girl and three boys and all of them are going to school. The first born ,a girl is in secondary school form two and the other three children are in primary school. My daughter would prefer to be a nurse, the second one like to become a doctor, the third child would like to be a secondary teacher and the last kid in future would prefer to become a pilot. My home village borders Kisii in the east which contains undulating geographical features which attracts local and foreign tourists. It also receives cool highland breeze from Kisii mountain and has heavy rainfall which is favourable for agricultural activities,livestocks keeping and it also support commercial activities in the Rangwe and its environment. During my free time especially Sunday, I commonly visit the friends, extended family members, participating in communal events and going to church to attend Sunday mass.My hobbies are playing football in the pitch, reading bible,novels,magazines and internet reading of educational and other social sites,watching football premier leagues and singing hymns in the church.

My Business

I joined building and construction sector in Bondo town, Siaya county after finishing masonry course at Mawego Technical Training lnstitute in the year 14/11/2000,leaving other family members back at home to fetch for money in the construction field to provide primary and secondary neccesary requirements to the all family. I worked very hard to do more meaningful jobs to gain experience, save more money, share and learn ideas, socialize with other fundis and get some buildings tenders as God Almighty do provide in the field of masonry. With the little savings and other sources of income I earn, this income help to provide food for the nuclear family, extended family members including my lovely mother, some two opharns and very old grandmother. It also helps me to purchase clothes, household wares, and purchasing of drugs for our livestock in the family. It also helps to pay school fees for the four children, two opharns and buying of school requirements for the kids. With this income it aided me build another extra large and big house to replace the old hut which was small as the family was in increasing gradually in number. It settles debts, buying of other secondary needs for the family, pays various bills and meeting some extra expenses for the smooth running of family affairs. In the building and construction sector, in a week i can earn approximately of kshs 9000/= which helps me to settle the above primary and secondary wants. It will also help to service,maintain and buying of some tools and needed materials in masonry

Loan Proposal

Thanks so much for the financial aid offered to me by ZIDISHA platform. If this loan is disbursed to me,i will pay school fees for the three children who are in secondary school form one, two and form four respectively at a cost of KES 120,000 for the all year, secondly buying building materials for the job like 40 small bags of white cement at a cost of KES 9,000, 20 litres of turpentine at a cost of KES 8,000, red oxide paints at a cost of KES 5,000, 2 packets of wood screws at a cost of KES 800, 20 bags of bamburi cement at a cost of KES 15,000 other constructural work piece of materials all at a cost of KES 3,000. All these purchases if duly bought and noted for work, it will improve my family living standard and relieve financial stress,clothes for the family bought , all work and other house hold bills will be paid in full, school fees for the children will be also paid in prior,weakly savings will be used to repay Zidisha loan and other school requirements catered. My profit margin will increase gradually thus aid me to pay disbursed loan effectively without declining.Thanks so much my dear lenders and entire Zidisha platform for funding my account and this improve positive state of mind and body physique eventually good life instead of following gready Kenyan politicians for less cash. Thank you in advance. Good God the creator of universe bless you people abundantly.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$1,685.74

Date disbursed

Mar 13, 2019

Repayment status

On Time

Projected term

7 months

Cost to entrepreneur

Service fee: $75.78

Credit risk payment: $454.69

Lenders

M

marycb

United States

BM

Benedicte Monroe

Sarasota// Phnom Penh, United States

C

Cblodgett

Zurich, Switzerland

W

Walter

Victoria BC, Canada

Kylie

Mount Martha, Australia

P

phangsang

Seattle, United States

cyrus0302

San Francisco, United States

lietu

Tallinn, Estonia

Blond56

Victoria, B. C., Canada

ErikN

Stockholm, Sweden

LA

United States

sebastienrosa

Quebec, Canada

G

guenter

Bremen, Germany

kuebel

Vienna, Austria

Krtecek

Balzers, Liechtenstein

Tavin

Ottawa, Canada

valliejc

Edmonton, Canada

A

AnnaT

Adelaide, Australia

G

graememoss

Amsterdam, Netherlands

Sundstroms

Falun, Sweden

ElWal

Kirn, Germany

F

fhlsk

Potsdam, Germany

G

Goodwill

Oakland, United States

S

Sherry

Pittsburgh, United States

L

leniwiec

Poznan, Poland

ads68

Melbourne, Australia

P

Prysdahl

Marshall, United States

mraph

Virginia, United States

Ingela

Falun, Sweden

G

GrandmaMae

Wausau, United States

HMS_5th_Grade

Honolulu, United States

IM

Isak Maaseide

Tromso, Norway, Norway

calvero

Bergen, Norway

J

JohnH

Livonia, Michigan, United States

M

Moonknight

Østre Gausdal, Norway

GarmdGriek

Oslo, Norway

W

WinWinNL

The Hague, Netherlands

JFais

Atlanta, United States

L

Leonora

TÄBY, Sweden

M

marymarrs

North Bend, United States

JOKer

Weisendorf, Germany

stever

Cape Coral, United States

JonB

London, United Kingdom

L

Lolababalola

Ames, United States

ibc123

Seattle, United States

Sirko

Brandenburg An Der Havel, Germany

lizandsteve

guelph, Canada

M

MarianneM

Munich, Germany

Scotts5320

New York, United States

A

akshu71

Ottawa, Canada

Y

Yasmine

Edinburgh, United Kingdom

G

GoughGirl

Washington, Dc, United States

SBlue1

Germany

T

tomcat14

Brussels, Belgium

R

roozbeh

United States

C

ColoradoEmac

United States

DavidHS

United Kingdom

A

Anonymous

United States

WhyPeace

United States

M

Marko

Helsinki, Finland

D

DandS

United States

B

bugdaniel

Switzerland

Flipmore

Vancouver, Canada

D

DaveElliott

United Kingdom

Megan

United States

J

JennK

Australia

johnhudson

Washington, DC, United States

Grant Xavier Storer

Seattle, Wa, United States

N

Nicole

Pittsburgh, United States

K

KarinV

United States

Michel Bavin

Antwerp Area, Belgium

JonasL

Stockholm, Sweden

PolarBearCapital

United States

SuperMario28

Cudahy, United States

KieranB

Ireland

J

Joanne

Switzerland

S

Sven

Netherlands

Dave Bogard

New York, United States

R

Robert

Berlin, Germany

rjb

Phnom Penh, Cambodia, United Kingdom

Fred

Germany

MD

Miles Dodge

CORVALLIS, United States

Elly

Woudrichem, United Kingdom

Haroldo Ramthun Junior

Pomerode - Santa Catarina - Brazil, Brazil

Paul

Crandon, United States

Wendy

Los Angeles, United States

Craig

Memphis, TN, United States

L

linda

United States

Kristin Rhodes

Kansas City, Kansas, United States

Kevin

San Francisco, United States

AS

Asa Svensson

Stockholm, Sweden

Emma

Australia

AH

Adam Hill

United States

AH

ajay hampapur

United States

A

Allie

Australia

TF

Tom Fawcett

United States

Paul Smithson

Leeds, United Kingdom

Rosario von Li

San Jose, Ca, United States

Arnaud M

Sydney, Australia

AK

Achim Königs

Bonn, Germany

M

Mark

United States

DT

Dave Tyler

United States

E

Enda

Abu Dhabi, United Arab Emirates

Cliff

United States

NR

Nina Roth

United Kingdom

JH

Julia Hermann

United States

DM

Dimitri Malarme

Brussels, Belgium, Belgium

R

Ryan

United States

MT

Marco Tietz

United States

SH

Steven Huntington

London, United Kingdom

Carlo Cruz

Cincinnati, OH, United States

Roman Achmatow

Leipzig, Germany

DM

Dritan Muneka

United States

Thomas

Sweden, Sweden

Gabriel Fenili

Santo André, Brazil

Strong

Netherlands

L

LK

United States

Y

YTSJ

London, United Kingdom

EthicalHost

Toronto, Canada

KE

Karen Epolito

Syracuse, NY, United States

V

Vidar

Oslo, Norway

DK

Danny Kelly

United States

JC

juli camrud

United States

RC

Rudi Chen

United States

KK

karl kerksiek

United States

B

Boris

Bern, Switzerland

Carla

United States

SB

Sue Bucholz

Sacramento, United States

Sara R

Leuven, Belgium

Derek Anderson

Yankton, United States

W

Wim

Netherlands

GC

Greger Cronquist

Göteborg, Sweden

J

Jo

United States

J

jmfaber

Amsterdam, Netherlands

A

AJ

United States

Ramon Maghsoudi

San Francisco, United States

EB

Erika Barraza

United States

United States

B

Brett

Australia

RG

Ravi Gadad

United States

I

ixeldog

atlanta, United States

JA

Jan Andresen

Hamburg, Germany

L

Linn

United Kingdom

AS

Aida Smith

United States

Sinan Taifour

Munich, Germany, Germany

SM

Sachet Marion

United States

johannes

Taipei, Taiwan

S

Sally

Australia

DF

D F

United States

MM

Matyas Matyas

Budapest, Romania

Bart Vogelzang

Ladysmith BC, Canada

TO

Thomas O'Neil

United States

James

London, United Kingdom

TR

Tereza Raf

Czech Republic

VW

Vincent Widmer

Geneva, Switzerland

SA

Shar Alamdari

Los Angeles, United States

J

Jon

United States

L

Lucy

Australia

J

jan

United States

S

Suzannah

New York City, United States

H

Hans

Czech Republic

M

Marama

Australia

Benjamin Kniaz

Boston, United States

WS

Warren Shen

United States

R

Robert

Chicago, United States

MF

Mike Frawley

United States

Gerrit

Palm Harbor, FL, United States

JA

Joshua Axtell

United States

Richard Benyon

United States

Thomas Naimoli

United States

David McLauchlan

Seattle, United States

Grégoire

Zurich, Switzerland

V

VJ

Canberra, Australia

Nadia Tuchman

New York City, United States

BP

Bill Piper

United States

Ellen

Michigan, United States

Tilman Schweitzer

Mainz, Germany

E

Ejvin

United States

D

Dalton

San Francisco, United States

CJ

Chris Jones

Seattle, United States

DW

David Westmoreland

Colorado Springs, Colorado, United States

Dean Suminski

Portland, Oregon, United States

Diane U

Olympia, Wa, Usa, United States

GS

Gary Sinard

Franklin, TN, United States

M

Marco

Napoli (Italy), Germany

C

Corrie

United States

Paul Thompson

York, United Kingdom

JF

J Fister

United States

D

David

United States

GC

Gabriel Collins

United Kingdom

Philipp Lehmann

Zurich, Switzerland

France

David Nash

Sydney, Australia, Australia

R

RMIM

United States

KA

Khaled Asmri

Saudi Arabia

Mike

Indianapolis, United States

DW

Dan Winetsky

United States

Martha Fleury

Bethesda, MD, United States

WC

Walter Clarke

Phoenix, United States

BB

Ben Breen

United States

Jennifer

United States

W

Will

United States

Victoria Keenan

East Anglia, United Kingdom

M

Mary

United States

JC

Jordanna Chord

Kirkland, WA, United States

Katja

Switzerland

AH

Antioch House Church

Kansas City, Kansas, United States

TH

Tyler Harris

United States

F

Florian

Netherlands

S

Sarah

Arlington, United States

Annie

New York, NY, United States

afaness

Germany

ZS

Zach Silveira

Asheville, Nc, United States

Gretchen Reibold

Port Royal Sound, United States

JB

Jane Bean

United States

Sean Richards

Wilmette, United States

Nethanel Kohen

NYC, United States

Oman

B

Bartl

United States

SL

Sam Lute

United States

A

Anonymous

United States

EB

Elijah Bialik

United States

BB

Brad Brunz

United States

Darren Jeppson

Denver, Colorado, United States

M

Mark

United States

BG

Bruce Garretson

Portland, Oregon, United States

H

Haley

United States

RC

Robert Chen

United States

Mai Phuong Nguyen

Nashville, United States

JF

Jon Freach

United States

S

SmartDoDo

Utrecht, Netherlands

RD

Roel De Meester

Antwerpen, Belgium

Adam Öhman

Norrköping, Sweden

Siddharth Shankar

Sydney, Australia, Australia

Metalfreund

Berlin, Germany

PA

Peter A

New York City, United States

KP

Keith Penrod

United States

petter

Finland

Sadie Weiss

Knoxville, United States

CL

Carolyn Luhn

United States

CJ

Clarissa joshua

United Kingdom

CP

Carina Paton

United States

G

Greg

Sydney, Australia

J

JB

Germany

J

Jorrit

Eindhoven, Netherlands

Severin Zörgiebel

Frankfurt, Germany

M

Miles

United States

R

Richard

United Kingdom

T

Tineke

New Zealand

DR

Denise Ramser

United States

Norway

MH

Matt Hodges

United Kingdom

Marcelo De Polli

São Paulo, Brazil

MM

Mac McKiva

United States

Remo

Switzerland

DO

Denis Ontiveros

Guildford, United Kingdom

B

Ben

United States

BR

Brian Rickman

United States

A

Anonymous

United States

I

Ivan

New York, United States

We Not Me

St. Paul, Minnesota, United States

VD

Vince Darley

United Kingdom

KC

Ken C

United States

KM

Karen Marshall

Alice Springs, Australia

D

Dave

Canada

CC

Carl Corvin

United States

N

NickN

United States

LT

Lisa Taylor

California, United States

JL

Julia Loose

United States

CL

Chris Lee

United States

EA

Eric Ayers

Atlanta, United States

S

Sulekha

United States

J

Jim

Canada

M

Mika

Switzerland

KF

Kathy F

Memphis, TN, United States

Michael Winter

Hessisch Oldendorf OT Rumbeck, Germany

Dustin Lape

Lynchburg, United States

Peter Collins

Darmstadt, Germany

KM

KNI ma

United States

BH

Brad Holaway

Scottsdale, United States

P

Patto

United States

M

marjorie

Netherlands

C

chellepaningbatan

United Arab Emirates

T C

Belgium

Andrew

United States

B

Bram

Germany

RS

Ralph Smyth

United Kingdom

T

T

United States

SS

Sean Sullivan

Austin, TX, United States

NB

Nikolaus Bührer

Karlsruhe, Germany

Angela Chu

Toronto, Canada

P

PS

United States

ND

Newport DECA

United States

M

Mila

United States

YL

Yna Lua

United States

RD

Regan Dishon

United States

Noel Hamill

Halifax, Canada

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