Purchase of health products for my clients

Aggrey

Nakuru, Kenya

35% repaid

Entrepreneur

Name

Aggrey

Member since

August 2013

On-time repayments

266 installments  •  17%

About Me

l am a retired teacher with over 30 years proven experience and presently helping orphaned children in Mission in Action Organization.
l went to school up to form six level then joined Teachers college.l have passion for children and that is why l am with the orphans.
Businesswise l am engaged in Network Marketing currently on part time basis.l have been in this field for the last seven years.l am an Independent Distributor with TIENS International Health Products Company.l used to run a shop for teh products but closed it up temporarily after the assistants l had mismanaged the finances.
l intend to reopen it once my finances improve.

My Business

My main income source is Network Marketing.l am an Independent Health Supplements Distributor of TIENS International Health Products.
l have a network team of over 350 distributors(Downlines) in my network.l earn an average of $1200 a month as bonus.
TIENS products are in high demand due to their efficacy in containing chronic life style diseases.There are other distributors in supplements from other companies who are my competitors but most people prefer TIENS products because they are very effective in containing Chronic life style diseases.
the business is profitable because there are no overheads.you carry out the business anywhere any time either on line or through telephone calls as well as one on one.
The other aspect is you earn twise,from the sales profit and bonus from your Network team..The risks are negligible.ln a month l spend about$200 on transport,lnternet and telephone calls.l make a profit of $450 a month.l therefore make a net profit of $250 a month.

Loan Proposal

l plan to use the loan as follows;
1) Order Detoxifiers for $100
2) Order Nourishers for $50
3) Order Immune boosters for $100
Total $250
This will be in addition to the existing stock l am operating with worth $500 and which is earning me $450 a month.
Within the next six months l plan to increase my stock to $1000 worth of products.l will be able to employ three assistants,one of whom will be my daughter who completed her form four grade last year.l will help reduce an employment which is a big problem in our country.

Feedback

2

None

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Loan Info

Project Type

Classic Loan

Disbursed amount

$247.00

Date disbursed

Jun 28, 2014

Repayment status

Late

Projected term

60 months

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  • Aggrey    Nov 5, 2022

    I have been out of action for quite some time now and I feel strongly that the change in installments will be a good starting point for me to get back on track.
    After sometime I should be to change the installments upward to enable me to complete the payment within the shortest possible time.

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  • Aggrey    May 2, 2019

    I'd like to KES 2000/ per instalment till the existing lian is fully serviced.

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  • Aggrey    Jan 11, 2018

    New Years greetings Zidisha family.
    here is a long time zidisha benefiaciary who has been out of circulation for quite some time now due to unavoidable cirumstances.
    I want to ask for your pardon for being a defaulter.My New Years resolution is to clear my loan balance within the shortest time possible.
    I also want to sincerely apologize to all those donors who contributed to the money loaned to me.
    This being a new year I want to open a new page and am looking forward to a more vibrant activities funded by Zidisha.
    Thank you and God bless you all.
    Aggrey

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  • Aggrey    Jan 18, 2016

    I am financially strained amount cannot therefore pay the amount until such a time that my finances will improve.this should be after January.my business went down drastically as a result of my sick mum and wife and l have had to spend every single cent of my saving.however l have put in place mechanisms to revive my business and which l believe will put me back on track

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  • Aggrey    Jul 6, 2015

    l am facing financial hardship at the moment.my mother aging is unwell and l have to meet her medication which is very costly.l need support to do all this since my business alone is not enough.
    l am even asking my children to support me financially.l need prayers as l have had very tough time from the beginning of the year.

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  • Aggrey    May 24, 2015

    I want to increase my repayment installment from 100 KES 1000 KES.I am looking forward to getting back my business in earnest after funeral and burial of my dad and am praying very hard that The almighty opens upp the door for me.It is my intention to repay the remaining amount in the shortest time possible so as to apply for another one.

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  • Aggrey    May 24, 2015

    i am very sorry that l have done very poorly in my repayment rating so far.things have been very tough for me in the last three months.both my mom and dad fell ill and unfortunately my dad succumbed and l buried him on 2nd of this month
    The death of my father has had a very bad effect on my mom and right now she is in hospital.l am struggling with the bills and this is after paying heavily on the two before dad left us.
    my business has seriously been affected and am getting almost no returns.However l have strong hope that l will pick up in the next two to three months.
    Kindly bare with me.Everything has gone against my initial plans.l now believe that human beings plan but God has to approve our plans for them to work.Be blessed.

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  • Aggrey    Apr 13, 2015

    Things have been very tough for me financially and as a result l have done poorly in my loan repayment.l want to plead with my lenders to bear with me as l reorganize my business as well asmy finances.
    l plan to reapy the balance witin the shrtest time possible.I am sicerely very soory for the scenario caused by my inability to reapay my loan on time.Thanks to you all.

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  • Aggrey    Apr 1, 2015

    I am still badly off financially due to my wife's sickness and low business returns but I promise to resume normal instalment repayments as soon as I get up from my knees.
    i received the notification and am requesting my lenders not to panic as I will clear my loan and I am committed to it.
    Thanks.
    Aggrey

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  • Aggrey    Feb 28, 2015

    l am presently not able to pay more than the amount l have quoted above.l have to take care of my wife's medical expenses and it is eating into my finances badly.she fractured her leg at the ankle and had to be operated on.
    my budget is very strained and my Network business is very low.This is normal in this country during the months of January February and March.People usually overspent during December holidays then they have to meet school fees in January.
    l will improve on my loan repayment possibly after March.

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  • Aggrey    Feb 4, 2015

    I must sincerely thank the Zidisha family for their support spiritually especially during these moments of trials in my life.
    my parents are faring on well now after weeks of sickness.My wife too is actually recovering very fast.She has one big problem;learning how to walk using scratches.She is overweight and walking with these gadgets is a nightmare for her.I began 015 on a sad note but as the saying goes"A bad beginning has a good ending".I am looking forward to the good ending.
    I am lucky to have a loan with Zidisha otherwise if it was a financial Institution like a commercial bank then l would be in a big fix.l am able to readjust my loan payment with ease and this is why Zidisha beats all.Be blessed brothers and sisters!

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  • Aggrey    Feb 3, 2015

    I am unable to pay more pay more than this at the moment.My wife fractured her leg and is now in hospital as an in patient.The injury was very severe and from the look of things she will have to use crotches for quit some time.l have to spend a lot of money on her medication especially the pain killers.It is just last week when l came from my rural home where my dad and mom are sick.l need prayers because so many things are happening at the same time and they all need my attention financially.

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    • ToniMaree22    Feb 3, 2015

      Thank you for keeping us informed Aggrey. My thoughts are with you and your family and I hope that your wife heals quickly and feels better soon.

      We understand your situation and support you!

      All the best for the coming times. I hope that things will look up for you soon! :)

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  • Aggrey    Jan 27, 2015

    l am undergoing financial crises at the moment.both my parents are sick and l have had to spend a fortune on their medication.Yesterday my wife slipped and fractured her leg and is now hospitalized as l write this text. In my country we pay dearly for being sick.l will be comfortable with the amount l have stated meanwhile and hope to increase the amount as soon as the situation improves.
    Network Marketing in Health Supplements is also down since most of my customers are only thinking of taking their children back to school.I am looking forward to getting back to normal in the next one month,God willing.

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  • Aggrey    Jan 10, 2015

    Despite the many ups and downs in my business I have been able to stabilize and I have indeed started making good returns.The end of the year proved very difficult for me financially since l had a sick mother and at the same time my daughter was getting married.All these activities required some good amount of money but thanks to my business which made it possible.
    Well,l can now say am back on the track and that very soon l will be able to repay my loan balance within the shortest time possible.My on time rating is not very encouraging but l intend to improve on it.

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  • Aggrey    Nov 15, 2014

    I am undergoing a very serious crisis financially.My daughter is wedding on 29th November 2014.l am involved in the preparations.This entails huge amount of cash.Thanks to Zidisha which has made it possible for me to meet all the requirements.l have so far spent 200$ and l still need a similar amount to bring it to conclusion.
    l am expecting to host a big number of relatives from my rural home.
    After the wedding, l will resume my status in payment of the loan.
    So far my business is doing well though the sales are a bit down now that we are heading towards Christmas.Kenyans are known for spending more during festivals such as that as opposed to there personal health.

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  • Aggrey    Sep 20, 2014

    l would like to reschedule my loan repayment from 350 Kenya Shillings to 288 Kenya shilling.l have had to overspent the money l had on medical treatment for my wife who is unwell.l intend to readjust this payment as soon as my financial status gets back to normal or immediately l get my Bonus payment from TIENS.
    l am glad that the issue of my last weekends payment having not been received was resolved.l love zidisha as l have been accorded an opportunity to make better my life through affordable and easy to pay loans.
    God bless you all

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  • Aggrey    Sep 18, 2014

    I am so grateful at last the payment problem is resolved.Be blessed all
    Thanks

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  • Aggrey    Sep 17, 2014

    Here is the confirmation of the money l sent which MPesa confirmed. FQ66XC749 350 sent to zidisha inc. for account 0700005911 on 13/9/14 at 12:11PM.
    Thanks.
    Aggrey

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  • Aggrey    Sep 17, 2014

    Kindly check the records properly as l did send my payment on 13th September through the usual pay bill 600201 and of course using my number 0700005911.There must be an oversight somehow concerning my account.
    Thanks and God bless you.
    Aggrey

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  • Aggrey    Sep 16, 2014

    l sent the payment of 350 Kenya Shillings on 6th september and l hope it will be credited into my account soon..
    Thanks.

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