Paper and toner for photocopy shop

Ruth

Nairobi,dagoretti Corner, Kenya

100% repaid

Entrepreneur

Name

Ruth

Member since

May 2014

On-time repayments

300 installments  •  89%

About Me

My name is Mrs. Ruth Victorine Musela I am married to Mr. Yose Musela and we are blessed with one son, we reside on Riara Road in Riara Meadows 15 minutes walk from Nakumatt Junction. I am a retired secretary after being a secretary for the last 20 years. I decided to open a Secretarial Bureau where I offer secretarial services having vast experience in this field.

I thank God because I have managed to run it for the last 6 years but I would like to improve and boost it to become a bigger business.

My Business

About my business I started it as a typing and photocopy shop. Apart from photocopying I introduced snacks and drinks to keep my clients going as a do the photocopying and typing for them. My photocopier machine is an old version and I would like to get one that photocopy and scan at the same time. I also would love to increase my stock in the shop since it is in a prime area and it gets busy and I get that sometime I do not have enough stock. I would love to grow my business into a big business which can sustain me and my family. I have introduced M-pesa business through your kind assistance and it is doing very well only I need to have more float at any given time.

I have started a Self organization group of about 30 business minded people, we have meetings every Fridays with the aim of helping each other financially and with good ideas. I also have an orphan that I am educating through the finances I make from my business that's thanks to you people who have been of great assistance to me.

By God's grace I have started a prayer group which we meet and share the word of God and read the bible together and very soon we are starting prayer lesson where we impart other ladies on how to go before the Lord on your own I thank God for that.

With the help of God I know I can make it because there are opportunity.

Loan Proposal

MY business is growing well, i need the loan to help me buy items for my shop. The items are photocopying papers and toner for my photocopier machine. The papers go for USD 33 and the toner is USD 78. The rest i will buy use to stock my shop. Most people in my area of business have offices and they do mass printing, with the service i offer to them i am able to get a good profit as i charge USD 0.05 per copy and be able to pay the loan promptly. Please Zidisha fund me the loan and i will appreciate. Thank you in advance

Feedback

7

None

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Loan Info

Project Type

Classic Loan

Disbursed amount

$150.00

Date disbursed

Jul 1, 2014

Repayment status

On Time

Projected term

2 months

Lenders

KYLE LARSON

Little Falls, United States

karestan

Toronto, Canada

SeeMeeFi

Ontario, Canada

Sarasota

Sarasota, Fl, United States

Z

ZandC

Sacramento, United States

S

SnifferTheBunny

Brighton, United Kingdom

Matching Fund

Sterling, United States

A

aliyabe

United Kingdom

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  • Ruth    Jun 22, 2020

    RISK MONEY REFUND
    Ruth Musela Jun 22
    Hi Zidisha Team,

    I am writing to complain the way you are handling my situation as though l have defaulted with you money where as the people you are involving you are not being sincere to let them know that you have my Risk Money to the tune KShs.75,680/ which you can always deduct and refund me the balance of KShs..54,076 which leaves a sum of KShs.21,604/= instead of communicating to me you are tarnishing my name I am releasing to all of the people you have conducted with the communication and all the information about the loans and the amount of money you have been deducting but l still pay the full amount with the understanding that when l decide to stop taking loans from you I am supposed to get the deducted money back but you have decided to make me look like a bad person who has defaulted you have not even replied my message of 17th June 2020 please straight forward with everyone its so unfortunate the way your office is handling my situation I am very disappointed.

    Think about this situation so that the same should not happen to any other person in the Zidisha
    Family because this is uncalled for.

    Regards,
    Ruth Musela
    Reply
    Ruth Musela Jun 17
    This message came late and since l responded to it l have not heard from your side instead l get just reminders please can someone let me what l am supposed to do since l am financially down l have to close until God knows when this is a globally pandemic and l believe for the time being we hold the solution in our hands. Thanks

    Regards,
    Ruth Musela
    Ruth Musela Jun 17
    Hi Julia,
    Apparently on my side I do not have the said communication.
    I would love you to reconsider, mighty be some people have not been affected just like l have been am sorry l cannot promise to pay any money at the moment.

    I can't understand why my risk money can't stands in the gap for such a scenario. I believe you understand how we who can't work online and our potential clients have closed indefinitely, what do you want me to do?

    Remember this is a global calamity which l believe you people should understand we have been hit really hard. I am sorry to say that l would not lie to you that l can go to the adjustment of loan section to adjust the amount of money to pay while l have closed the business until am back on my feet and l hoped the balance as l quoted would be able to atleast assist me in one way or another.

    I am awaiting your favourable response l have been a long time borrower on this platform and l have never faulted in my payment am l asking too much from since this is not my making.

    Regards,
    Mrs. Ruth Musela
    RISK MONEY REFUND
    admin May 29
    Dear Ruth,

    I'm so sorry for the delay in responding. There was a technical error which caused us to not receive your message until now. The error has now been fixed.

    I'm afraid we do not have any way to use risk funds to offset loan repayments due. If you cannot afford to pay the full amount due but can pay just one unit of currency per week, I do encourage you to use our Adjust Installment option. We offer it in order to help anyone who is in financial difficulties and have relaxed restrictions around its use in response to the Covid-19 situation. You can adjust your installments to pay as little as you want (down to 1 unit of currency per week) and can use it as many times as needed until the situation improves.

    Using this option will reset your on-time repayment status so that you will no longer receive collection messages and you can maintain your on-time repayment rate, and there is no fee or charge for it.

    Please let me know if you have any questions or difficulties.

    Kind regards,

    Julia Kurnia
    Zidisha team
    Ruth Musela May 20
    Hi Lenders,

    I very grateful the way you assisted me in building my business l will always be grateful. Due to the covid-19 I am having a big challenge and sometimes l delay in paying and was requesting as l have calculated my Risk Fund since l started borrowing from you is KShs.75,680/= and the balance of the loan is Kshs.54,076 l would like to request that you deduct from my Risk Fund which will leave me with KShs.21,604/= you refund me. I would be very grateful.

    Thanking you in advance for you kind consideration.

    Regards,
    Mrs. Ruth Victorine Musela


    My Lenders I sorry to bring this to your notice because nobody wants to handle the problem in question instead they have send a email to the people who know as l am a defaulter and some of the emails they have not responded back because we have been applying for loans and you are not given in full and they told us we will have the deducted money back when you stop borrowing. Due the pandemic l have put in plain they deduct my balance loan from the risk fund and refund me the balance but they have turned a deaf year and decided otherwise that's why l have decided to write to you and forward my correspondence to you.

    Regards,
    Ruth Musela

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  • Ruth    Apr 24, 2020

    Hi,

    I am sorry I am only able to pay the above mentioned money ate the moment thanks.

    Regards,
    Ruth Musela

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  • Ruth    Mar 16, 2020

    Hallo,

    At the moment this is what l am to pay weekly bear with me. Thanks.

    Regards,
    Ruth Musela

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  • Ruth    Feb 7, 2020

    I am unable to pay more l have some financial challenges since schools just opened and have so much on my hands please bear with me thanks

    Regards,
    Ruth Musela

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  • Ruth    Dec 18, 2019

    Hi,

    l am only able to pay that amount of money at the moment bear with me thanking you in advance.

    Regards,
    Ruth Musela

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  • Ruth    Nov 11, 2019

    Halo,

    I am only able to pay the above amount comfortably since I have engaged on a project in the village for my family which l have complete by the mid next year at the same time l would like to continue to pay my loan. Thanks once again and bless you.

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  • Ruth    Sep 30, 2019

    Hi,

    l believe that is what l can comfortably pay without fail every month to clear my loan.

    Thanks,
    Ruth Musela

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  • Ruth    Sep 30, 2019

    Thanks for funding me It really boosted my stock. I restocked every all the items I need more and boosted my m-pesa its too early to determine my earning but l am sure come this time l will make extra more which l will be able to take my family for christmas holiday this year. My holiday we have to go where there hotels on the beach it out of town . Thanks once more for your kind help.

    Regards,
    Ruth Musela

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  • Ruth    Sep 8, 2019

    Hi my Lenders,

    I am very grateful l have received a total of Kshs. 71,226/- This will really boost my business am very thankful for lending me this money I will always owe it to you may God bless you mightly.

    Regards,
    Ruth Musela

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  • Ruth    Aug 31, 2019

    Hi Lenders,

    Thank you very much for your continued assistance l am great-uncle this will take me along way and am sure by the end of the year am sure I will take atleast my family for a nice holiday l owe all this to you people may God bless you big.

    Regards,
    Ruth Musela

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  • Ruth    Aug 30, 2019

    Hi Lenders,
    Thanks for your continued support you have always accorded to me l will forever be grateful and l am humbled with the sweet comments you made about me you are the best may you all be mightly blessed thanks once more.
    Regards,
    Ruth Musela

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  • Lucy Burns    Aug 29, 2019

    All the best!

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  • Ruth    Aug 26, 2019

    Dear Lenders,
    I am really grateful as the loan that you gave to me has made it possible for me to experience an increase in my profit margins and also an increase to my clientele. I will always be grateful to you for the help rendered for growth in my business. Thank you so much lenders.

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  • Ruth    Aug 19, 2019

    Hi,

    I am still financially down since I have school fees and upkeep money I have to pay until when the child I am educating finishes school please bear with me thanks.

    Regards,
    Ruth Musela

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  • Ruth    Jul 2, 2019

    Please bear with me l am still educating the poor student who I have decided to do it until they finish school. Thanks and God bless.

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  • Ruth    May 25, 2019

    That is the amount l am able to get comfortably weekly thanks

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  • Ruth    Apr 17, 2019

    I have informed you I have to take care of the orphan until he clears school please understand thanks. Thanks.

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  • Gideon    Mar 24, 2019

    Hello,thanks for being"on time"on your payments and letting lenders know. Be blessed.

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  • Ruth    Mar 4, 2019

    I stated that I am educating an orphan and I can not afford at the moment to raise the KShs.420/= since I have so many other shopping I have to do for him whenever he is to go to school and to keep in school full time please bear with me.

    Thanking you in advance.

    Regards,
    Ruth Musela

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  • Ruth    Jan 28, 2019

    As requested before I am still educating this orphan and I am only able to raise the above for the repayment of my loan comfortably please bear with me. Thanks.

    Regards,
    Ruth Musela

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