Purchasing

Francis

Bilal Narok, Kenya

78% repaid

Follow Francis How it Works

Entrepreneur

Name

Francis

Member since

July 2013

On-time repayments

62 installments  •  23%

About Me

I am francis njuguna i am a family man of three children in which all are schooling.I also have my own business whichi opened it for the last four so that i can invest from it and also i can help myself and also to educate my children's but due to some circumstances sometimes the business seems to bring a loss and it give me some challenges to the business.but due to all these challenges i still manage the business and also i manage to add more stock to the business.I also get some profit and also i manage to save some of the money

My Business

My business deals with selling of hardware.I started my business which helped me so much in educating my childrens and also adding more stocks to the business.But due to some of challenges i get to the business sometimes it make alot of loss but still i manage it.Am thinking of opening another business still for hardware because i have is making alot of profit and also is well known to many peoples.The business deals with selling of spare parts like cars spare,motorbike spare,biycles spare and many other.

Loan Proposal

Thank you so much for the previous loan that I received I used it nicely I found alot of profit that helped me soo much Now this loan I am going to use it expand my business and start minor repair of vehicles that I will be selling my spares too.
I strongly believe my business will grow very high and I will receive high profits that will result to more expansion to my business here in petrol filling station.
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Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$380.00

Date disbursed

Mar 13, 2015

Repayment status

Late

Projected term

12 months

Other loans

Aug 2013:  $100

Nov 2013:  $205

Lenders

J

jobo

Darmstadt, Germany

Dianne

Maryville, United States

AWOL

USA, United States

valentin

Stockholm, Sweden

investor

Candiac, Canada

AdamP

Sunnyvale, United States

Umair Mahmood

Raleigh, United States

D

drjofleming

UK, United Kingdom

DeanDropshot

Oslo, Norway

F

Fiodal

Helsinki, Finland

I

Interfree

Dubai, United Arab Emirates

F

faical

Cologne, Germany

mike123riley

Palo Alto, United States

Zidisha

Sterling, United States

H

HappythroughHelp

Torrance, United States

C

cjmenchaca

Austin, United States

Simon Thomas

Christchurch, New Zealand

OliverSouthwick

London, United Kingdom

Kysera

Crawfordsville, United States

S

SelvaMarcus

Green Cove Springs, United States

M

mgeck

Munich, Germany

HE

help each other

Glasgow, United Kingdom

F

fisaire

Ithaca, United States

G

grahamfamily

Guildford, United Kingdom

T

tonilends

catalonia is not:, Spain

indeh

London, United Kingdom

Quentin

Toronto, Canada

kickerofelves

Sao Paulo, Brazil

D

Dadiolafs

Vestmannaeyjar, Iceland

P

penguin3694

Chicago, United States

R

rpmccarthy

Sydney, Australia

M

michaelangers

Toronto, Canada

D

DThirteen

Miami, United States

I

imnot

Stafford, United Kingdom

O

Oscart

Edmonton, Canada

M

mkellerman

Shanghai, China

basicus

Cairo, Egypt

bycyt

Whitefish, United States

L

LindsayB

Sydney, Australia

Muslim

Riyadh, Saudi Arabia

M

Morgue

Brighton, United Kingdom

J

jquinn373

Minneapolis, United States

BF

Bob Fitzjohn

Fontvielle, Monaco, Yemen

F

fundfinite

Wellington, New Zealand

isabelv

Barcelona, Spain, Sweden

GarmdGriek

Oslo, Norway

Z

ZacJ89

RIverside, United States

iamdaimo

London, United Kingdom

Zal0m0n

Atlantis!!!! x), Mauritania

M

mmisoo

Nova Dubnica, Slovakia

gseletko

South Perth, Australia

A

ask21900

Cedar Rapids, United States

mojobob

Hayward, United States

G

granite

Stanford, United States

Z

ZandC

Sacramento, United States

V

Volpone

Geneva, Switzerland

Lambie

Perth, Australia

S

seikatsu

Palo Alto, CA, United States

Matthieu

Switzerland, France

xtrahardware

Cazenovia, United States

E

ejc211

Somerset, United Kingdom

M

Madone52

Brisbane, Australia

HealthcareProvider

Baltimore, United States

E

E

Marin county, United States

H

Haavard

Bergen, Norway

JulianHF

London, United Kingdom

B

bwitt

Berkeley, United States

M

MarkKrakow

Joliet, United States

G

guggl

Vienna, Austria

G

GanSatya

United States

Walterlo

West Hollywood, United States

B

BobHope

United States

sderickson

Berkeley, CA, United States

O

oonbug

United States

pvilliger

Zurich, Switzerland

H

HoseB

San Francisco, United States

Matching Fund

Sterling, United States

D

drorm

United States

cc5alive

Los Angeles, United States

ColinHicks

Chichester, United Kingdom

R

richardavsmith

United Kingdom

L

lenders

United States

S

Skoo84

Romania

S

spivurno

United States

B

Believe

Belgium

M

meric

Australia

S

science4sail

United States

S

SimonAngus

South Africa

M

miwiedmann

Germany

D

dagjomar

Trondheim, Norway

L

leumasmc

United States

Pankratio

EastVan, Canada

B

BernardoPinto

Chile

joshuacollinson

Vienna, Austria

A

ajayhk

San Jose, United States

2

2H9vmNex

Germany

J

jbhernan

United States

Agerfar

Aarhus, Denmark

H

hodor

Australia

M

madeleinec

United States

TyWee

Manila, Philippines

S

secureit

Taiwan

W

wesbh89

United States

pixelsebi

Berlin, Germany

A

AlexH

United Kingdom

dpollard

United States

G

gabrielhidasy

Brazil

L

londonmi

France

S

stryker75

United States

SV

sven vdk

Twickenham, United Kingdom

M

M.Umar

Pakistan

E

eveliendb

Belgium

T

tomasl9

Belgium

KM

Kirsty M

United Kingdom

E

Esther

Canada

Cathy

Melbourne, Australia

Ask Francis a question about this project, share news and photos of your own, or send a simple note of thanks or inspiration.

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  • Francis    Jun 16, 2015

    hi zidisha team.i thank you for the good work.i want to apologize for the lateness of the payment .my business was affected by the rains whereby almost everything was destroyed .you saw what happened in narok on television.but we thank god because we are alive.so far i have tried to revive my business.in two weeks time i will be able to pay what i owe,please bear with me .i hope to coperate till the end.thank you in advance.

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  • Francis    Mar 30, 2015

    thank you zidisha for giving me the third loan. i appriciate your good work.me n my family was so happy coz my daughter who is in university needed a laptop for school work.my business is doing fine due to the first two loans. thanx to zidisha.

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  • jan73    Aug 30, 2014

    Francis,

    I have been trying to figure out why your loans have been so slow to fund compared to other loans by other fathers who are supporting all of their children to be in school, and with excellent repayment histories. Posting a smaller loan did seem to help with the one you just repaid, but it still took a long time to fund.

    Maybe try using a different photo where it does not appear that you are smoking a cigarette? (Or the Shell company sign?)

    My apologies in advance as I expect these will sound like weird suggestions, but there must be some subtle thing that is keeping people from supporting your worthy request.

    Maybe try posting a new photo of you with one (or all) of your children?

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    • Valentine    Sep 1, 2014

      Dear Jan73,

      I think you are right towards that advise,actually he should look on two things:-1 Should consider describing well on how he is going to use the loan.2 A good picture taken from his business.
      If he takes your advise he will get funded.

      Thank you,
      Mongola

      Log in to reply • Share

  • Asamoah    Aug 23, 2014

    Francis you have make a good attempt and i am praying for you that you will be given the next Loan to expand your business. Keep in touch with Zidisha all the time.

    Log in to reply • Share

    • Francis    Aug 24, 2014

      thanx Asamoah Matthias may GOD hear your prayers for praying for me i hope bisness over there is good .also am still waiting for the third loan hoping zidisha team will lend it quickly to me ,thanx once again

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  • jan73    Aug 7, 2014

    Francis, I am sorry for any confusion. I was writing to Jossy2011 who claims he lent money to you, and to others, in exchange for wanting you and others to support him when he posts a loan.

    The intention of my note was to make it clear that you (and others) are under no obligation to lend or give money to someone like Jossy2011 in exchange for them posting good wishes to you.

    I do hope you reapply for a loan. I would like another opportunity to invest in your business.

    Jan

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  • jossy2011    Jul 22, 2014

    Hey,
    Am a newbies here,I have thrown a few dollars your way.I expect you to Rate me and recommend for a loan to me,
    I trust you shall reciprocate the gesture when I list for my loan soon,
    Best wishes!
    Thanks

    Log in to reply • Share

    • jan73    Aug 3, 2014

      Jossy2011, I do not see any "dollars thrown" towards Francis by you for him to 'reciprocate the gesture' when you list a loan, which is not how Zidisha works, in any case. I expect Francis to use all of the money loaned to him in exactly the way he has stated in his loan proposal, not taking an additional risk with it by re-lending it out to others such as yourself. Please review Zidisha's process for borrowers found at www.zidisha.org/microfinanc... Specifically, notice that the endorsements you will need are from your family, neighbors or work associates, and the leader of an organization in your community, not from other borrowers with no other connection to you. Jan73

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  • Francis    Jul 10, 2014

    This loan has greatly changed my business so much.It is easy to access,easy to pay also their interest are low as compered to our local banks.Thanks be to Zidisha team.

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