School fees for my young daughter to join kindergarten

Emmaculate

Nairobi, Kenya

100% repaid

Entrepreneur

Name

Emmaculate

Member since

December 2014

On-time repayments

268 installments  •  29%

About Me

My name is Mwikali Joseph Emmaculate. I hail from Kitui town but currently living in NairobiCity. Born in a family of seven children, am the third of them. I am glad to have managed basic, secondary and tertiary education. I have a young child who is called Sharon; she brings joy to my life every time. I am a holder of a Diploma in Graphics design which made me change all my ideas very much and I love it. My family really encourages me and I have decided to forge ahead and not to look back because I know when I plant, I will surely reap hence I sought employment from a company by the name of Ignite Branding where we have machines which engrave and have put my talent and education to use.

My Business

l went to a secretarial college here in Nairobi and trained as secretary and professional graphic designing. When l finished school l could not get job because of unemployment problem in my country but I started doing small jobs in a cyber Café where I learnt How to use a software by the name CorelDraw. My Company name goes by the name Emmah Graphics’ but due to financial strain and the coming of my Daughter I had to seek employment somewhere but still the desire of owning my own company has not apart. I am capable to design bill board, sign board, printing, photo copy, and engraving of diaries. But without the necessary equipment l am unable to maintain the flow of work thus I have to outsource some services from outside places. I travel to shops in Nairobi where l pays to use their machines .I have Managed to acquire a good clientele base where thanks to H.E The President launched an initiative for the youth which has made it possible to do work without a lot of huddles though at times challenges come.This Items my company offer come in handy when there are events ,celebration e.t.c

Loan Proposal

First and for mostI Would love to appreciate the whole fraternity of Zidisha for assisting me with my first loan, thus I come humbly again to you for a second loan.
This loan will assist me in taking my only daughter to kindergarten she is 3.5 years old.
The loan will assist me in paying for her the following school requirements:
-School Uniform =4500 (Usd 50)
-Admission and registration =4000 (Usd 45)
-School Fees for this Term =9500 (Usd 95)
The total comes to Usd 190.
Currently I have Usd 50 but this has been cut short with the purchase of books for the kid and thus has left me short but I know that with GOD's and your help I will be able to raise the remaining amount.Thanks in advance to all the lenders who welcomed me to this community.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$198.00

Date disbursed

May 14, 2015

Repayment status

On Time

Projected term

15 months

Lenders

fairspirit

Utrecht, Netherlands

G

Goldrivermob

Gold River, Canada

Enit

Luleå, Sweden, Sweden

Roy

Espoo, Finland

MW

Matt Willis

United States

Wendy

Los Angeles, United States

T

Trish

United States

O

Olivia

United States

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  • Emmaculate    Jan 28, 2020

    I want to finish paying this loan by june this year 2020

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  • Emma    Aug 18, 2019

    Hi Emmaculate, how you doing?

    If you could give us an update on how you're going that'd be great.

    Thanks in advance, Emma.

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  • Emma    Apr 19, 2019

    Hi Emmaculate :-)

    It might be helpful to ask if the zidisha team can restart things from today instead, so you're not trying to play catchup :-) You can post a msg here: www.zidisha.org/forum-threa...

    Hopefully they'll be able to help organise ways to avoiding your newer payments back-paying older ones... & Im guessing that would really help make it less stressful :-)

    All the best Emmaculate :-) Definitely get in touch with the team to try make things more managable for you :-)
    Warm regards, Emma.

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  • Emmaculate    Dec 4, 2018

    Hallow everyone ,
    The reason am reducing the amount to 100, is because my Job is not doing well and that why have not been paying the other installment.please i huge each of you to give me more time to pay.

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    • Emma    Mar 19, 2019

      Lower it as much as you need to Emmaculate.
      Thanks for the update :-)

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  • Emma    Nov 1, 2018

    Well done Emmaculate, good on you :-)
    If the amount is too high & causing stress, just ask the Zidisha team if they can lower it for you :-) Great to see you back... You're a strong woman :-)

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  • Emma    Sep 27, 2018

    Don't stop believing in yourself Emmaculate... You got this :-)
    You're already almost halfway... Just ask if zidisha can lower your repayments so they're more manageable for your current situation :-)

    Wishing you all the best, Emma.

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  • Emma    Jun 28, 2018

    Don't worry Emmaculate :-) You can do it :-) Sorry you've had such bad luck, but you're strong, don't lose hope... You've still got our support :-)

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  • Emma    Feb 26, 2018

    Well done Emmaculate :-) You're doing so well, its great to see you back :-)

    All the best with everything, Emma.

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  • Emmaculate    Feb 9, 2018

    Thank you for the advises and am really sorry for delay. There was a challenge from our company now we are back on track will clear my arrears. Thank u again for this opportunity

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  • Nicodemus    Jan 31, 2018

    Called Emmaculate to make payments this week

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  • Emma    Jan 7, 2018

    Hi Emmaculate,

    We still believe in you :-) You can do it... It doesn't matter if you're a little bit late. Just give everyone an update sometime soon & start back when you can :-) You'll be ok, you can do it...

    All the best, Emma from Australia.

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  • Nicodemus    Dec 25, 2017

    Have talked with Emmaculate n she will be in track

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  • Emmaculate    Nov 25, 2017

    There was a challenge from our company end but now we are back on track will clear my arrears and get back on track. Thank u again for this opportunity

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  • Emmaculate    Sep 17, 2016

    I can't make to pay the previous one the rate is higher than my income. Thanks

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  • Emmaculate    Jul 3, 2016

    Hae have a slight delay in my payments but will update when they are stable n back on track

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  • Emmaculate    May 31, 2016

    Kindly lenders fund my loan

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  • Emmaculate    May 11, 2016

    I have managed to get a good cash flow

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  • Roy    Mar 27, 2016

    Emmaculate, How are you?

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  • Emmaculate    Aug 25, 2015

    Hello lenders
    I thank you all for bearing with me and for prompting my volunteer to check on me.Business has been on the slow with most of the jobs being an issued LPO which matures by 60 days but I will change my status for repayment.

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  • Earnest    Aug 25, 2015

    hello lenders,
    Today was i have managed to contact Emmaculate concerning the delayed payments. She told me that of late she have been having financial constraints. We agreed that she will adjust her repayment schedule to a more suitable one which she will be comfortable to repay.
    I will keep communicating with her to ensure that she keeps her repayment on time.
    Thank you

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    • Emmaculate    Aug 25, 2015

      Hello lenders
      I thank you all for bearing with me and for prompting my volunteer to check on me.Business has been on the slow with most of the jobs being an issued LPO which matures by 60 days but I will change my status for repayment.

      Log in to reply • Share


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