Technology upgrade

Richard

Nairobi, Kenya

67% repaid

Entrepreneur

Name

Richard

Member since

September 2015

On-time repayments

94 installments  •  18%

About Me

I am the second born boy child in a family of five, two girls and three boys. I was born on the 13th September of 1983 in a small village in western Kenya called Kaka mega where I started my education at the age of 4 years. I grew up in a strict environment from both parents who focused on discipline and education for a better future. During ma childhood hood days after finishing my homework, I would go and play football with my home friends where I met a father to my close friend who was an electrician. I developed interest in the wires that housed to carry in his toolbox never to mention his screw driver tester, and this where I started developing an interest in electronics. I remember one day when I was in class six at the age of 11 ,when my fathers cell(battery) radio got spoilt and lost it waves I decided to open it up with a sharp knife where by I started tuning the inside coil and loosening and tightening any screw that I came across until I started hearing some scratchy voices from the inside. And I thought that was an achievement for a repair job.
i completed my o level in 1998 where i joined a good high school and passed later to join college for a computer course.
on completion, I dint manage to get a job for one year where i got a baby girl and had to provide for my young family. My daughter gave me the courage and energy to work extra hard where I started a small computer repair and maintenance workshop which has been supporting me and my family to provide daily needs to date. My culture evolves around Christianity but we experience some cases of traditional practices which current generation is fighting hard to wipe the ancient culture out.
My daughter always wants to be a pilot in the future that’s why I want to give her best education she deserves. During my free time and especially weekends I like to watch football and a times keep my brains busy playing chase game and PlayStation. Thank you.

My Business

I have a computer repair workshop in Buruburu estate where i have one employee who assists me in my daily activities for smooth running of the business. My small business revolves around computer world and technology which seems to grow each and every passing hour. I started my business right from college and it is now 9 years old. I started with a capital of Ksh 65000 from the help of my father where i had to buy a computer set Pentium four and a printer. Due to customers demand and good customer care I had to buy a modem to update clients computers and laptops anti virus and latest updates.
I mainly deal with repair works on crashed computers, windows repair, software installations, applications, antivirus and general updates. I have mastered some other skills on the field like broken screen replacement, motherboard repair, upgrades like memory and system upgrade. I got a few skills on networking too.
I would be glad if I start getting loan to buy a strong computer with high specifications like big storage capacity, good memory and speed, I would like a networking tool too which will be of great use in field of work. Later I would like to have an external hard drive of large storage capacity for backing up important clients data. I would be very grateful for your support in lifting my business, thank you.

Loan Proposal

I would be very grateful on getting the loan which i will first buy a good quality external hard drive of 1 terabyte storage space to accommodate my clients data on backing up.costing of the hard disk is 70us dollars and the make is AData hd710 which i think will serve me better due to its improved rubber casing.
I always get cases of data loss which i think the external hard drive will be of better use for recovering clients data.This will make me get more clients and therefore mean make more money for my business.Thank you

Feedback

None

None

None

Loan Info

Project Type

Classic Loan

Disbursed amount

$150.00

Date disbursed

Sep 23, 2015

Repayment status

Late

Projected term

22 months

Lenders

M

MattLondon

London, United Kingdom

G

graememoss

Amsterdam, Netherlands

mtnsailor

Harrisonburg, United States

G

GrandmaMae

Wausau, United States

stever

Cape Coral, United States

R

rossgarlick

United States

J

JennK

Australia

M

Manley

Windermere, United States

WiscoHorndog

United States

TyrynyRed

United States

Otto Barten

Amsterdam, Netherlands

Dave

Ede, Netherlands

K

Kristiina

All Countries

W

Wade

United States

EF

Eddie Flores

NYC, United States

BS

Brad Syverson

United States

SJ

S.G.R. Judson

United Kingdom

T

Trish

Hong Kong

D

David

United States

A

Anonymous

United Kingdom

I

Irene

Switzerland

M

Marjolein

Netherlands

D

Didem

United States

TF

Tom Fawcett

United States

S

smg

Canada

Jason Ormand

New York City, United States

A

Andrei

United States

B

Bramlage

United States

JG

Jake Gibson and Beverly Picardo

San Francisco, United States

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  • Richard    May 15, 2017

    Dear Zidisha Team,
    I am sincerely sorry for the delay in payment of the remaining zidisha loan.I apologize for any inconvenience or frustration i have caused my team. The delay was caused by low business returns but am soon expecting good returns by end month and would clear my loan by end of June. Thank you for your time and patience.

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  • Cliff    May 15, 2017

    richard says he remains with a little amount to clear and he will do that soon.

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  • Cliff    Apr 10, 2017

    innocent didnt give me a feedback so am still waiting for that before i can give clear details

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  • Richard    Sep 9, 2016

    low business profit turn up at the moment but will do adjustments soon.
    thank you.

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  • Richard    Aug 26, 2016

    I hereby humbly apologize for the repayment delays due to falling ill for past one month but as am recovering ,i wished to inform you as Zidisha team to bare with me during this difficult time i underwent while admitted which i and my family incurred huge costs on medication drugs so i request you give me some time as i recover and start repaying my loan on mid September .. and request to maintain my weekly deposits of K sh 600 as my business stalled again . please expect some good change soon. thank you Zidisha, i will be glad for your positive response. Yours faithfully Richard Mukuyia.

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  • Richard    Jul 6, 2016

    financial difficulty i have at the moment due to unexpected medical expense. Thank you.

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  • Richard    Mar 23, 2016

    Thanks Zidisha team for accepting my apology and adjusting my installments which am working hard to be paying on time.

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  • Richard    Mar 19, 2016

    Hi Zidisha team,I am putting a remedy to the situation by adjusting my installment amount from 650 to 300 due to the financial difficulty i have at the moment due to unexpected medical expense. Thank you.

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  • Richard    Mar 8, 2016

    Dear Zidisha Team,
    I am sincerely sorry for the delay in payment of my loan.I apologize for any inconvenience or frustration this has caused to my entire team.I was unable to send last months installment of Ksh 650 on time due to unexpected medical expenses.
    I appreciate the opportunity given to expand my business with your great support you granted me and ask for your understanding during this temporary financial difficulty due to sickness that got up with me unexpectedly. While I take full responsibility for my mistake, i would like to assure you that this was a one time error on my part. I am putting a remedy to the situation by adjusting my installment amount from 650 to 300 that i will try my best by installing into Zidisha account every week. I do promise to put this installment into effect from next week and ensure this does not happen again.
    I would appreciate it if considering the circumstances that were beyond my control leading to my infraction, you would be willing to accept my apology and progress together.
    Thank you for your time and patience.
    Yours Sincerely,

    Richard Mukuyia.

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  • Richard    Jan 21, 2016

    I humbly apologize for the repayment delays but give me some time al work on it and request to maintain my weekly deposits of K sh 600 as my investment returns have been very slow this month but do expect some good change soon.

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  • Richard    Dec 26, 2015

    pardon guys am experiencing some difficulties demanding my clients this holiday time but i believe i will manage my loan installments on time..thanks

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  • Charles    Dec 16, 2015

    Richard has promised to resume paying his loan on Monday 21st December 2015. He explained that his business had a low turn but is now back on track.

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  • Richard    Dec 14, 2015

    Probably am working on the repayment of my overdue installment on monday morning and please accept my apology for the lateness. thanks in advance.

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  • Richard    Dec 14, 2015

    Pardon for the delay to all my lenders as my work place had to be relocated which affected my business a great deal but hopefully from next week before Christmas eve all will have settled.

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  • Richard    Dec 14, 2015

    Pardon for the delay to all my lenders as my work place had to be relocated which affected my business a great deal but hopefully from next week before Christmas eve all will have settled.

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  • (Comment deleted by author)

  • Richard    Nov 13, 2015

    thanks lenders for your support on installment adjustments am working out on the next deposit

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  • Richard    Nov 5, 2015

    I am sincerely sorry for the delay in payment on my zidisha weekly installment. I apologize for any inconvenience or frustration this caused all my lenders. The delay was caused by my falling sick and admission the past month. While I take full responsibility for my mistake, I would like to assure you that this was a one-time error on my part. I have already put a remedy to situationas am now back on feet fully recovered and i plan into effect to ensure that this does not happen again.

    I am expecting some payment for my repair job this Monday on 9th which i will deposit on time. I would appreciate it if, considering the circumstances and the fact that this is my first infraction, you would be willing to waive the late payment fee.

    I apologize again for the delay and thank you for your time and patience.

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    • Andrei    Nov 7, 2015

      Thanks for letting us know. As for the late payment fee you would need to talk to your representative. I don't think the lenders decide that. Best of luck.

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  • Andrei    Oct 16, 2015

    Thanks for the update. I hope it works out.

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  • Richard    Oct 15, 2015

    Pardon lenders for the delay as my project clearance was postponed but am yet to receive my partial payment today which i will also repay my loan by tomorrow.Thanks for your patience.

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