Nancy    Aug 24, 2013

Hi lenders,
i want to thank you for your continued support,and want to thank you for the efforts to assist me money, as promised i did not make but i talked to vm 0720440680 and she is assisting not to default so i want to promise that by the end of this august i wish to make good my payment.
I want to acknowledge that i have not done well but will ask for forgiveness, to that extent. iam praying that this time i make it.my business has not been very well but am down but not out.
thank you
nancy

Nancy    Jun 21, 2013

hi lenders,
Thanking you very much for giving me the second loan, it has helped me out very much.
i want to say thank you so much for the effort to help people like us who want the interest to be low because as your so that we can afford to borrow,
thanking you in advance and will not let you down though am late but for sure i will finish.
the schools opened and business was not very good the tomatoes where very expensive so we couldn't get much to maintain ourselves plus fee
i say Asante sana
Nancy

Nancy    Jun 10, 2013

Hi lenders
greeting i want to thank you for your support which i like very much, i want to write to you my comment when i get a chance to know how to write using this computer because am learning every day but my child does for me i will tell him what to write to thank very much always for the support always,
am using the money you gave me to increase my business
God bless
Nancy

malcolm D    Feb 5, 2013

Hello, Ms. Njoroge,

I want to congratulate you for paying off your loan in a timely fashion. Also to say how impressed I am by your business acuity!

I am very happy for you, and wish you continued success in both your business and your personal life!

Malcolm Drake

Vivien    Jul 30, 2012

Hello Lenders,

My name is Vivien Barbier and I’m a client relationship interns for Zidisha in Kenya. Today, I had a meeting with Nancy Njoroge and two other Zidisha clients. After the meeting, Mrs. Njoroge brought me to the Magandi market in order to show me her retail business.

She is running a small grocery kiosk that sells mainly potatoes, tomatoes and onions. The kiosk is located in the open market of Ongata Rongai and is open every day. Mrs Njoroge started this business 4 years ago, after the death of her husband. She explain me that she decided to launch vegetable grocery business because if she didn’t succeed to sell the vegetable she could always put them in boiling water to feed her children. If found that it was a very smart way to select a business. Mrs Njoroge is a very impressive woman. She doesn’t speak a lot but when she says something it is always to say something smart. She needed the loan to increase her stock of vegetable. Since she can buy from her vegetable supplier only once a week, she had to have a big stock. During my visit, I was indeed surprised by the size of the potatoes mountain in the middle of her kiosk.

When I asked her about her children, she told me that two of them were now grown mans and that her 14 year-old daughters were studying in a private school. She explained me that private schools in Kenya are better than public schools and that her daughter would have more chances to find a good job with a good education. Mrs Njoroge is working very hard all week to put her daughter in a good school even if the price of the school is high.

Mrs Njoroge also told me that she was very thankful to Zidisha and its lenders for the support she got for her loan. Before joining Zidisha, she was borrowing money to banks at a rate of more than 24% per year. Such rates made it impossible for her to make ant profit. She explained me that she was scared of taking high interest rate loans because with it, small disruptions in the business could lead to huge financial problems. She told me that thanks to Zidisha’s loan, she was able to make a profit and to use some of it to buy more stock.

When we talked about her project for the future, she told me that she wanted to open a supermarket. Everybody laughed at the time, but now that I’m thinking of it, I remember that she is a very serious woman. So, I will not be very surprise if she finally manages to do it.

Vivien BARBIER
30th June 2012
Nairobi, Kenya