Joel    Jul 14, 2014

Hallo my worthy lenders and the Zidisha team,
This is to let you know that i have not settled this July loan installments.I will be doing so probably from date 25 this month,July.This has been caused by my worthy customers who have not yet settled their last months money whom i had offered them on credit.I apologize for the delay caused.

James    Jun 29, 2014

Hello George. I am impressed by your business .I am from Mombasa and i deal in handicrafts..

Joel    Jun 13, 2014

Hello zidisha team and the lending team,
It seems that there is a bug in my loan page.I had rescheduled my loan one day ago,and it reflected that i have paid all my loan.I am requesting the team to look into this problem and resolve it.Thank you for your continuous support in my shop.

• bconrad    Jul 8, 2014

  Dear Mr. Obunga,
  
  Thanks so much for reporting this to us, and I apologize for the time it took to see your message! There is a bug in our website that causes loans to appear as fully paid sometimes when borrowers reschedule. I see this happened to your loan as well. The best way to keep a high on-time repayment rate when this happens is to continue making payments that we can then post when the error is resolved. Thank you again for letting us know and I apologize for the inconvenience!
  
  Best,
  Bayle, Country Liaison Manager

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Joel    Jun 12, 2014

hallo zidisha microfinance management and the lenders.it is my humble time to request the zidisha team to reschedule my loan.i have been operating my shop in low turnout for the few months ago.it has been challenging and that is why i am requesting to abscond paying my full installment now.i will make my payment in the coming date of payments.thank you all.

Joel    May 14, 2014

Hallo all the zidisha team and the lending panel,I have been in silence for long period of time although i am fine too and my shop too is doing fine.For now i will not be able to send this month dues.I am planning to send my payments from the coming month.Thank you all and sorry for the inconveniences caused.

Joel    Mar 26, 2014

This is to notify my worthy lenders and the Zidisha team in general that i will not be in position to pay today my installments.But later in the next ten(10)days i will be in position to repay Kshs.5000.This will be possible as for now my clients have not paid the goods i had sold to the on credit but they have promised to settle their payments by the end of coming week.I promise as i had been in my earlier loans to be punctual regardless of this obstacles.Thank you for bearing with me at this moment.Joel.

• C

  CZC    Mar 26, 2014

  Mr. Obunga,
  
  Not a problem. Thank you for keeping us informed.
  
  Best of luck,
  Cris

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Joel    Jan 27, 2014

how are you doing my worthy zidisha team and all the lender.I hope you are doing marvelous.Still back here at home,Kenya we are doing fine and our business too.Today i have rescheduled my monthly payments due to that i had been straining through out this month of January because i had been catering my brother's College fees and also my wife had been blessed with a new born baby on 23/01/2014,which has caused me to be closing oftenly/always to look for her and our new born baby.Otherwise i will try all my best to see if by next month i will catch up with the original schedule.Thank you all and i'm sory for the inconveniences caused.

• mewesten    Jan 27, 2014

  Hello Joel,
  Congratulations on your new baby! That's wonderful news! Thank you for letting us know.
  I understand on the rescheduling. You are a good man and I know you will resume soon.
  Best of luck to you and your family!
  marvin

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Joel    Nov 24, 2013

Once again Thank you to all the zidisha team and the lending panel for entrusting your funds to my business.I am humbly touched by your efforts for your continuous support by making my business more modernized and also stocked for more customers to serve and also making more customers through reasonable prices of my goods.I have no word to say to the entire team, only to pray to our Lord to bless you and add more into your pockets so that you lack nothing into your storehouse.I do promise the entire Zidisha team,that the funds you have loaned me will be in proper use,and we will be channeled to and concentrated to my shop.Thank you all and Be Blessed.Joel

Joel    Nov 23, 2013

Thank you so much all the lenders who have shown trust in me through your generous contributions towards my loan.I really thank you and i hope you will complete bidding my loan so that i cant make my business more stocked and more modernized.Thank you and be Blessed.

Joel    Nov 21, 2013

Hello Marvin(mewesten),and all the rest of my worthy lenders across the universe,It's nice to hear that one of your sons had paid you a visit after all those years.Surely he had remonstrated that he cares and loves you as parents.Was he out of the City or he had been out of the Country?Surely you had a wonderful time together with your son and your family in general.
All in all iam still doing fine together with my family.Also my grocery shop business is also doing fine.Just to let you know is that i had finally paid all my remaining balance yesterday(20/11/2013)whereby iam so happy since my business will never be the same again through your support.Thank you all for your support.Joel

• mewesten    Nov 22, 2013

  Hi Joel -- I appreciate your asking after us. My middle son lives in another state so it is difficult for him to afford the trip to see us. When we see him it is a special time, indeed!
  Glad you grocery is doing well! I see that you have posted a new loan, and I will do what i can to support you.
  marvin

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Joel    Nov 17, 2013

How are you doing all my worthy zidisha family members?It is my pleasure once again to communicate with you my worthy zidisha team.I hope you are doing fine wherever you are,and we thank God for this.For sure back here in Kenya,Nairobi County,i am doing excellent together with my wife and our daughter.Also in my shop the business is still pushing hard for a better tomorrow.I am waiting for some customers who had been coming for my services on monthly basis and i am hoping they will be paying me back early enough so that i don't get into arrears.I also thank you all the zidisha Management for your continuous support towards empowering small scale business around the world.Thank you for this and much more good things to come from your Organization.Thank you and have a splendid Weekend.Joel.

• mewesten    Nov 18, 2013

  Hi Joel,
  I went to your page today and was surprised to find two messages from you. For some unknown reason I no longer get email telling me when you post.
  Ho nice that you have a visit with your family! You obviously had a good time with them. Two weeks ago one of my sons came for a weekend visit at my home. That was his first visit in three years. Very good indeed.
  Glad to hear your grocery is doing well. Best of luck to you.
  Marvin

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Joel    Nov 11, 2013

Hallo all my worthy zidisha friends.It has been a very busy weekend to me ,since we had some visitors who had come for graduation and to visit my family all the way from Busia County,Western Province .We had a lovely weekend since my first cousin was graduating from St.Paul's University located in Limuru on Friday the 08/11/2013..That is why they decided to spend their weekend together with me and my nuclear family here in Kayole,Nairobi."They had killed two birds with one stone"as the said.
Also on the business matters,my shop is still doing good.Most of my clients have been appreciating on the way i am handling them and that is why they always come for the services in my shop oftenly.I do really admire on the way they appreciate my services to them,knowing in my mind that i have reliable friends who always come to my rescue during my hardship challenges and that is ZIDISHA MICROFINANCE.I really thank you all the zidisha management and all the lending panel for your endless support.God bless you all.Joel.

Joel    Nov 2, 2013

Hallo all the zidisha team.It has been a good afternoon here in Kayole,Nairobi.Finally my customers had paid me the goods i had supplied to them throughout last month.I managed to repay the last month installment and half of this month's installments.I am very sorry for the delay occurred, although i was sure with the promises my clients had given me for the deadline of their payments.
For now i have added more goods in my shop which are fast moving in order to be on time come next payments.Thank you for your patience and have a Good day.

mewesten    Nov 2, 2013

Thank you, Joel. A large payment arrived to my account today.

You have again demonstrated that you are a man of your word. To those of us who have lent to you before we already knew that.

I hope your business is thriving and giving you good income.
Best wishes,
Marvin

Joel    Oct 28, 2013

Good evening my worthy zidisha Microfinance family and the whole lending panel.Today had been a good day here in Kayole,Nairobi,although i am doing all it takes to make this month's installments paid.For now i am preparing to go to my customers who owe me this months credits(supplies)I do really apologize for not repaying this month's installments,although i am on my final course to have the payments done as soon as i get the cash from the customers who always come for the monthly payments services.I do sincerely apologize for this mess,and promise to pay come the end of this week.(31/10/2013)Please understand the situation for now.Thank you all.

Joel    Oct 25, 2013

Hello all the zidisha staffs and the lenders at large.I am writing to the zidisha management regarding this month's loan repayments.For now i cant make the promise as i had pledged,that is why iam kindly requesting the management to allow me to reschedule my loan so as to pay on 31/10/2013.This has been caused by the delays from my monthly customers who had not paid on time.Kindly i am promising to be on time come next month's repayments.Thank you and sorry for the inconveniences caused.Joel

Joel    Sep 27, 2013

Good afternoon all my worth Zidisha microfinance friend,and all the lending panel.I had rescheduled this month's repayments yesterday(26/09/2013). The reason being that my monthly basis clients have not remitted their payments.Although i was late by one(1) day,this was caused by the paralyzing of the cyber networks which was not accessible due to slowness and even sometimes no network at all completely within Nairobi.I do sincerely apologize and promise that come next payments, it will never be the same again.Thank you mewesten(Marvin) for your understanding and thank very much to all of you all..Joel.

Joel    Sep 26, 2013

I have rescheduled my monthly repayments for the reason that my customers whom i delivered the goods( on monthly basis) have not paid back for now,and therefore making me difficult to meet the payments of this month.Although after i had been paid by the starting of the next week,i will definitely pay this month's installments.I do apologize for the inconveniences caused.Thank you.Joel

• mewesten    Sep 26, 2013

  I understand, Joel. You're a good man, and I know you will take care of it when you can.
  Best of luck with business.
  Marvin

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Joel    Sep 4, 2013

Good evening all the Zidisha staffs,and all the lenders in general,today being on a Wednesday i had a good day although its been long since i communicated to you, my worthy zidisha friends.As days goes by,i can see some extreme changes in my shop.This is because since i bought charcoal in bulky,most of my customers have identified how good quality they are since i bought them(charcoal)in Mogotio area in Baringo County.I can assure you my worthy friends that my business is responding well and i thank you so much for this improvements in my shop .Thank you and God bless you.Joel.

• mewesten    Sep 15, 2013

  Hi Joel,
  Thank you very much for posting us a message. I appreciate hearing from you, always!
  I'm very happy to hear that your business is doing so well after your bought bulk charcoal. That's great news indeed! You're a good man, and I'm sure your customers appreciate buying a high quality product from you.
  Best wishes,
  Marvin
  PS If you could make a photo of your shop I'd like to see it.

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Joel    Sep 4, 2013

Good evening all the Zidisha staffs,and all the lenders in general,today being on a Wednesday i had a good day although its been long since i communicated to you, my worthy zidisha friends.As days goes by,i can see some extreme changes in my shop.This is because since i bought charcoal in bulky,most of my customers have identified how good quality they are since i bought them(charcoal)in Mogotio area in Baringo County.I can assure you my worthy friends that my business is responding well and i thank you so much for this improvements in my shop .Thank you and God bless you.Joel.