Bavarian    Nov 11, 2014

Doreen, please tell us what is going on! Has Zidisha been wiling to reschedule? Even if you feel insulted by some comments. You are expected to communicate and to inform investors when you are going to resume your payments! If you do so, investors might understand your situation. If you don't communicate, we will think you are a thief, which we hope you are not. Are you?

Bavarian    Sep 6, 2014

Dear Doreen, I hope you and your family are doing well. We haven't heard any news from you for a while und you are behind your repayment schedule. Please keep us informed how things are going. Regards, Bavarian

AWOL    Jun 3, 2014

Hello Doreen,

It has been over 2 months since your last
payment.

May we get an update on your situation?

CZC    Mar 27, 2014

Ms. Ntabo,

I would like to thank you for your most recent repayment. I hope you are doing better now and will only grow stronger.

Best wishes,
Cris

Doreen Nyaboke    Mar 27, 2014

hi lenders,yesterday i made a small payment and today i have increased the weekly repayments.i have just started the business after the incident i had.i promise to be increasing the weekly repayments my business picks up once more.
Thank you.

evinpa    Mar 12, 2014

Hello Doreen,

I am a lender on Zidisha and happened upon this discussion on your profile page.
I also had the same problem when I first signed up for the forum. I got an
error that said “you have insufficient privileges.” All borrowers and lenders
are allowed to post of the forum. It is just a computer error that can be
easily fixed. You are most welcome to participate. You just need to send an
email to [email protected] with your
information and the username you signed up with on the forum.

My sympathies for the loss of your mom. No matter what
country we live in no one is immune from sadness and loss in life.

I wish you much success and hope the sun will shine for you
again soon.

Evinpa

AWOL    Mar 11, 2014

Yes. And looking at the repayment schedule, I would never have guessed that this is a second reschedule. I'm also wondering how the loan
progression went from $102 for the 1st loan to $492 for this one.
And that Ms. Ntabo has no mentor to give her advice.
Forwarding to staff for comments.

Shemuel    Mar 11, 2014

Thank you Chris for bringing this issue to light.

CZC    Mar 11, 2014

Ms. Ntabo,


I see that you have rescheduled your loan for a second time. When you advertised your loan to be funded your repayment schedule stated you would pay it off in 45 weeks. You later rescheduled and increased that to 105 weeks. Today, March 10, you rescheduled to 245 weeks. That is almost 5.5 times longer to repay your loan than your original time frame.


I am in favor of borrowers being allowed to reschedule, but I would like to understand why such a drastic increase. You did not provide us with an explanation as to why you needed to reschedule and specifically why it needed to be over such an extended period of time.


I would appreciate it if you could help us understand your reasoning.


Thank you,
Cris

• Doreen Nyaboke    Mar 11, 2014

  Dear
  
  cris
  
  i
  truly respect you and the how you have funded me but i suggest today i
  was really offended!your comments are not actually harsh but some how heartbreaking and i need to open my heart.today
  i was shocked to find my self being mentioned in a the forums something
  i didnt know.sure when i rescheduled my loan it doesn't mean i am not
  paying don't you even see its the sytem ?i cannot reschedule without
  explain and i cant even see what i wrote once more.I would like to point
  out that its up to Zidisha to decide the credit limit i did not invite
  any one and during my application there were no invite privileges and
  see how some lenders just put that i invited so many borrowers,is it
  really fair to talk ill of some one?Zidisha tells us i can reschedule
  the loan though i explained yet i cant see it.THESE does not mean i will
  keep paying ks,355 no i can still reverse back and reshedulle even in
  less period than before.you can imagine i losed my mum and despite
  these i reschedule to anable me pay a Little as i come back to normal
  just to get all these in forums.I believe my tear i am shedding only one
  person is understanding and feels the pain inside me.
  i do not have any courage to pay but i will took to zidisha if possible to pay some lenders first.
  i
  do not have any rights on forums to repply a thread but i fill offened
  yet these these issues you can email zidisha rather display on over
  millions of people out there,

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  • C

    CZC    Mar 12, 2014

    Ms. Ntabo,
    
    
    I am very sorry if you feel offended. That was not my intention at all. Please keep in mind that the comments on the forum to which you refer were made by several people. I am absolutely sure I never said anywhere that I expected you (or the other loan I mentioned) not to repay. If that was posted on the forum it was by someone else. I am also 100% sure I did not mention anything about the way Zidisha determines credit limits nor did I ever say that you invited a lot of people to join Zidisha. In a separate post I did say that there are some borrowers (no names given) that invite a lot of people they don't know. In fact, I don't think you've invited anyone. I see that you are hurt and offended, but please read the forums again to determine exactly who said what.
    
    
    It is not in my nature to offend people. Unfortunately, there has been some abusive behavior by some borrowers in the past regarding several different issues. Lenders have of late been quite frustrated. The forum is a place where both lenders and borrowers can express their opinions. If you do not have privileges to post on the forum it is probably because there is a glitch in the system. I, myself, was not initially allowed to post on the forum. I know that Eric Otieno had the same problem. What you need to do is send [email protected] an email requesting they grant you posting privileges.
    
    
    Do not get me wrong, I am not against a borrower being allowed to reschedule - I think rescheduling is actually a good thing. However, you have rescheduled twice since you took out your loan which initially had a loan term of 45 weeks. You then rescheduled to 105 and then yesterday you rescheduled to 265. I was just stating facts. To a lender, it is a very frustrating when there is such a lengthening of a loan with no explanation as to why or what your future plans for repayment might be. Looking at your loan page, I do not see any communication from you since you took out your second loan.
    
    
    I'm not quite sure I understood in your posting above, but did you say you just lost your mom? If that is the case, I am truly sorry and certainly sorry for the timing of my inquiry.
    
    
    Please remember that lenders are, for the most part, quite flexible and understanding as long as there is communication. As for citing your loan (and someone else's) as an example of some rescheduling issues, I'm sorry that upset you. I did not mean to single you out. If I had the time and the wherewithal I am sure I'd be able to find other similar examples throughout Zidisha.
    
    
    Again, I am very sorry you were hurt and offended.
    
    
    Cris

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Doreen Nyaboke    Mar 10, 2014

First and foremost, i would like to thank you for your support of which i can see my business has expanded by adding more stock. Also i will like to thank entire lenders of zidisha team for the support of lending funds. Thanks a lot and may God bless you abundantly. First and foremost, i would like to thank you for your support of which i can see my business has expanded by adding more stock. Also i will like to thank entire lenders of zidisha team for the support of lending funds. Thanks a lot and may God bless you abundantly.

Shemuel    Feb 17, 2014

You are very welcome and I wish you the best in your endeavors.

Doreen Nyaboke    Feb 9, 2014

First and foremost, i would like to thank you for your support of which i can see my business has expanded by adding more stock. Also i will like to thank entire lenders of zidisha team for the support of lending funds.
THANKS lot and may God bless you abundantly.
THANKS lot and may God bless you abundantly.

mewesten    Oct 30, 2013

Hi Doreen,
Your first payment arrived today. Thank you for that.
Hope the additional capital is helping your business.

Looking forward to hearing from you. Best wishes,

Marvin

• Doreen Nyaboke    Nov 11, 2013

  First and foremost, i would like to thank you for your support of which i can see my business has expanded by adding more stock. Also i will like to thank entire lenders of zidisha team for the support of lending funds. Thanks a lot and may God bless you abundantly.

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• Doreen Nyaboke    Jan 20, 2014

  Dear Marvin,
  Things are really doing well on my side,the loan you gave me and the other lenders has really my business and looking forward to finish my loan on time.
  I wish you a lovely week marvin.
  Doreen

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