Zidisha |

Joyce

Mtwapa,mtomondoni, Kenya

Funds disbursed

$0 to go

100% funded of $500 goal

days left

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How it Works

Entrepreneur

Name

Joyce

Member since

October 2012

On-time repayments

11 installments • 0%

About Me

my name is Joyce Thoya from mtwapa Mtomondoni in kenya,i went to Ganze primary school in the year 2000.am now married with two children,a boy and a girl who are now in school within mtwapa.am a dressmaker by profession having been trained at the kisauni polytechnic in kenya.i also sell potatoes and bay porridge to children centres within mtwapa.i started this business to edyycate my children as education is the only key to success.the earnings obtained is used to p[ay fees for my kids.

My Business

My business include dressmaking,selling of porridge and potatoes to the mtwapa residents.there is demand for these services becayse of cleanliness in my work place and too i uphold professionalism.Risks include lack of customers due to low tourism since this is a tourist hub.My monthly revenue is kshs 15,000 from all business less kshs 6000 expenses.the balance will be used to pay for my loan and other expenses.please consider this request.

Loan Proposal

the loan shall be used to add more stock for my three businesses,these include Tailoring and dress making,here i will add more clothes for sell and one sewing machine of reasonable price.I expect this to generate about kshs 9,000 in a month.I will also buy more potatoes and wheat flour for my potatoes business,this would coast about kshs 5,000 and finally my porridge business is also good enough.This will ill add more wheat flour and margarine for this business.I expect this to generate about kshs 3000 in a good month.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$500.00

Date disbursed

Nov 5, 2012

Repayment status

Late

Projected term

12 months

Lenders

EricDWalters

Rochester, Mn, Usa, United States

investor

Candiac, Canada

Gastao

Covilhã, Portugal

michaelkwolek

Boulder, United States

catootje

Zoetermeer, Netherlands

Blond56

Victoria, B. C., Canada

sersub

San Diego, United States

Andrea

Bergamo, Italy

ToddK

Indianapolis, IN, USA, United States

Kongsberg, Norway

Saskatoon, Canada

Brisbane, Australia

Canberra, Australia

Chicago, United States

Snake707

Somewhere, Germany

russell

leicester, United Kingdom

grahamfamily

Guildford, United Kingdom

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analinjsaturria Oct 31, 2013

Dear lenders,

It's been a long year of follow ups with Ms. Thoya. As of today, she's been in arrears for 11 months minus 10 days. During this time, we've had at least 11 people involved in following up with her, between Volunteer Mentors, Zidisha Volunteers, our former Client Relationship Manager in Kenya, and Julia herself, myself also included. As you can see from my comments in past months, earlier on our follow up attempts at least rendered some information. Over the course of this year, Joyce has become more and more difficult to reach.
We are aware of the fact that Joyce spent a significant amount of time ill and at at the hospital, and informed you of this fact upon coming across it. She provided several exact dates in which she would resume her payments, failing to meet each one of them.
Our Volunteer Mentors even went above and beyond their duty and visited her business location in person (something they are not required to do, as we do not cover transportation costs), only to not find Joyce at her business. Her additional contacts were equally difficult to reach over the course of all these months.
The email notifications you've received on this matter contain more information about our next steps. If you still have additional questions or concerns, feel free to contact us at [email protected].
We look forward to continue working with you.

Sincerely,

Analin Saturria McGregor
Country Liaison Manager
Zidisha.

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S
Snake707 Sep 26, 2013

Dear Zidisha Staff,

can you try to make contact to Ms. Thoya and inform us about what is going on? I do not really care that much about the loan principle, but an update would be nice nevertheless.

Regards

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analinjsaturria Apr 11, 2013

Dear lenders,
This is Analin Saturria McGregor, Communications Associate at Zidisha.
We've been informed today that Joyce's health woes have continued during March. She spent several weeks admitted to the Kilifi hospital. She has been released since and is back at work. Her business has been closed for the majority of March. Ms. Thoya expects to resume her payments as soon as possible now that she is back in business.

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Julia Kurnia Feb 17, 2013

Dear lenders,

Zidisha volunteer and fellow borrower Mr Cosmas Kenga paid a visit to Ms. Thoya this weekend. He found her ill and unable to get out of bed, and this is why she has missed her January and February payments. Ms. Thoya intends to catch up as soon as possible once she has recovered.

Best regards,

Julia Kurnia
Director, Zidisha

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- Sister Feb 18, 2013
  
  Dear Ms.Thoya, I wish you a speedy recovery and that you will get well very soon! My best, Sister.
  
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