Abigael

Gesonso, Bomwanda, Kenya

100% repaid

Entrepreneur

Name

Abigael

Member since

June 2013

On-time repayments

42 installments  •  40%

About Me

My names are Abigael Birine M Nyachwaya , I am a married woman with one husband Vincent Momanyi. we have 4 children and 3 are in school in a private school. I was born Kisii South District, Gucha In Kisii Town. I am business woman selling secondhand clothing's (Mitumba) situated at Kisii daraja Mbili market opposite Kisii Industrial Area in Kisii county. I completed my College Level in Egerton University in 2003 as Secretary, thereafter I joined Kenya Education Partnership (NGO) from UK and worked for 8 years although the payment was less. Year 2010 I started my own business of Selling clothes and designs in the year 2010. This is the year my husband got road accident and broke both his legs, and forehead and he stayed in hospital for long till 2011 and my business had to sustain the family although I had to use even my stock, so later my husband came home from hospital and I had to feed him and the kids till he started to gain his health with crutches. in 2012 I resumed my business again but with a few stock as I still cannot manage to get the full bales of clothing's.

My Business

My Business is located in Kisii County at Dara Mbili Market, Monday and Thursdays. I also prefer to do my business moving office to office in government offices during weekdays when not a market days, and also house to house where my customers are located. The business is profitable and that is why I want to increase my stock so that my customers can have a variety to choose to buy.

In My business I sell ladies and kids clothing's which are quick selling as men's clothing's are not that much marketable since man's don't purchase clothing's all the time as women and kids.

The risks to the business are their when you sell a clothing on credit whether be house to house or office to office, this due when you customer who you sold cloth on credit goes fro transfer or leave and sometimes other run away without paying or others refuse to pay the agreed amount during the credit note sell.

Loan Proposal

The Loan that I will receive will be used to increase my stock that I have, but I am planning to get the fully secondhand bale of kids clothing's which are quick selling and they indeed have a market as the are first goer.

I would like to thank Zidisha community for giving me this opportunity to apply for the loan, and this way our life will improve through the loan as have realized the repayment period gives away for one to arrange for the repayment also encourages the individual to repay in time in order to get the second and continues more higher loan. Once I receive the first I will top-up my stock of Mitumba clothes known as secondhand clothes.

Feedback

3

None

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Loan Info

Project Type

Classic Loan

Disbursed amount

$100.00

Date disbursed

Aug 15, 2013

Repayment status

On Time

Projected term

5 months

Lenders

Eduardo

Zollikofen, Switzerland

Silver

Steiermark, Austria

B

Bobby39

Savannah, United States

Kysera

Crawfordsville, United States

L

Lemon

Switzerland, Switzerland

JimVandegriff

Trinidad, California, United States

pentatonicscale

Niiza-shi, Japan

Namaste250

Pittsford, United States

N

Norin

Germany

Alexandra

Vancouver, Canada

W

wally

Torino, Italy

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  • Vincent    Sep 12, 2015

    Hello lenders and the management, I have discussed in much details with Abigael and she has agreed to resume her loan repayments from next week as was busy arranging her new shop and the business will take off as from Thursday next week. She has apologized for the long delay to repay her loans, but she has promised to resume normally.

    Regards
    Vincent VM Kenya

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  • Vincent    Aug 8, 2015

    Dear Zidisha fraternity,
    I have discussed much details with Abigael Nyachwaya regarding her loan which is in arrears for quite sometime now and she has agreed to resume normal repayments as from September next month as she was working on her new premises for her business which she will reopen next month.

    Thank you for your patience all this long and we wish Abigael all the best in her entrepreneur.

    Regards
    Vincent VM Kenya

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  • Vincent    Jul 2, 2015

    Hi to all lenders, I have discussed with Abigael regarding her Zidisha loan arrears and she has agreed to resume soon to her loan repayments and this due to that her business went down and some other issues and she had to close the business but she will be restoring it back this month and she will get back to her repayments as usual. She has sent her apologies to all her lenders and the management for the delay.

    Regards
    Vincent VM Kenya

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  • Abigael    Apr 11, 2015

    Hello my loved lenders and the entire zidisha community, I am indeed very much sorry for the delay to resume my loan repayments normally and this because I and my husband we were affected financially this time round again due to school fees and other unavoidable circumstances which we are about to deal with by the end of June or July but that will mean that I will not make my repayments, I am adjusting my budget and I promise to resume soon possible

    Regards
    Abigael

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  • Abigael    Apr 2, 2015

    Hello my concerned lenders and the management,
    Kindly this is to let you know that my business dropped and am currently rebuilding it up again this because we had to add up some money for my kids school fees which was due, and that made my business to drop as most of the stock reduced and could not be able to make any profit that was to enable me resume my repayments. Kindly am promising to resume in this month mid since I hope the business will be well.

    Regards
    Abigael

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  • Vincent    Mar 28, 2015

    Hi Lenders and the management,
    Abigael has just confirmed that she is late for repayments due to that she lost money, but she is working hard to resume her loan repayment next month.

    Abigael, has requested her lenders to remain patience as she look out to resume .

    Regards

    Vincent VM Kenya

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  • Sister    Feb 20, 2015

    Hello Mrs.Nyachwaya, I wish you luck with your new loan project and hope that you and your family will have a great year!
    Kind Regards and God Bless you

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    • Vincent    Feb 21, 2015

      Dear Sister,
      Thank you very much for your concern and the support too to raise my loan, Thank you and wish you all the best too.
      Regards
      Abigael

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  • Abigael    Feb 20, 2015

    I would like to very much thankful for all my lenders and the entire Zidisha community for the support you have given me towards my business achievements, although my credit limit dropped last year when was sick, but hoping to increase up this year. Thank you all and wish you all well.

    Abigael

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  • Abigael    Feb 8, 2015

    Dear sir/Madam, I am really sorry that was not able to make my scheduled repayment for my zidisha loan yesterday this is because my daughter was sent home due to school fees and therefore my budget was disrupted and therefore was unable to make repayments.

    Hoping to resume normally next week my my repayments are due again.

    Sincere
    Abigael

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  • lizandsteve    Dec 18, 2014

    Hi Abigael - Thank you for the updates and I am sorry to hear things have been difficult these past few months. Wishing you and your family all of the health and happiness this holiday season.
    liz

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    • Abigael    Jan 25, 2015

      Hi Lizandsteve,
      Thank you very much for your concern and followup, I am well now and hoping 2015 will be a year of prosperity. Family is doing well but a few illness to my son but hope he will be well soon. I have resumed to my business from the recent loan, although my credit decreased which made not to meet my expected gooal but hope this time am going to achieve it.

      Thank you and all other lenders who keep supporting me to this endeavors.
      Warm Regards
      Abigael

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  • Abigael    Dec 18, 2014

    Dear lenders and the management,
    Just wanted to update you that I managed to clear my loan in arrears on 17th Dec 2014 as I had earlier promised and awaiting to be created and once credited I would be again to reapply the new loan and if possible I will be happy to make good profit this Christmas season. Thank you for the long you have supported me although have been down without doing business due to sickness but I am up again and hope I will be able to do more and share
    Thank you all and Merry Christmas

    Abigael

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  • Abigael    Dec 16, 2014

    Dear my lenders.
    I am sorry for all the delays to repay my loan but I working out to clear my loan tomorrow . Thank you and Wish you all Merry Christmas
    Abigael

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  • Vincent    Dec 2, 2014

    Dear Lenders and the managements,
    I have discussed with Abigael Nyachwaya this morning and she has agreed to make repayments within this week latest this Friday despite all that she has been going through in the past couple of months now, I would like to apologize to her lenders on behalf of her since I know exactly what she went through. Kindly it a kind request to you to remain patience till then as promised.

    regards
    Vincent VM Kenyan

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  • Abigael    Nov 12, 2014

    Hello to Zidisha management and lenders fraternity, warm greetings to you all. I am very much sorry for myself and for the lenders for my late repayments of which have skipped severally and this because I had a complications to my last born baby of which took me time to recover and am not yet so far resumed my business but had arranged to but suddenly my husband lost his cousin of which also took us time to arrange for his burial.

    Lastly , I would wish to ask and request all my lenders to remain patient as organize myself to resume repayments again and gradually I will make it. Thank you all for the understanding and hoping to resume soon and not later than end of this month.

    Yours sincerely

    Abigael

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  • Abigael    Oct 1, 2014

    Dear lenders and all zidisha team, I am sorry to remain behind in my loan repayment for the recent months and this because I got complication when was delivering my younger baby and this had indeed costed a lot of money to clear the bills and other charges. Myself have been away from my business due to this reason and therefore I apologize to all the zidisha fraternity, but I promise soon we will settle this as I hope that the situation will normalize soon.

    Thank you all,

    Yours Faithfully,

    Abigael

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  • Abigael    Aug 18, 2014

    Hi to all lenders and the management, I am sorry that I am not able to make my loan repayments as usual due to sickness for both my two sons whom was diagnosed from malaria and the money that was to pay my loan was used to carter for the medical bills and also expenses of medication.
    Kindly due to this uncontrolled circumstances, I request to resume repayments normally after my reschedule. Thank you all

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  • Abigael    Aug 14, 2014

    Greetings to all my Zidisha lenders,
    I am sorry that have taken long to repay back my loan arrears due unavoidable circumstances, kindly I request all of you to be patient till Friday next week, since I will be able to resume into my repayments, thank you hope you will understand my request.

    God's Love

    Abigael

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  • Abigael    Jun 4, 2014

    Dear lenders and all concern I am very much thankful for the time you have given to repay my loan and indeed it helped so much, I have been so sick and my family children as well and took me time to repay in time and now I feel to reschedule and repay my loan kes 8000 and cover up my gaps that have been away. thank you all concern once again.

    Yours faithfully

    Abigael

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  • Abigael    May 1, 2014

    Dear All lenders and Zidisha management team,
    I would like to update you that I was unable to repay my loan yesterday and now I request to be given time till mid of this month and therefore I will be able to repay Kes 4000 this is due to my business is down and my kids school fees for this second term as they will reopen schools this coming week on Monday,thank you for your understanding and also for accepting my request.

    Regards
    Abigael

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  • lizandsteve    Mar 28, 2014

    I hope your family is okay Abigael - please keep us posted on how they are doing. sending well wishes :)

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    • Abigael    Mar 31, 2014

      Thank you Lizandsteve for your concern and hope they will be well soon, yes I will keep you updated. Thank you and God bless you.

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