James    Dec 4, 2018

I look forward to have another loan lenders. please help me.

James    Dec 4, 2018

I'm quite happy I finished repaying the loan. I need another one. Zidisha has and will always help me.

James    May 5, 2015

I quite grateful for the funds I received even though I have delayed to post a feedback to you. The funds (4,146) arrived at a critical point in the time when the business and the market are absolutely experiencing the bull whip market forces. The funds will be simply be used to buy the stock which inflates and also to buy the substitutes that will be important in cushioning the uptrends.
Other than that, I will also use the funds to renovate the kiosk where the grocery is.
I must give credit to you lenders. You truly had a mission to bring ‘light’ to us. What else other than thanks and god bless?

James    Apr 30, 2015

I’m quite grateful for the loan for my business expansion. The loan will be mainly to expand my business and to surface my ‘diversification’ idea. This wouldn’t benefit me only but my forecast is to recruit one individual to help me the now established business concurrently. I’ll keep on paying the loan and updating the statuses to ensure that you (the lenders) realize the value of your investment.
Thanks and God bless!!

James    Apr 16, 2015

life is a journey, bulding an empire prooves challenging but for me moving out of the challenges.im oncourse in getting out of the 'aggressive' stage

James    Mar 11, 2015

The year seems to have a different twist in business. My business is taking shape despite the challenges i had faced in the last half of the year. More customer loyalty is picking pace. This is a year of good hope in my business. Fortunate enough, my plan to diversify and revive the grocery is worth picking. I must be proud to let my lenders know that my sister is self employed through these ZIDISHA loans despite setback we had last year.
As I post this message now, the business is able to run on itself. The funds I’d saved have enabled me inject back and it both business are running on their own ploughed back profits.
Before I seek more funds to expand and hold on the business, I must apologize to my lenders for this late payment of my past loan.
i had talked to my mentor and explained to him the challenges I had faced but i tried my best to reduce the gap to a more manageable one.
As the business continues to grow, I’ll seek to settle those funds so as not to frustrate my lenders.
I’m committed to expand under a challenging ground but at last I believe I can! Thanks to all participants who made me as I am today.

James    Jan 18, 2015

I'm glad to contact my precious lenders back. I'd taken a brief "holiday " where I was forced to close it for a while. I closed it not because of poor finance management but the circumstances that had engrossed my life[from my larger family that made me use the proceeds I'd planned to invest further in trying to save that situation ]. I'm proud that the assets are intact, the room and I've also paid for renewal of operating permit.I'll ensure I'll finish my payments to ensure my commitment on you.thanks and God be with you!!

Victor    Dec 31, 2014

Hi lenders and Happy new year,
I spoke to James Onchiri and he confirmed to me that after I called him earlier today, he paid ksh 1000 immediately.
He is now remaining with lesser amount of which he plans to settle.
He also sent me his details and I am also going to assist him reschedule his loan because he is in remote area where there is no internet services.
All the best lenders.
Regards V.M
Victor Odera

Victor    Nov 22, 2014

Hi lenders,
I have spoken to James Onchiri who told me that he`s doing well health wise.
He declined commenting on when he is planning to pay his next installment. Since he had rescheduled earlier and hasn`t paid any amount since then, he therefore cannot reschedule.
I have advised him to pay whatever amount he can afford to pay so that he be allowed to reschedule.
Let`s hope he will open up his eyes and see beyond limitations that zidisha can actually change his lives permanently if only he communicate out honestly.
Regards
V.M
Victor Odera
Rega

Victor    Sep 30, 2014

Hi to Lenders,I have talked to James Onchiri and he has promised to submit some payment by tomorrow Wednesday,then reschedule his repayment account.
He is down financially but confirmed to do all necessary to fulfill agreement.
V.M

James    Sep 13, 2014

calvero some family issues came in business and the business toppled,i'm quite ashamed even to meet my volunteer. a month can be quite well and i think that at that time i'll compose myself well to clear the balance and move forwad.

calvero    Sep 12, 2014

Hi James, I can see you haven't made a payment since july of this year. The previous note from your mentor Victor said that you would make a payment in august, but this has not happened. Could you please give us an update on your business and when we can expect you to resume your payments?

Victor    Aug 12, 2014

Hi lenders,
I have talked to James Onchiri and he was wasting his time looking for where to reschedule the loan not knowing,once loan has been rescheduled,it must be paid for before next reschedule.
He therefore confirmed to make payment by the end of the week.
Thanks

James    Aug 12, 2014

Hi to zidisha,
I`m sorry that I have not been able to repay my weekly installments as required.
I have spoken to my Volunteer Mentor Victor Odera and I promised to do some payments by the end of this week.
Thanks

Victor    Jul 30, 2014

Hi to zidisha lenders,
I called James Onchiri and he regretted having promised to service his payment installment sometimes back but failed.I adviced him to reschedule the loan immediately and he confirmed to do that today.
Let's wait and see him act as required.
V.M Victor Odera

Victor    Jul 28, 2014

Hi James,why have you acted upon the promise of servicing or rescheduling your payment? Why haven`t you come or tell me where to find you for assistance? Kindly respond to this message urgently.

• James    Jul 30, 2014

  as earlier on i had communicated to yuo via phone, i went to my rural home for some unavoidable reasons. evn me i had planned to be back earlier but some unexpected events occurred.understand also that my rural home you must travel a litttle longer distance to acces the internet and thats why i had to absolutely delay in giving you a feedbak. sooner i'll be in Nakuru and i'll even request you to pay me a visit.thanks .

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Victor    Jul 19, 2014

Hi James,you are advised to reschedule the loan to amount you can repay comfortably.If you need any assistance in rescheduling,kindly contact me for assistance.

Victor    Jul 16, 2014

Hi James ,zidisha org is humbly requesting you to repay your loan promptly so that your consistency look neat.For any inquiry or difficulty in complying ,kindly always contact me.I believe by calling you and the promise you have given me will bear fruits.Feel welcome.Your mentor Victor.

James    Jul 7, 2014

some of the unavoidable circumstances which are beyond my control are the ones that sometimes push me to allow the non conformance and this is what has done much impact on my repayment.with the return of ohter fixed saving sthat will be available on the coming days,i'll come out strong ly to do what i can to not delay the funds thta have allowed me to progress this much.

James    Jun 21, 2014

the pressure to meet the long outstanding compliances and out streched needs push the funds to the wall sometimes.im glad though to have the busines run fluently this time albeit some ups and downs that push me,i can also say proudly that the there si some lihgt at the tunnel end.this at this coming week will be brought undr contro.the regulations are hash pending i need to relocate to pave way for the house renovations thta are due to take place on the coming month.