M-pesa mobile phone payment center

Joscah

Mbotela, Kenya

12% repaid

Entrepreneur

Name

Joscah

Member since

November 2017

On-time repayments

158 installments  •  80%

About Me

About Me
My name is Joscah Nyarangi Nyaata 33years old, a Mother of two kids.
I grew up in Kisii town in Nyamira County of Kenya, which is a community land for the Kisii community of Kenya.
I did my KCPE at Eronge Primary School in the year 2001, then attended St. Danes Eronge Secondary School in the year 2005 but could not manage to make it to campus, as I didn't meet the cut-out points for it and my parent who was subsistence farmer, could not afford to pay for me to join a Private Campus.
I later moved to the capital city of Kenya Nairobi in the year 2006 to such for a casual job since I was not educated enough to get a skilled job. Later on I managed to get casual job at Tesco Co-operation Company in the year 2007 where I worked for one year and eventually the contract of my job was terminated.
Since then I was forced to move back to such for another job. In the process of job search I was married to a young man who was also a job seeker in the year 2007 .In the year 2008 we were blessed with a baby boy where life took a different direction.
With my young son I was forced to start a small business together with my husband . We were selling Onions, Potatoes, and kales on the road side. We saved money and luckily we managed to open up a shop where life became a bit fair.
In the process of struggling to make ends meet, I was also blessed with a baby girl in the year 2014. This is the year I discovered that I needed a lot of income for my new born baby and my son who wants to become an Information officer and my girl who wants to a be nurse.
I decided to change my business to be a an Mpesa and a photocopy shop rather than a shop. And now i have even included agencies whereby i learn kcb, cooperative and equity agencies.

My Business

My Business
In 2014 January, I picked up the idea to start an M-pesa and photocopy. I have chosen M-pesa because is the fastest growing business in our country Kenya. This is the business which helps young youth to manuvaour in life. Since people have to sent money from one place to another without travelling to exact place. I plan to venture into big Mpesa since as per now I learn short of capital to make the business what it is, which has made me to request a favour of Zidisha plus loan to improve the income of my business.
The small money that earn use them in schooling my son and my daughter who are at school. My son is 11 years and my daughter is 5 years old. My 11 year old son would love to be Doctor when he grows up, and a bit of Home sustenance plus will use these to help repay my loan. Kindly consider.

Loan Proposal

I could like to add more float to my mpesa in order to earn more commission at the end of every month.
There is this business i started three months ago, i could like to add more stock to it since i have very little capital on it.
Please i need urgent contribution since my business is very low in terms of income after i have cleared paying the loan.
God bless whoever is going to chip in. Amen

Income Source

I do wake up very ealry in the morning to open my business and look for my customers. This has helped me much to repay the loan since i earn more profit at the end of the day.
I have a mixture of business already..i do sell shoes and at the same time fo agency banking.
I will try my level best to repay the loan. Let God be with me in Jesus name. Amen

Feedback

6

None

None



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Loan Info

Project Type

Classic Loan

Disbursed amount

$2,205.00

Date disbursed

Nov 20, 2020

Repayment status

Late

Projected term

8 months

Lenders

A

akshu71

Ottawa, Canada

Grant Xavier Storer

Seattle, Wa, United States

alecors

Mexico, Mexico

MW

Matt Willis

United States

MR

Michiel Rauws

San Francisco, Netherlands

GC

Greger Cronquist

Göteborg, Sweden

Ren

Minneapolis/StPaul, United States

CN

Craig Newmark

United States

Joshi

United States

JV

Javier Vicente

Sarriguren, Spain

AG

Augusto Gesualdi

Berlin, Germany

C

Chris

United Arab Emirates

Sayuri

United Kingdom

E

emily

Australia

AB

Andrew Bake

United States

DK

Daniel Kalla

Saint Paul, United States

C

Chris

United Kingdom

L

Leigh

Australia

E

Ed

Colombia

R

Richard

United Kingdom

Ask Joscah a question about this project, share news and photos of your own, or send a simple note of thanks or inspiration.

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  • Joscah    Mar 23, 2021

    My income is very low. Am struggling hard to put food on the table for my kids.
    Please zidisha bear with me this burden. Am sorry it was not my fault. Kindly allow me to pay what I have please. Thanks you so much in advance

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  • Joscah    Feb 9, 2021

    Am earning very low income. But what I get I will divide some to pay loan and some to cater for basic needs of my two children. It is not my wish to be in the situation where I am now. Please bear with me the burden am going through now.Tnank you so much zidisha family and God bless you alot for your patience.

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  • Elisha    Jan 31, 2021

    she is willing to repay small as per her income and capacity, so she is requesting to be understood for her small contribution.

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  • Joscah    Jan 23, 2021

    Whatever am trying to send even if it is small please accept it my good lenders of zidisha. Am trying to put food on the table for my kids at the same time pay my loan.
    I was left alone by my husband to take care of the kids without anything or any income. He took the business away from me to another woman.
    That is why my contribution changed aburabtly. I had no choice. But am sure with God I will pay the loan to the fullest. Pray for me. Am struggling to pay rent and school fees also.

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  • Joscah    Jan 10, 2021

    Am going through hardship my good people of zidisha. Please allow me to pay what I have.
    Remember what I hustle for the day I divide it into two to pay the loan and some to feed my kids and pay rent.
    Kindly it is not my fault, bear with me the burden. I didn't even had money to browse and log in to the group because I had no income. Now am engaged in a small business which at least generate some income.
    Pray for me!

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  • Joscah    Jan 10, 2021

    My kids and I at the village.

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  • Joscah    Jan 7, 2021

    Separation challenge. I was left with the kids with no money. Am struggling to put food on the table. But all will be ok soon.
    Please bear with me the challenge the zidisha family.

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  • Erick    Dec 22, 2020

    Joscah said she's facing a few financial challenges but promised to work on paying the loan as soon as possible.

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  • Joshi    Nov 20, 2020

    Joscah, very glad to see your loan is fully funded now - must have been a HUGE relief for you!! I have been reading your pleas all this time but just could not do anything about it. Looks like some lenders have jumped in to help you out. All the best in your project.

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    • Joscah    Dec 6, 2020

      Thanks Mr. Joshi! Am back in business. I was away for a while doing rural business a bit. Now am in town. Immediately i have paid my first instalment which was out of date. God bless you alot!

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  • Joscah    Nov 20, 2020

    I recieved Kshs 140,313 in my Mpesa account. I have started to stock some items that were missing and also add stock. My best friends, thanks alot for the loan. May God bless you and your family alot. Thanks one more.

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  • Joscah    Nov 20, 2020

    Don't know what to say but am very much grateful and i thank each and everyone who contributed to my loan. Am very much humbled. God is able! Am very happy and surprised also. Didn't expect this soon! Thanks a million my good lenders.

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  • Joshi    Nov 7, 2020

    Joscah,
    as promised yesterday, here is my contribution to your latest loan! Hope this loan too gets fully funded soon. This is my sixth loan contribution to you :-) Wish you all the best.

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    • Joscah    Nov 7, 2020

      Oh my God! Am humbled Mr.Joshi. Thanks alot and may God bless you abundantly!

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    • (Comment deleted by author)

      • Joshi    Nov 17, 2020

        Joscah, wish I could help you further. In fact, I sent message to Support team to ensure everything is fine when I saw that there were not any other contributions couple days after mine.

        The remaining amount is way beyond my ability :-(. You still have 12 days to go on the application.

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  • Joscah    Nov 6, 2020

    It was not easy task but all was well. Zidisha has helped me to know how to save and minimize my expenditure. Kindly assist me to contribute to my loan.

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    • Joshi    Nov 6, 2020

      Glad to hear that you have managed to pay off this loan completely. Especially considering the current challenging circumstances. I will keep an eye for your next loan application and contribute to it.

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  • Joscah    Jul 9, 2020

    My best friends of Zidisha I sincerely thank you a million times for accepting to give me a hand to my business. For really through your support my life has already taken a new life, now am going to invest to my agencies business and at least buy my family some basic needs that I lack. Am very much happy for you good people of Zidisha!
    Once again thank you very much and God bless you and your families too!

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  • Margaret    Jul 7, 2020

    Good luck Joscah with your new loan. You are a great entrepreneur to see the opportunity of the MPESA business and to get involved while it is still growing quickly.

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  • Joscah    Jul 7, 2020

    Hello everyone, for really it is not easy to pay loan, it needs alot of commitment and I thanks my faithful God who has helped me much to repay the loan.
    Through Zidisha I have come to know the meaning of saving at least a little amount per day.
    Thank you the zidisha team for coming up with the idea of helping people especially the business one. God bless each and everyone one of you.

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  • Joscah    Mar 12, 2020

    I received 85761KES in my mpesa. I will open a new branch God willing next month. Thanks a million my good lenders for enabling me to get a loan.
    God bless you and your families abundantly.

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  • Joscah    Mar 11, 2020

    Hello my good lenders, am planning to open up a new branch of my work next month. I will straight away invest the received amount to the business hence make a move in life.
    Am very much happy for you my good lenders including those who have made it to have my loan.
    Please appreciate my humbleness of a very big thank you! Am proud of you zidisha.
    May the Lord of Shadrack, meshack and Abednego bless you all abundantly!

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  • Joscah    Mar 9, 2020

    I want to take this opportunity to thank each and everyone of you my good lenders who have extended their hand to contribute towards my loan.
    Am very much humbled for you all. Receive much blessings from God wherever you are.
    Thanks alot!

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  • Joscah    Mar 7, 2020

    Hello my good lenders...for saying the reality of life it has not an easy task to complete this loan. But with the Lord is greatness and your encouragement you good lenders have finished clearing this loan! Unbelievable!
    I have a great hope that when I will be applying for another loan..you will give me a hand please.
    God loves and cares each and everyone of you wherever you are.

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