To facelift my commuter van & boost income

Michael Nduta

Nairobi, Kenya

100% repaid



Michael Nduta

Member since

March 2019

On-time repayments

178 installments  •  79%

About Me

My names are Michael Gichia aged 47yrs.I, m the second born in a family of 4 siblings. We were brought up by a single mother who struggled so much with us to help us get basic needs.

During those hard times life was so hard because I remember I stated doing manual jobs at an age of 10 where we were hired to pick coffee as well as work in other people's lands.

I was brought up in Kiambu county where by I attended 8yrs in primary school,4 years in secondary and later did my higher education and graduated with degree in catering and hotel management and worked at Hilton international in Nairobi for 3 years as a supervisor but was working as a casual worker.

After seeing that all was not well and there were so sign's of being employed, I sifted focus and did Environmental science and community development.

I got married in the year 2000 and we have been blessed with 2 biological children, a boy aged 12yrs and in class seven now and a girl aged 3yrs and in pre primary 1.I also support 4 orphans who have been under my care for the last 9 yrs.

All through out, I was saving because deep in me, I wanted to venture in transport industry where I would employ many youths. Thanks to the Lord because He made my dreams true.

The income generated from the commuter business helps me pay all my bills, as well as support my children and the 4 orphans through basic needs and educational needs.

When I’m not working, I like listening to music, watching documentaries and watching different games especially foot ball.

My Business

I entered in transport industry 6 years ago where by I bought a 14 seater commuter van through hassles and hard work. I used to do odd jobs but had one idea in mind save the little i had to see to it that I overcome the poverty that was within our house hold.
Commuter business also known as Matatu business has good returns here in Kenya especially if one is able to follow all the regulations laid down government.

After seeing how tricky being employed in Kenya was,
I decided to seek for support from a friend who loaned me kshs 150,000 and I had 350,000 and this is what I used to buy my first commuter van that costed Kshs 400,000.I used Kshs 50,000 to repair the van and the remaining Kshs 50,000 to meet all the regulations of the government.

This van operates from 5 am in the morning to 9 pm in the evening seven days a week when it doesn't have mechanical hitches.

On daily basis, I earn an income of Kshs 3000 equivalent to 30 USD.I have one thing in mind, of acquiring many commuter vans so that I can boosted my daily revenues but this has been hindered by lack of additional capital to buy those vans but with time, God will see my dreams come true so that I may employ many out if school youths who have gone through driving courses but lack employment.

The goals of my business is to Grow and help others Grow..

Loan Proposal

I would like to thank all the Zidisha team as well as all those who have funded my past loans and enhanced the growth of my business. You have helped me grow and May God bless you all.
I m requesting a loan of Kshs 49,600.This money will be used to procure 2 tyres at a cost of Ksh 12, 000, 20, 000 will be used to buy and install speed governor,15,000 will be used to buy paint, thinner, hardener, clear and body filler that will be used for repainting the van before going for inspection in the course of next month in order for it to be given an inspection certificate and be allowed to operate for another year .The remaining kshs 2.600 will be used to buy a thermo gun for checking commuters temperatures before boarding the van.

I m kindly requesting you to consider my loan application and help me boost my business and help me overcome the sock of COVID-19.

Thanks in advance and may God bless you all.

Income Source

Here in Kenya and almost every where in the world, people needs to travel in a smart and comfortable commuter vehicles. Once I’m able to do the face lift of the Van, this will help to attract many people who will be traveling on the route the van is operating and the more trips it makes per day the more money I will be able to earn on daily basis and be able to pay the loan with more ease.





Loan Info

Project Type

Classic Loan

Disbursed amount


Date disbursed

Jan 28, 2021

Repayment status

On Time

Projected term

3 months




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Amount repaid


Amount remaining


Date repaid

Apr 26, 2021


Fully repaid

Repayment History

Expected Payments Actual Payments
Feb 6, 2021 $9.99 Feb 6, 2021 $9.99
Feb 13, 2021 $9.99 Feb 13, 2021 $9.99
Feb 20, 2021 $9.99 Feb 19, 2021 $9.99
Feb 27, 2021 $9.99 Feb 25, 2021 $9.99
Mar 6, 2021 $9.99 Feb 25, 2021 $9.99
Mar 13, 2021 $44.02 Feb 25, 2021 $2.16
Mar 11, 2021 $41.86
Mar 20, 2021 $44.02 Mar 11, 2021 $2.44
Mar 18, 2021 $41.59
Mar 27, 2021 $44.02 Mar 18, 2021 $2.71
Mar 29, 2021 $41.31
Apr 3, 2021 $44.02 Mar 29, 2021 $20.71
Apr 3, 2021 $23.32
Apr 10, 2021 $44.02 Apr 3, 2021 $3.26
Apr 10, 2021 $40.76
Apr 17, 2021 $44.02 Apr 10, 2021 $0.88
Apr 17, 2021 $43.15
Apr 24, 2021 $44.02 Apr 17, 2021 $44.02
May 1, 2021 $44.02 Apr 17, 2021 $44.02
May 8, 2021 $38.04 Apr 17, 2021 $1.70
Apr 26, 2021 $36.33