To purchase chemicals and inputs for my cocoa farm

Michael

Diaso, Ghana

100% repaid

Entrepreneur

Name

Michael

Member since

April 2015

On-time repayments

210 installments  •  21%

About Me

I am a 30 year old man who is very much interested in entrepreneurship. I started my basic education at the Jema L/A (now D/A) Basic school and completed in the year 2001 with aggregate 6 in Basic Education Certificate Examination. Since I lost my father in Primary 4, financing my education was a difficulty for my ailing mother. Through the support of my present family (foster family-God richly bless them), I made it to the Senior High School (Kintampo Secondary School) where i passed in the year 2004.
Overcoming hardships has been a miracle. God sent my present family to help me through. Now Although I have a employment as a health worker, I wish to help others who are passing through the same situation I went through.
My passion for farming has earned me a small cocoa farm that has employed one person.

My Business

I have a small cocoa farm for which I have employed people to cater for it. This is about a half acre plot of cocoa. The yield from the cocoa is not encouraging due to inadequate funds to purchase inputs and chemicals to help boost the yield. This problem was solved with my previous loan. Thanks to my lenders. However, I always hire spraying machine which also affects my ability to pay my worker. For this reason, I am unable to pay my employee well and this is affecting his output on the farm. Ghana is one of the major exporters of cocoa in the sub-saharan Africa. Currently the production is going down due to poor yield. Therefore, if people like us are able to purchase inputs and chemicals to spray our farms, it would boost the production of cocoa in the country and the economy of the country would also be improved.
The proceeds from the sales of my cocoa would be used to pay the school fees of my nephews and also to purchase food for my mother. I would also use some to purchase more inputs for the next seasons activities. But this loan is needed to purchase Cocoa spraying machine

Loan Proposal

This loan would be used to purchase purchase chemicals like Confidor, cocoa fertilizers and protective gear for my employee. This will help boost my yield from about two and half bags per season to about 5 bags. This will help me pay my employee and also be able to pay for my nephews school fees.

Feedback

None

None

None

Loan Info

Project Type

Classic Loan

Disbursed amount

$175.00

Date disbursed

Jul 13, 2015

Repayment status

On Time

Projected term

3 months

Lenders

A

andyfletcher

I want my "My loans" page back, Qatar

Zidisha

Sterling, United States

indeh

London, United Kingdom

L

loistf

Madrid, Spain

M

mrsdshomestead

ash fork, United States

H

hchsmicroloans

New York, United States

L

landhalsema

Driebergen, Netherlands

V

vshafor

Carlsbad, United States

J

jerryq

Redding, United States

T

Tui1974

nuenen, Netherlands

HMS_5th_Grade

Honolulu, United States

Vla911

Milan, Italy

J

Jyoti

Herndon, United States

C

chrono

Toronto, Canada

chadgibbs

Loveliest Village, United States

F

FredBetty

San Antonio, United States

A

asmilligan17

Perryville, United States

davidt

San Francisco, United States

G

Gwencalon

Garching b. Muenchen, Germany

GH

Gav H

Langley, Canada

Shamrock

Wicklow, Ireland

VintageCalifornia

San Diego, United States

P

pastabox

New York, United States

I

ianb723

ROCHESTER, United States

ericacamille

Brooklyn, United States

G

gregc

Calgary, Canada

Y

Yecats

New York, United States

A

arwaandali

Ottawa, Canada

A

AFGriffith

Woodinville, United States

D

ddandipu

Calgary, Canada

C

CarolD

Hendersonville, United States

A

amish

San Francisco, United States

K

kilanta

Jyväskylä, Finland

F

Fintons

Grand Rapids, United States

Peter Marozzi

Kaohsiung, Taiwan

O

olliepalmer

London, United Kingdom

W

WenShiDi

mobile, China

C

caldw142

Whanganui, New Zealand

sbyun

Toronto, Canada

F

Fritzimax

Pacific City, United States

B

b_plok

Granada, Spain

C

Christos

Leeds, United Kingdom

A

AskTheFather

Honey Grove, United States

A

anonalender

Hampshire, United Kingdom

G

gradient

KFAR SABA, Israel

R

RickRozemuller

Groningen, Netherlands

I

idakaren

bonlez, Belgium

P

Pavane

Kungsbacka, Sweden

C

cjvjsv

El Paso, TX, United States

whiteboyinasia

Batu Ferringhi, Penang, Malaysia

D

doublehelix

Philadelphia, United States

A

alettore

Schleinikon, Switzerland

D

Draka

South park, United States

N

nglogic

Warszawa, Poland

90803

Long Beach, United States

somuchjackson

Boston, United States

E

edgrr000

Dallas, United States

C

Catch22

The Colony, United States

G

Gdrvasc

Frederick, United States

H

happytrailsjpd

South Bend, United States

M

markus61

cologne, Germany

M

mibrahim51

Mountain View, United States

K

ksiebrandt

Omaha, United States

A

Armeij

Veendam, Netherlands

D

dmartink

Maryland, United States

G

GreenMoney

Lahr, Germany

T

Texikan

Fort Worth, United States

A

AandCfromCanada

Spruce Grove, Canada

D

dj9812

United States

L

liseman

United States

S

Smadori0

United States

M

Molloy

Moorpark, United States

J

jay12

Germany

J

jdallatezza

United States

Grant Xavier Storer

Seattle, Wa, United States

Roy

Espoo, Finland

Jeremy

Washington State, United States, United States

Ask Michael 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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  • Michael    Oct 13, 2016

    Times are really hard for me

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  • Michael    Apr 13, 2016

    I have serious financial problem as at the moment. I was attacked by armed robbers and also my cocoa yield has had a bad weather effect

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  • Roy    Mar 19, 2016

    Michael, How are you?

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  • Michael    Feb 20, 2016

    The dry season is so high here and it has affected my yield

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  • Wendy Emlyn    Feb 19, 2016

    Can you get in touch with Zidisha to reduce your payments to a more manageable level? That is better than letting yourself get behind with your payments, which can make it harder to get a future loan.
    God bless you,
    Wendy

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  • Roy    Jan 17, 2016

    Michael, How are you?

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  • Michael    Jan 7, 2016

    Harvest has been very bad and it is affecting my income. My late payment is also due to poor network issues in my area recently. I promise to do justice to my loan.

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  • Michael    Dec 1, 2015

    I want to say a very thank you for the loan. An amount of GHS1137 has been received and it will be used for purchasing a spraying machine. Thank you all very much.

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  • Michael    Nov 29, 2015

    Thank you lenders for this opportunity. This loan will be used to buy a Cocoa spraying machine which will help curtail the cost of hiring a machine for spraying my cocoa farm. Once again I want to thank you all for the help

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  • Michael    Nov 26, 2015

    All of you should help me thank God. I just had my first born delivered. It was a baby girl. More joy, more responsibilities . Praise God

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  • Michael    Nov 19, 2015

    Please, the success of my business depends on this loan. I am therefore pleading with you lenders to come to my aid.

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  • Michael    Nov 15, 2015

    I am very grateful to you lenders. My previous loan has helped me in settling the school fees of the children I am helping in school. Moreover, I have been able to upgrade my phone repair shop to include printing and photocopy works

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  • Roy    Oct 22, 2015

    How are you Michael?

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    • Michael    Oct 22, 2015

      I am doing good.

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      • Roy    Oct 22, 2015

        But you have forgotten your last payment..I thought something may be wrong.... Never the less, I am pleased you are well.
        Best Wishes,

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        • Michael    Nov 7, 2015

          Yes. I had payed previous ones and had not received any feedback. There was a kind of system challenges with the mode of payment so I thought you were not receiving my payments. I just had the feedback and I am paying the final one right away. Sorry for the inconveniences

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  • Michael    Oct 13, 2015

    I want to hold the loan for the three months stipulated. Moreover, sales are not as good as I wished

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  • Michael    Oct 3, 2015

    My harvest has not yet been dried and sold,

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  • Michael    Sep 9, 2015

    The rains have been very bad in my area and it is affecting the progress of my cocoa farm. Monies from other sources have been channeled to the farm and it is draining me a little

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  • Michael    Aug 19, 2015

    I I have purchased the chemicals for the cocoa spraying as indicated in my application. Harvesting is not yet due and so funds from my other businesses are being used to settle this loan. The amount I am paying currently is having a toll on my other business. I will therefore wish to reduce the amount so I can survive the period of the repayment until my cocoa is harvested.

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  • Michael    Jul 13, 2015

    I am very grateful to you lenders for your support. I have received the loan amounting to GHc 753.00. I will purchase chemicals and farm inputs for working on my cocoa farm. I believe this would help me harvest more cocoa this season. Thank you very much for your support. God bless you lenders and the entire Zidisha team for your support

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  • Michael    Jul 12, 2015

    I am very grateful to you lenders for funding my loan in time. This is very important for me at this moment because I need this for my farm. I am going to buy chemicals and other inputs to spray my cocoa. God bless all of you lenders for the help you are affording young entrepreneurs like us

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  • Michael    Jul 11, 2015

    Please lenders I am depending on you this farming season. Please refer to my repayment record of my first loan and help me out.

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