Sammy Kanja

About Zidisha Profiles Zidisha entrepreneurs write their own loan profiles and provide their own photos. English is not usually their first language, and many had to overcome great obstacles to obtain an education. Additionally, many do not have cameras and own only a small number of personal photos. As a result, the profiles are not always as polished as on other websites. To keep profiles genuine, Zidisha staff do not make any edits, with the exception of titles for clarity and English translations.

My Story

MY names are Sammy Kanja Nganga born in kandutura village Rongai division Rongai districtin 1976. I am married to one legal wife according to the traditional Agikuyu customs. I was born in 1976, married to one legal wife and blessed with two kids, a boy and a girl.The girl is the apple of my heart. I started schooling in 1982, in a remote primary school called Kandutura . After I dropped out of school because of lack of fees , I started a business to earn a living and support my family.

About My Business

I provide some services using a donkey pulling cart, my cart is pulled by three donkeys . I offer transportation to people and goods from the farm to the market and from the market to the farms. Most people prefer the services I provide, as a pulling cart can be used in different conditions of roads where vehicles cannot pass.The business is profitable as it only requires one to feed the animal well most oftenly. Risks include tire punchers, and death of donkeys due to pest and diseases attacks and changes in weather. In a month I usually use approximately of four thousand Kenya shilling to maintain a pooling cart and the donkey. I normally deworm the donkeys regularly and to buy some feeds additives to supplement their daily feeds. After providing the services and maintaining the pooling cart I normally get a profit of sh.10,000 that is the total earning 14,000 sh (minus4,000 expenses) in order to get the above profit.
I’m normally situated in a place called Waka centre where most farmers and business men and women who come for the service .On average I charge about kenya shillings 500 on any customer who hire my cart to transport his goods to his place of destination .At times I charge about 1000 shillings if the goods have to be taken for a distance that is greater than 8 kilometres .If given a loan, I can buy new tubes and tyres for the wheels and buy much more feeds to keep my animals strong and healthy.

My Loan Proposal

I would like to buy 2 new donkey carts for sh 60000, 4 new tyres for sh5000 each totaling 20000.I desire as well to buy 4 donkeys each at sh 5000. I would like to dispose the old cart as soon as the bidding is over.I also desire to sell the donkeys and buy younger ones that are generally stronger and energetic.I aspire to get a kill with every thing being new as this is the peak of the harvesting season.I have managed to save sh 15000 THIS FAR DUE TO YOU LENDERS. THANKS.

Feedback

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Date By Feedback Rating Comment Edit
Apr 18, 2013 LaurenR Positive Great borrower-kept us in the loop and repaid in full!
Nov 18, 2012 mikedufty Positive Paid early.
Sep 26, 2012 marycb Positive Well done, repaying your loan early and growing your business.
Sep 24, 2012 Bena Positive Sammy is definitely a good investment because he paid back the loan so quickly. I'm more than willling to re-invest in Sammy's ventures if he ever needs to borrow again.
Sep 20, 2012 Spock Positive Paid back in full and ahead of schedule. Thank you and good luck!
Sep 13, 2012 melliecarma Positive to be honest i invested in your loan because of your laughing face and, above all, i found your donkeys so cute. =;-) sadly, no donkeys any more around here in germany... =8-( mr. kanja repaid the full loan amount in 2012 although the set date would have been in 2013. well done, sammy! so business must have been good, congratulations! ah, by the way, give your donkeys an extra pat from me, will you? in fact they are your most valuable co-workers, they deserve it!


Comments

 

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Crissr   Mar 27, 2014

Mr. Kanja,

Could you please check up on Ms. Grace Ndungu? She has you listed as her VM.

I have tried contacting her, but she did not respond. I am concerned because we have no news and she is now over 2 months past due ($83).

Thanks,
Cris

Sammy Kanja   Apr 02, 2014

Dear Crissr,
Sorry for not responding your request on time,due to i have been trying to contact her without vail.I will not stop to do so till i meet her.Hope you will agree with the information for now.

Sammy Kanja   Mar 25, 2014

This profile has been not activated for long,i am going to complete in next few days

Sammy Kanja   Mar 25, 2014

Dear lenders,this has been stress not only to you but to me,i found her at her home three day ago.I was very happy to see her new baby.Since i meet her i didn't thought she had to brought new life in this world soon.Any way she is expecting to resume her daily activity soon,maybe she would like to make her repayment on 06/04/2014

Sammy Kanja   Mar 24, 2014

Hi Lenders,My names are sammy kanja VM Rongai Nakunu.Mr. Nderitu is one of our borrower whom i am serve and i have been trying to call for several time without vail.I manage to pay a visit to his home,on my way to his home,i met his wife and directed to where he was working.Infact Mr. Nderitu was shocked to see my face but he was nothing to say,he welcome me and we had to negotiate the business concerning repayment to his loan.I notice Mr. Nderitu had a contruct where he has not paid since Dec last year and he has been trying his best without success .I left with one solution,he is going to make his repayment on 18/04/2014.

qt9998   Mar 21, 2014

Hello Mr. Kanja,

How is your good friend Mr.Njuguna doing?
He has not made any payment since
October.

Sammy Kanja   Mar 24, 2014

Hi Crissr,i hope you are okay with your family.Mr Njuguna is undergoing to clinic till November this year.He is not working any more at the moment,but hopping to resume to his job at the time he feels better.Thank for that .

Crissr   Mar 19, 2014

Mr. Kanja,

How are you doing? I see you are Lilian Maina's VM. She had a medical problem at the end of last year and has not been in contact for a while now. Would you be able to contact her and find out if everything is OK?

Thanks,
Cris

Hello Sammy,

Have you heard from CHRISTOPHER NDERITU KARANJA? He has not written an update for a very long time.

Sammy Kanja   Mar 17, 2014

Hallow granite,
Nice to here from you,i have been trying to communicate without vail This week,i will manage to visit him,and let youknow.

Sammy Kanja   Feb 11, 2014

Hi Marvin,
I did not manage to go through my message,this is because the power went off while trying to correct the mistake.Now i have gone through.

Sammy Kanja   Feb 08, 2014

Dear Lenders.
Sorry for not responding the update since Dec.I was out of my native land,where i was taken by our Local church to attend 40days seminar, and there were no net work responding at the place i was in.First is to thank you all for supportive you game it to me.My business is doing very well to this time,i have manage to have been with at list amount in my pocket at the end of the month compared the month of Nov and Dec.This referred me in the scripture where son demanded his wage from his Father and spend while enjoying with his friend.Later he came back to his father while empty hand,when his father so him,he forget whatever he did and well come him ones again.Likewise our forefather who is at heaven do to use when we did wrong.After we notice what we have done,he always forget and well come us in.

Hi, I am delighted to hear that your business is doing well. My very best wishes to you and your family, Gill

Ahhh - now I understand. Thanks, Sammy.
marvin

Hi Mr Kanja,
I am happy to hear from you again, and also that your business is doing well and generating income. It is a good feeling to have something in your pocket, yes?
I do not understand the connection to the scripture parable.Is that where the son demanded an inheritance to which he was not entitled?
Somehow I doubt that you are wasting money on high living!

My best to you. marvin

Hi Sammy
Great to hear about the success of your new cow. Keep up your tremendous efforts.

Keen to hear how Zacharia Rukwaro is progressing with his loan and his planned purchase and sale of animal vaccinations?

Best regards
Chris

Hi Mr Kanja,
Thank you for first payment of your new loan.
Many of your Zidisha lenders hope that you and your family are well.
If you have a little time we would love to hear from you again.
Good luck. marvin

Dear lenders,

We received some inquiries about how Mr. Kanja is faring since his new loan was disbursed, and thought we'd share an update here.

Our staff member Gayatri Mehta spoke with Mr. Kanja on the phone the other day, and let me know that he is doing well. The loan was sufficient to cover all the costs of purchasing a new high-yield milk cow. The cow is producing about 20 liters of milk per day, and we understand that Mr. Kanja sells about 18 liters daily, keeping the rest for his family.

Thanks so much to all of you for your generosity and support.

Best regards,

Julia Kurnia
Director, Zidisha

Sammy Kanja   Dec 13, 2013

Dear Lenders,
This is God to have been now going to re-buy one cow in the next three days.Let me take this opportunity to thank every one whom spend his or her time to fund this loan,this is done not only by individual but by the grace of God.
I was asked by my family whom i will upload there photo in the next 7 day to express there greetings.God bless you together with your family.

For people who may have missed his story about helping others who were victims of the Westgate Mall terrorist attack see the blog post:

http://p2p-microlending-blog.zidisha.org/2013/10/11/the-stuff-heroes-are-made-of/

He is certainly a man of good character, who I believe is raising his fourth loan, and I would highly recommend. I hope his loan is funded quickly.

Thanks Sverre,
Those of us who know of Mr Kanja's selfless generosity will support his funding request. I urge other Zidisha lenders to do the same. There is no one more deserving of our support. marvin

Good luck with this 4th loan, Mr Kanja. And thank you for all the great work that you do as one of Zidisha's Volunteer Mentors.

Sammy Kanja   Dec 06, 2013

Hi Lenders,
Today is a sad day for not only Nelson Mandela’s family, but his beloved country South Africa, and the rest of the world. Today we lost an icon who has inspired so many to reach their full potential.
Having spent some time in Soweto where Mandela spent many years struggling against apartheid,

Hello Sammy,
I share your sentiments regarding Mr Mandela. He was a true revolutionary symbol who changed the course of his nation and influenced the thinking of people the world over. A remarkable man, indeed.
His work must continue.
Marvin

Sammy Kanja   Dec 05, 2013

Dear Lenders,I find it very interesting to see the current funding is been participated by many people who are ready to take my life back to normal.Actually i am trying my best not to let this panel of Zidisha been down by some members who borrow the money and being late in there repayment.Today, i will have to meet two of our borrower who has fallen on there repayment to know there situation.

Sammy Kanja   Dec 04, 2013

Dear Sverre,thanks for request.I'm currently transporting passenger with my old motor-bike.

Dear Sammy, its great to have you back !!. Please keep us updated on Your progress!

Sammy Kanja   Dec 03, 2013

Thank very much my Lenders for the grate example after three hour since i post loan for funding.

Sammy Kanja   Nov 30, 2013

Dear lenders,my names are Sammy kanja.VM.with Zidsha.
Mr.Njuguna is one of my close friend,one of his brother passed a way one Monday this week.This has made it difficult for him to make repayment.We are currently arranging to burry his brother on Wednesday next week.

Sammy Kanja   Nov 30, 2013

Dear Lenders.
My names are sammy kanja VM.Rongai .I manage to met Mr.Ndegwa and we held a lot regarding to his repayment for he has been not submitting for about a year.Actually as he explained to me,i notice there is still a problem facing him and his family.He promise as he harvest maize,he will submit all amount.

Sammy Kanja   Nov 30, 2013

Dear Lenders,My names are Sammy Kanja.I have been trying to contact Miss.Claris Karisa for the last three weeks without vail.I thought may be i was in wrong position,later i contacted Postor Harvey Tel.0707310604.After introducing my self to him,he said Miss Karisa has been out of her business for a while and he is hopping to back at the end of this months.

Sammy Kanja   Nov 30, 2013

My names are Sammy Kanja,one of Zidisha volunteer mentor.I manage to call Mr.Joseph Njoroge though phone regarding his late repayment.He commented to have been experiencing personal challenges expecting to resume business next moth.

Sammy Kanja   Nov 08, 2013

Dear Lenders,i tried to call Mr.Samwel Nganga three times without vail yesterday.This morning ,he call while apologizing.Mr nganga is okay despite the fact is his business is not in good mood.He is trying all he can to manage his repayment past due.I encourage him it would be better to inform Lenders before it is too late.

Sammy Kanja   Nov 05, 2013

My names are Sammy nganga kanja,volunteer mentor in Rongai Nakuru.I am very proud this morning because it is Gods grace to be in a position to write this word to you.I have been trying to contact Mr.Mwangi through phone without vail.I thank almighty father for i manage to meet him in his shop this morning.I started by asking question regarding his business and he explained to me,i notice that he had been looking in all means to make sure he has resolve all the past due,but one of the main problem is that he had been taking cereal to the millers and not have been paid for the last two months.He make a call while in present and i witness what he narrated to me.He is expecting money from one of his mary go round at any time starting from next week,by the time he will be given, he will make sure to make his repayment.

Sammy Kanja   Nov 05, 2013

My names are Sammy kanja,one of the volluteer mentor in rongai nakuru.Today i manage to meet Mr kirangi on his way to his dairy activity.I notice that he has been experiencing some difficulty because one of his daughter had join medical training college.He has used some money to fulfill his daughter dream.He had promise to do what ever he can to make the past due this week or late net week.

Sammy Kanja   Oct 25, 2013

Dear lenders,
I may not have much to say,the only is may God bless you all.

Good luck.Many will want to support your next loan. How about buying a cow or donkey and name it after woman .... ... -)

Hello Sammy Kanja,

Since I read Julia’s post about the actions of you and your wife in response to the Westgate Mall terrorist attacks, I’ve been trying to think of what I could possibly write to convey my feelings of how impressed I am.

There is a saying that during a crisis in your life you find out who your real friends are. Maybe they say it in Kenya too. I used to think it meant that your best friends will help you. However I believe the saying means you will find out the character of your friends, that I is, who they are as people. Will they rise to the occasion and help or will they turn away?

What you and your wife did to assume the medical bills of others is a tremendous act, which speaks to your character as human beings.

I hope that you will be able to rebuild your business soon and your family will have much happiness and success in the future.

Evinpa

To the Zidisha community, I find it very interesting to see how the current world is interconnected in ways we could never have imagined. When the Westgate attack occurred I was horrified but didn't think it would directly affect me or that I would be connected personally with anyone involved. How wrong I was! We truly live in the Global Village. I applaud Mr. Kanja's support of his friend in need in such a selfless manner.

Sammy Kanja   Oct 13, 2013

My heart is full of joy as i see what ever you are doing.You are my hero .

Many lenders are aware of your situation. I feel confident that many will want to help you with a new loan with low interest to rebuy 2 donkey carts and cow.
We are also grateful for your help with following up borrowers.

Hi Sammy
I admire you and your wife for supporting your friend in such a time of need. I hope you will be able to have a new start on building your business. Good luck!

Sammy,

You and your wife are truly honorable people, and set and example for us all. I wish you and your family the best for the future.

Here is a story that deserves to be shared.

Sammy Kanja is a founding member of Zidisha’s community in Kenya. He used his earliest loans to purchase a donkey cart and donkeys for his goods transport business. The proceeds from this business enabled Mr. Kanja to return to secondary school, something that had not been possible in his youth due to financial constraints. Mr. Kanja has maintained a 94% repayment rate over the course of three years of participation in Zidisha’s online microlending community, using the profits from the loans to grow his donkey transport business and diversify into dairy farming. Last year Mr. Kanja’s wife gave birth to twins. Mr. Kanja redoubled his efforts to grow his business assets, looking forward to acquiring high-quality educations for his children with the increased income.

Mr. Kanja also serves as a Volunteer Mentor, assisting other Zidisha members in Kenya to interact with our online community. This month we lost contact with one of the members he had helped, Mr. Fracis Kiiru. After several unsuccessful attempts to call, Mr. Kanja went to visit Mr. Kiiru’s home and discovered that Mr. Kiiru had been injured during the Westgate Mall shootings in Nairobi and had been hospitalized.

Mr. Kanja went to the hospital to visit Mr. Kiiru, and discovered the latter in serious condition with no means to pay the hospital bill. ”I told him i was given only twenty minute to because it was not time to visit them,” Mr. Kanja wrote to us in an email. “He shouted with the lound and started crying saing do not let me sleep here ones again because i have no money to pay for the hospital bill,my wife went away when i reached to the hospital on sunday.My heart beat like a disco becouse i was not expecting to here that.”

Mr. Kanja and his wife decided to sell the two donkey carts and the dairy cow that had been the source of their family’s financial well-being, in order to pay for medical treatment of Mr. Kiiru and of a relative whom they also discovered among the injured.

“I used the money to tranfer hime to the private hospital for farther treatment,as i am writing to you,he is in good condition and i am expecting to take him to his sister on wenesday as per the doctor,” wrote Mr. Kanja.

Mr. Kanja could have gone home quietly, telling himself that there was nothing he could do to help. Instead, he traded his business assets, the source of his family’s livelihood and hope for a better financial future, to procure life-saving medical care for others.

Mr. Kanja may not look extraordinary and he will probably never be on the cover of a newspaper. For me, though, he is a hero.

You may read Mr. Kanja’s account of his visit to the hospital in Mr. Kiiru’s Zidisha profile page: https://www.zidisha.org/microfinance/loan/francisnjuguna/839.html#comment-section

Sammy Kanja   Aug 09, 2013

Dear Lenders,
Im Sammy Kanja,VM,Rongai.I paid a vist to Zippora Njeri at her place of work this morning,i just wanted to know her situation.It is about seven km from where i live,on my way i met many of our borrower whom they wanted to know about there situation.Actualy i could not be able to answered them because my phone was with less powers which i wanted to use to log in Zipporas profile.After about two hours of a very taff journey due to heavy rain that is experiencing in our country,i manage to met Zipora at her working site,it took as a bout two hours for i could not want to enterfeer with her customers.After long time of negociation, i notice she has been expiriencing difficalties since her items from her shop were stolen,Infact she was left with none.I was very happy because beside the situation she is trying all her best to regain again.At last she promise to resume to the repayement any time this month.She will able to be submitting amount of K.E.S.1.000.I think to do my best to make sure she has reschedule her loan.
I wish her all the best.

Hello Sammy Kanja
it is a pleasure to see somebody who is helping others planning with the repayment of their loans. Planning for the repayment of loans is an important part of being a successful borrower and making a business more profitable.
The description of your business with a projection of sales revenue, costs and profit is a good example of a basic business plan for other borrowers to follow.
May your business thrive
Ted

Sammy Kanja   Aug 08, 2013

Hi Lenders,
This is Sammy kanja VM.Rongai.I spoke to Mr. yesterday through the phone.As you can see how he has been unable to submit his repayement.After long time exchanging view on solving the problem,I notice he cannot make to submit the whole needed amount at the moment.I requested him to commit himself on how to handle the situation.He promised to be submitting amount of K.E.S.3,000 pm starting this months.

Sammy Kanja   Aug 08, 2013

Dear Lenders,
My name is Sammy,VM.Rongai Nakuru as i am writing to you,Mr. Nganga is with me.He had travel from Nairobi Dandora to my place to know how he can be assisted in solving the situation.I asked him more question a bout what is happening and what measure to make sure the goes is not happening again.Mr.NGANGA is one of his own because whenever been asked question,he is there to answered them very polite.At last we came to a conclusion to be submitting .K.E.S.3500,00 per months till his business resume to it position.

Sammy Kanja   Aug 08, 2013

I met Mr.Gichora this morning,we had to change views concerning his repayment.As per my understanding,i notice that he has been submitting his repayment on time.The only problem he has is that for him to access the computer,it takes a bout one to two months.

Sammy Kanja   Aug 07, 2013

My names are Sammy kanja Volunteer Mentor.I am taking this opportunity to thanks zidisha team for allowing Lenders to ask questions direct.I just have a call to Mr.Kiiru this morning,to know whether he has changed his thought regarding to his repayment,i found it is as he stated yesterday to start on Sep.As you know since his brother died on march,his mind has not resettled.

Sammy Kanja   Aug 06, 2013

I want to take this opportunity to thanks all Zidisha team,For know i can see a lot of improvement to the web.In respond regarding to Mr.Kiiru,I manage to spoke to his through phone for a bout twenty minute.I notice that there is still a problem facing him at the moment,He promise to start his repayment on Sep .but i will be contacting him a t least twist per week till then.I will updating to you ones i call him.
Thanks ones again MR. qt9989 for letting as to know how he is performing at the other side of Lenders.

Hello Sammy,

I am writing you because you are the mentor for Francis Kiiru. I see you are
also mentor to 98 other borrowers so you must be very busy!!
Do you know how Francis is doing? The reason I ask is he has not yet
made any payments on his loan. I know his brother died in March and
that has delayed everything, but maybe you can help him reschedule
the loan.

Best regards and glad to see your dairy business is doing well.

Hi Sammy;
I hope your business is getting back to normal and growing. Good luck!

Sammy Kanja   Apr 18, 2013

Dear Lenders,it my pressure to say to you that every thing is on it way back,since we completed our General election on March.Everyone is busy to his /her daily basis work.I hope by 15/may things back to normal.

Sammy Kanja   Feb 20, 2013

Hi everyone,it is the mid of dry season.i hope to continue repaying my loan with very high rate so as to make before end of Sep.I have staid for a while without your views LENDERS.

Sammy Kanja   Dec 01, 2012

Thanks evinpa for your encouraging word,may almighty Father be with you forever.

Sammy Kanja   Nov 29, 2012

Hi Lenders i have been quit for a while due to am very busy with my business of donkey cart,in fact i have been going to Rongai twice per week.Actually i buy a nice cow from neighboring Farm which is well doing very well.I want to thanks you for your generous support,God bless you.

You are very welcome Sammy!! Glad to hear all is going well. I wish you and your family all the best.

JJ

You're welcome Sammy. Thanks for the update. It is nice to hear from you. Good health to you, your family and your animals.

Evinpa

Sammy Kanja   Oct 02, 2012

Dear Lenders.After crying for a month now it has end with joy.Let me start with thanks through my family any one who was with me during my prayer.I will not forget Evinpa for her effort to make sure every thing is okay at the end.To my plan i will go straight to the Gorga Farm to buy a she cow according to my choice to start a new business.I will updating you on the goes.Let God be with you Amen

Thank you Sammy. I'm happy you got your loan.

Sammy Kanja   Oct 01, 2012

Hi lenders today is my last day to be funded,I have remain with only 19% my loan to be fully funded.I want to thanks every body who participated in time of need.Let our almighty father be with you, if you asked anything let him answer you.Let me not forget Zidisha organization for allow me to be in there website.God bless them. .

Congratulations Sammy! I see that you've reached 100 percent on your last day. I look forward to hearing about your new cow. Also I was happy to hear news of the birth of a donkey recently. Good health to you, your family and your animals.

Evinpa

Sammy Kanja   Sep 30, 2012

Hi lenders i have seen you have done some thing to me,i do hope at the end every thing will be okay.I promise to inform you how it goes.

Sammy Kanja   Sep 29, 2012

Hallo lenders, thanks for the participation to my loan.I have remain with only US.745.99 to buy anew Frisian cow,my worry is the bids will end on October01,2012.Please i am praying for your kind.

Hi Sammy,

Thanks for your post alerting us that your loan is about to end. I added some more to my bid and I hope others will do the same. I know you've been doing well in the past with your donkeys and I would like to see you be able to get the cow you want.

Evinpa

Sammy Kanja   Sep 27, 2012

Hallo lenders.I am very great with our government progress in prosecuting our ministers.Today one one our ass minister is under high pressure of answering questions concerning hate speech on public rally.He has been in excel for a while but yesterday our forces tried there best to find him,and charged by court of law.

Sammy Kanja   Sep 23, 2012

Hi lenders,i thing very soon my views will fulfill.My family are doing well with my twines bay boys.The business is booming because it is harvesting sessio.God bless you.

Sammy Kanja   Sep 21, 2012

Hallo lenders i am very great full for your funding.Almighty father let your soul be written in book of internal life.Today will be my conclusion day to seek for my best breed,i will visit one of the reading firm it name is Twanga farm.Any one who would like to share vews with me to contact me through this mail,sammyngangakanja@yahool.com.God bless you.

Sammy Kanja   Sep 17, 2012

I do not know what to say to you lenders for tried to uplift my loan.Toady it will be my third day to look for the best breed.I will be updating you my views and you also gave the advice.

Sammy Kanja   Sep 13, 2012

I am very happy today because one of my donkey give birth to a young one.Also i have started my fore site to look for good breed to new business of dairy cattle through zero grazing.The job is good to me because when i finished my donkey job,i will use the cart to transport the food for the cow.

Sammy Kanja   Sep 10, 2012

Today i woke up well ,i took my donkey ready for the dairy bread,while waiting for the loan to be fully funded for the next business.

Sammy Kanja   Sep 07, 2012

Dear Bena.First is to thanks you for the job you deed to me last time.Iam now on to be funded and im waiting for your fund

Sammy Kanja   Sep 07, 2012

Hi canandianIsta you are so quet,I finished the loan and played for the next.This is my prayer to you do something to that.

Sammy Kanja   Sep 07, 2012

Dear lenders ,today i was very busy visiting the site to buy the best cow.I went to one of the farm nearby called Gogar farm,i met one of the vet doctor there.We heed a negotiation with him concerning the cow,i asked what will i do to the cow so that it can help me,you should be very keen when handling the animal he answered.

Sammy Kanja   Sep 05, 2012

Thanks very much Evinpa for you courageous word though your comment.I hope things will go well soon.Let me not forget other lenders who has been funding to me,they are doing well by remembering the needy.God bless you as you fund me.

Sammy Kanja   Sep 03, 2012

I would like to take this opportunity to thanks Evinpa,for she is the first Lender to fund me.This is to show me that other lenders will follow.

Sammy Kanja   Jul 26, 2012

Dear Lenders i am doing well with my business,for this time iam transporting beans from the farms to the nearby town.The business is booming hoping to succeed in every kind.I want to remember every one who take place from this way or another,you fund me without knowing me same you show your generous by funding me.I promised not to let you down and have never let you down.Remember me at next loan.God bless you.

Sammy Kanja   Jun 22, 2012

It is my pressure to say that Zidisha family have given me hope in life.Infact my family is very happy for being assured that their is hope and confidence in day to day life.

Sammy Kanja   May 26, 2012

Dear lenders and there family,because of your kind i came to now that you contribution is very help full.I would like to request you ,if the sum you gave me was prayed because every thing i do with the sum is successful.During the first loan ,my wife receive twins baby boys namely Nganga and Mwangi,no photo at the moment but later i will produce.Secondly loan buying one donkey cart and three donkey,at the same time going back to school for completion of my education and employed two casual workers.This far due to you lenders.May you be in this world for many years to help many people.A long journey started by one step.

Sammy Kanja   May 24, 2012

I here ones again to ,with full of happiness to remember all lenders who funded me in the time of my cry.I receive the amount on time and i did as i said from my profile. I bought one more donkey cart and three donkeys worth KE.70,000.The rest of the money,i spent on buying drugs for the animals and repair the other cart.The money was help full to me because i m ten steps ahead of where i was.Now i went back to school to complete my secondary education ,for education is the key of life. I will not forget AchiniyaRai for paid a visit to my country and my native land .

Sammy Kanja   May 15, 2012

Thanks bena.

Hello Lenders,

My name is Achintya RAI. I paid a visit to Sammy Kanja Nganga in Rongai area of Nakuru (Kenya) on the 28th of March 2012.

Sammy has donkeys and donkey carts which people rent from him to transport water and material. Sammy is repaying his second Zidisha loan right now. He used the first loan to buy new tyres for his cart and to repair it. With the second loan he bought another cart and donkeys. Now he has six donkeys and two carts. The names of the donkeys are- Toto, Jimmy, Tony, Kilo, John and Sammy.
Kilo, John and Sammy are the new ones he bought with his second Zidisha loan. When I asked him if Sammy the donkey’s name was spelled the same as his, he said “like me” and added, “I do love it” as explanation. Sammy has four children (whose names I didn’t ask).

Sammy has a small shamba (farm) as well. His wife looks after it while he takes care of the donkey-cart business. He also now employs two persons to assist him in his business. He said that his life had improved because of Zidisha loans. This is something I have noticed in many cases. Second Zidisha loan onwards you start seeing a very noticeable and perhaps measurable difference in most people’s incomes, spending and lifestyles.

Sammy’s wife has studied till form-4 (secondary school) while Sammy himself has just finished primary school (Standard-8). With his enhanced income, Sammy now aspires to educate himself. He told me that he first wants to finish his form-4 and then go on to do a course in accounting so that he could take better care of finances for his business and possibly get a job in the field.

I met Sammy near the Railway Station of Rongai where he grazes his donkeys and parks his carts. I noticed that there were only three donkeys around. When I asked him he told me that the others must have got free and gone home. Apparently, whenever Sammy’s donkeys get free they go home. They reminded me of Homing Pigeons, only cuter.

While Sammy’s Sammy was finding his way back on his own, I had to take a ride on Sammy’s bike to find mine. I wish Sammy and his family the best for their future.

Achintya
14th May 2012

Thank-you for such an endearing update. My best wishes to Sammy and his namesake.

Sammy Kanja   Apr 04, 2012

hey zidisha family i came to know that you are blessed to help,When Mr Ahintya came to my native land ,I enjoyed spending time with him ,in fact he so my business and i take him to the other members. My prayer is that you keep on senting people like him so that members to lern more about Zidisha. God bless the family .

Sammy Kanja   Mar 28, 2012

I thanks family of Zidisha for senting as a visitor known as .Achintya Rai.I'm very happy for i spent the day together.

Sammy Kanja   Jan 28, 2012

AM VERY GREAT FULL THIS MOMENT TO HAVE A WORD OF HEY TO YOU .SECONDLY THE JOB IS DOING WELL.

Great to hear that your business is doing well! Good luck and I look forward to reading your updates

Sammy Kanja   Dec 30, 2011

Dear lenders im very happy this moment ,and every thing is doing as i was expecting. I promise to fulfill the promise at the right time.GOD bless mboni.

Sammy Kanja   Dec 11, 2011

I;m well doing my job waiting for the January to start repaying my loan .Special thank be to Lauren in Wshing-tong.

Sammy Kanja   Dec 09, 2011

Hey; lenders i;m very happy to you, GOD bless .you

It is good to hear that things are going well for you.

Sammy Kanja   Nov 12, 2011

thanks thee family of zidisha lenders.iam doing well.the season is very promising financially.

Sammy Kanja   Nov 10, 2011

I,M WELL WITH MY JOB,AS OUR COUNTRY IS IN IT WAY TO PROTECT IT LAND FROM THE ENEMY.

Sammy Kanja   Nov 08, 2011

WITH GOD, EVERY THING IS POSSIBLE.

Sammy Kanja   Nov 07, 2011

I,M TAKING THIS OPPORTUNITY TO THANK JULIA FOR THE WELL DONE JOB GOD BLESS YOU.

Sammy Kanja   Nov 06, 2011

A'M GREAT FULL TO YOU LEADERS AND ZIDISHA FOR THE WELL DONE JOB I CAN NOW BE ANOTHER PERSON.

Sammy Kanja   Nov 04, 2011

THERE IS SOME THING PEOPLE FORGET IN LIFE THE THING IS THANK YOU.

Sammy Kanja   Nov 02, 2011

what can I say to you lenders .If GOD IS FOR YOU WHO CAN BE AGAINST YOU.

Sammy Kanja   Nov 02, 2011

hey lenders i can see lauren bidding me "ulipotelea wapi?"sisi tuna kumiss.mr gachoka and his family are longing to see you."salimia dad and mum.greet as well marycb,hilke,qt9998 and melliecarma.kwaherini wote.

Sammy Kanja   Nov 02, 2011

hey lenders kindly bid this loan.i still remember you all because of your bidding last season.i still remain your faithful borrower.

Sammy Kanja   Oct 22, 2011

I;M GREAT FOR YOU;RE COMMITMENT TO ME GOD BLESS YOU.

Sammy Kanja   Oct 17, 2011

HEY LENDERS!MAY I SINCERLY APPRECIATE THE ROLE YOU HAVE PLAYED IN CHANGING THE COURSE OF MY LIFE DUE TO YOUR LOAN. I CAN NOW AFFORD TO LIVE ABOVE THE POVERTY LINE. I HAVE NOTHING TO OFFER YOU EXCEPT TO SAY THANKS.MAY THE LORD'S FAVOUR BE UPON YOU.

Sammy Kanja   Sep 14, 2011

I m wel doing with job,hoping to finish my loan soon.

Sammy Kanja   Jan 12, 2011

I hope to pay the loan within the shortest time possible. Sorry for inconveniencing you people.

Sammy Kanja   Oct 21, 2010

we celebrated the first ever mashujaaday (heroes day)yesterday and it was very colorful .my bussiness is doing doing well and I appeal to you to lend me some money urgently so that I Can service my cart.I URGENTLY need money to buy tyres because they are having punctures frequently and interfering with my bussiness for the whole day.

Sammy Kanja   Oct 10, 2010

IAM DOING WELL IN MY BUSINESS AND THE BUSINESS OF TRANSPORTING MAIZE FROM THE FARMS IS BOOMING BECAUSE ITS HARVESTING TIME.IAM HAPPY BECAUSE OF JULIA AND HER ASSOCIATES FOR COMING WITH SUCH ANOBLE IDEA OF HELPING YOUNG ENTREPRENURES LIKE ME.THE WEATHER IS FINE BUT WE ARE ANTICIPATING A VERY DRY SPELL CALLED (LANINA).MAY GOD BLESS ZIDISHA LENDERS.

Sammy Kanja   Oct 02, 2010

irequest you to activat my account so that i can enjoy the benefits of being lent some money to boost my business.Dearly miss Laurene

Sammy Kanja   Aug 06, 2010

ithank lauren for helping to join zidisha God bless you

You're welcome Sammy. I had seen your profile several months ago when someone wrote about your donkeys. I decided that I would lend to you next time I saw you apply for a loan. I hope you raise all the money for the new milk cow soon.

Evinpa

Repayment Schedule Changes

Sammy Kanja   Aug 09, 2013

Dear Lenders,
I decided to take this oppotunity request for two month grace period.My dairy cattle are affected by foot and mouth deseases.I am do every thing posible to overcome the situation.It might take a month as the vet doctor said.For now no any income that take place in my side because of heavy rain which is expiriencing in our area.The donkey cannot work during the situation,it may propel upto next month according the wearther focas.I do begg your pardon for not submitting my repayement on time.

Hello Sammy Kanja,

I hope that the health of your animals is beginning to improve. I wish you luck for the continued success of your business.

Good health to you and your family as well,
Evinpa

Sammy Kanja   Mar 11, 2013

Dear Lenders ,due to the to the hardship which was to our country during Election, i do hereby suspend my repaying to the month of may.This is because i have been learning without business and tension,when i remember the year 2007 general election,it was full of chaos and most of the people in our area act as wild animals by killing others.I thank God for even if it was general election there were no any incident reported,the only thing was no money circulating .God bless you.

Hello Sammy,

I hope you continue to experience peace after the March 4 election which had everyone nervous about possible violence. Also, congratulations on being designated a volunteer mentor for Zidisha.

Evinpa

Sammy Kanja

Romgai, Nakuru, Kenya

99% Repaid

About Sammy Kanja


On-Time Repayments: The On-Time Repayment Rate is the percentage of all monthly or weekly loan repayment installments that this member has paid on time (within ten days of the due date), for all loans that he or she has taken since joining Zidisha. The number displayed in parentheses is the total number of monthly or weekly installments that have been due, over which the On-Time Repayment Rate is measured.

93% (29)
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Feedback Rating: The Feedback Rating is based on performance ratings assigned to the borrower’s previous loans by Zidisha lenders. The Feedback Rating score is the percentage of all performance ratings that are positive, and the number displayed in parentheses is the total number of performance ratings the borrower has earned.

100% Positive (11)

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Online Identity: If this member has linked a personal social media account to verify online identity, it will be displayed here. Not Provided
National ID Card: Indicates whether this member has provided Zidisha with a copy of a government-issued identity card. Not Provided
Community Leader Recommendation: Indicates whether this member has provided Zidisha with a Recommendation Form signed by the leader of a recognized organization, such as a school or religious institution, in the member's community. Not Provided
Public Endorsement: If this member has received any public online endorsements from local acquaintances, they will be displayed here. Not Provided

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About This Loan

Loan Principal Disbursed: USD 971.00
Date Disbursed: Nov 24, 2011
Repayment Period: Number of months or weeks from disbursement until loan is fully repaid 18 months
Grace Period: Number of months or weeks between disbursement and first repayment installment 2 months
Total Interest Due to Lenders: This is the annual interest rate proposed by the borrower. Lenders may bid to finance the loan at the borrower’s proposed interest rate, or at a lower rate if they desire. If more bids are received than the amount needed to fund the loan, the borrower will accept the bids with the lowest proposed interest rates.

All interest rates displayed on the Zidisha website are expressed as flat percentages of loan principal per year the loan is held. For example, for a loan of USD 100, taken at 4% annual interest with a repayment period of six months, the total interest amount will be USD 100 * 4% * (6 months / 12 months) = $2.

The expression of interest rates as flat percentages of loan principal amounts is intended to make calculation of interest amounts more intuitive for borrowers and for lenders, and to facilitate comparison with other microfinance loans in borrowers' communities, the majority of which also use the flat rate methodology to express interest rates.
USD 13.23 (0.91%)
Borrower Transaction Fees: A transaction fee paid to Zidisha, expressed as a total amount and as a flat annualized percentage of the loan principal amount. USD 72.83 (5.00%)
Total Amount (Including Interest and Transaction Fee) to be Repaid: Interest plus transaction fees, expressed as a total amount and as a flat annualized percentage of the loan principal amount. USD 1,057.06 (5.91%)

Funding

Lender Name Amount (USD) Interest
LaurenR
(104)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
15.000.00 %
Hilke
(320)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
60.000.00 %
Dianne
(151)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
12.000.00 %
Spock
(42)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
1.830.00 %
marycb
(693)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
50.001.00 %
qt9998
Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
200.001.00 %
melliecarma
(98)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
1.721.00 %
Feldborg
(1,863)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
82.001.00 %
Delph007
(587)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
25.001.00 %
Feldborg
(1,863)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
35.201.00 %
melliecarma
(98)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
1.551.00 %
mikedufty
(834)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
5.341.00 %
melliecarma
(98)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
2.681.00 %
qt9998
Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
50.001.00 %
marieb
(33)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
6.571.00 %
Feldborg
(1,863)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
13.431.00 %
smonroe
(116)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
1.111.00 %
mikedufty
(834)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
9.911.00 %
mikedufty
(834)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
50.001.00 %
slevon
(53)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
14.001.00 %
Feldborg
(1,863)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
4.121.00 %
Feldborg
(1,863)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
11.731.00 %
Feldborg
(1,863)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
5.331.00 %
Sideburnjack
(145)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
10.001.00 %
Ishaque
(636)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
100.001.00 %
mikedufty
(834)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
4.721.00 %
Feldborg
(1,863)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
5.781.00 %
qt9998
Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
100.001.00 %
Feldborg
(1,863)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
4.211.00 %
marieb
(33)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
1.391.00 %
Feldborg
(1,863)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
14.721.00 %
smonroe
(116)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
5.341.00 %
Bena
(240)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
65.911.00 %

Repayment schedule


Repayments due as of Apr 18, 2014:  USD 0
Total repaid as of Apr 18, 2014:  USD 1,057
Date Due Amount Due Date Paid Paid Amount The Paid Amounts displayed here are the local currency amounts received, converted to US Dollars at the exchange rate that was effective at the time the loan was disbursed. The amounts credited to individual lenders are converted to US Dollars at the exchange rate that was effective at the time each repayment was received, and due to exchange rate fluctuations they may be more or less than the amounts displayed here.
Jan 24, 201262.18Jan 23, 201252.44
  Feb 23, 20129.74
Feb 24, 201262.18Feb 23, 201262.18
Mar 24, 201262.18Feb 23, 20120.46
  Mar 23, 201261.71
Apr 24, 201262.18Mar 23, 201219.73
  Apr 23, 201242.45
May 24, 201262.18Apr 23, 201249.18
  May 23, 201213.00
Jun 24, 201262.18May 23, 201262.18
Jul 24, 201262.18May 23, 201262.18
Aug 24, 201262.18May 23, 201235.72
  Jun 23, 201226.46
Sep 24, 201262.18Jun 23, 201262.18
Oct 24, 201262.18Jun 23, 201233.53
  Jul 23, 201228.65
Nov 24, 201262.18Jul 23, 201262.18
Dec 24, 201262.18Jul 23, 201262.18
Jan 24, 201362.18Jul 23, 201229.03
  Aug 26, 201233.15
Feb 24, 201362.18Aug 26, 201262.18
Mar 24, 201362.18Aug 26, 201262.18
Apr 24, 201362.18Aug 26, 201246.11
  Aug 23, 201216.07
May 24, 201362.18Aug 23, 201262.18
Total Amount Due1,057.05Total Paid Amount1,057.05