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Purchase of a home theater for my house

My name is Kerry and I am a Client Relationship Intern for Zidisha in Nairobi. Today I had the opportunity to meet Paul Okun, a leather worker in Nairobi. Paul is new to Zidisha and just received his first loan, which has enabled him to purchase a curve cutting machine. This allows him to cut leather leaving a rounded edge instead of just relying on his scissors which produce a square edge.

Paul was born and raised in Spring Valley, a neighborhood of Nairobi. He still lives on the compound that he and his six brothers and sisters were raised in. In fact, Paul, his mother, and four of his siblings and their families still live in the compound. It can feel very crowded and this may be why his father relocated upcountry to his village of Oyugis. Paul credits the success of his business to his father, since he has always pushed him and helped him financially.

After high school, Paul's grades weren't good enough to study at college, not that he was too interested anyway. He realized he was more interested in working with his and hands and different materials. Together with a colleague, they began building crafts from computer designs. This turned building and apolstering furniture. Paul would sell wooden chairs from his father's compound, however since the competiton was fierce, he began producing leather products like folders and coasters. He secured his first big deal with Zehineria Hotel in Westlands. He made them their menu folders, later coasters and eventually Zehineria asked Paul to make 200 conference pads for business meetings. Below are photos of all these products.

Only yesterday, with the purchase of the curve cutting machine, Paul secured a deal with Kenya Scout to make 10,000 scouts, which are used to hold women's head scarves together at the base of the neck. This is a huge deal, and it is thanks to Paul and his charisma and persistence, but also to Zidisha lenders. Without the machine, Paul could not have produced the curved edges needed for the scouts.

In the future, Paul is looking to continue securing contracts with this company to produce pouches and belts. He wants to use these profits and loans from Zidisha to purchase more machines like a laser engraving machine and hole punching machine. This way he can avoid outsourcing. LIke a true businessman he wants to control all lines of production. This will aslo lead to hiring more employees. Already with the new deal he his able to bring his orphaned cousin to Nairobi from upcountry. The cousin will work for him and in return Paul will provide room and board and pay for his college fees.

After his meeting with me, Paul was headed to Kibera, the largest slum in Nairobi. There he works with small business owners to teach them how to market their products. He also plans on spreading awareness of Zidisha. The next time we meet, I will check out his workshop in a neighborhood outside of Nairobi. I am leather lover, so I plan on doing some shopping.

To buy refrigerator to preserve the food

Hi lenders,

Am grateful to all who supported my loan because my profit has increased approximately by 70% and I want to use partly to buy more utensils so that more customers can be served well. Thanks Zidisha lenders !

Help me build standard six classroom

The pit latrine you saw last week now has slab put on actually costed me Ksh.15,000.Now i have my eyes fixed upon repaying the loan as well as looking for other means of putting up the walls,floors,doors,urinals and painting before the kids start using the new toilet.Actually the project will cost Ksh.60,000.Thank you zidisha and my lenders one more time for investing in our life,more so for helping us address one of the biggest challenges of our time.(equal, affordable and modern education for all )

Barbershop inventory

Thank you for posting the picture! That's great that you were able to put the shop on Google Maps, hopefully this helps your business to grow even more!
Let me know if you do decide to create a website at some point, my husband and I would love to see it, and possibly help with content editing if you would like. I used to work for a company that improved the content of clients' websites, and I work as a translator/editor now, so I would be happy to help at no cost if you would like. The offer is there, so feel free to ask if you are interested, whenever you are ready :)

Invest in new breed of pigs for pig farm

a mother pig with her piglets feeding in an open area. This is the best i trust in the flock for her good mothering ability

Help me buy chairs for my customers

Just added three more plastic chairs, once more just to say thank you to all zidisha staff and lending persons. for now have bought eight plastic chairs.

Help me buy chairs for my customers

Thank you to zidisha, I love what am doing through your help. I serve my customers with respect and hey enjoy my services. After buying chairs? customers enjoy my services.


And these others are a compilation of photos inside and during the services of daily basis in the same place and some of my workers as they try to serve my customers in the respective place.

Stock for grocery shop and school fees for my son

This evening I am so excited and so happy. Whoever thinks Zidisha is a myth should just come and experience this. That I have my loan approved, funded and disbursed in such a short time - I do not have enough words to thank the Zidisha community.
Thanks to all the lenders who made this my loan come through.
Special regards to Hedwich who has been in the front line of all my 3 loans. Thanks Hedwich and all the other lenders for the much confidence you have had in me.
I already bought the amaranthus seed and the first ground is ready for planting. 2 other portions of land are in the process and should be ready in the course of the week.
Concerning my community activities at Zidisha I am glad to be availed the opportunity to be a VM and I already have 5 assigned members. Since I cannot pay back the goodness I have received from Zidisha, this is the only way - to help others benefit from the resources available at Zidisha.

Tea and dairy farming

Zidi the cow


Loan to buy maize seed

Hello Amos,

I am happy to share recent good fortune with you. I am a gardener ans grow tomatoes each season, as well as other vegetables. Sometimes I'm successful, sometimes things could be better.

Good luck with your garden.

Ed Sikorski

Add two acres to potato fields, buy materials & employ worker

My Potatoes

Rear more chicks

The chicks relaxing in their coop.

Rear more chicks

This is me with my brood of one and a half weeks. They will be ready in four weeks time.

M-PESA mobile money transfer service

My son Morgan is now in class 2 and the increased earnings are helping me even pay for his school fees.Attached is his photo he was happy too when i told him about Zidisha

To buy some cereals for my store

Now my knee can move with less pain

Buy a 17" tft computer monitor to train computer packages

Hi lenders.. this is to update you on positive change, an idea that i got after i received the cash, I got a client who needed internet at his house and considering the fact that he lives in an apartment which is at a far distance to where my current internet coverage radius was, i bought a second hand WAP and i used it to pull internet and set up an up WI-FI around that area, I am happy that i have now connected 3 more clients which is an extra income to me. The clients are happy that they can now surf at home and work online from home. I am much grateful to zidisha fraternity.. Thanks alot team!

Buy laptop to study for CPA class exams

Hi Lenders.
Here is a photo of myself at at the gate of the country's leading Seed Company when I went to buy seeds.
Again, thanks for the funds.

Inventory of wool and knitting needles for knitting business

This are the items i managed to purchase which costed $27.50

Inventory for Clothing Stall

A larger photo of my stall

Barbershop inventory

Me in my shop.I will post the new photos soon.A Zidisha mentor helped me put the shop on google map.Styles Gold barbershop in Bungoma.Hope i can open a website and be ahead of others too

I would like to thank Zidisha for their support towards my project
I wish to improve my chicken rearing project, The photos shows the structure i have built to house 500 chicken

Tea and dairy farming

Zidi the cow

Addition of computer at the cybercafe

still at shop

Mobile phone and electrical equipments


Mobile phone and electrical equipments


Copier for cybercafé

Bought a new printer Epson TX800 with the loan that I got and now my business is still growing from one level to the other.
Thanks to Zidisha Team

Passion fruit project

These are more pictures of the tomatoes project. Thank you, lenders, for your kindness. My promise to you is to be faithful in the repayment of my loan, to enable others to receive the same assistance.

Completing electricity installation for rental houses

Dear lenders, i am very grateful for the loan that you gave me to install electricity to my rental housing business. i am very happy because i was able to pay 166 dollars to the Kenya Power and Lighting Company as deposit for the installation of electricity. I also spent 29 dollars to pay for my transportation cost to and from the Kenya power and Lighting Company Offices. The total amount for the full installation will be 498 dollars. Therefore, i will still be required to clear a balance of 332 dollars. I am really thankful for your generosity. I am happy because i know Once the electricity is fully installed, my houses will even appeal more to my tenants and my business will even be better. After installation of Electricity, i will also be required to install piped water and also build hygienic toilets after which i will now construct more rental houses.


And now here are some of the foods we prepare foe our customers:-this one is roasted beef meat ready for consumption.


This is now the main part of the restaurant with my customers while sited for their meals.


this is the inner side of the same where the cashier is as she continue to serve the customers while they pay.


This is the front part of the restaurant where customers pay and request their orders to be served

Expand business from electronic repairs to include the sale

At work

Passion fruit project

My lenders, I appreciate every sacrifice you have made to help me with my tomatoes project. The project is progressing well, as shown in the pictures of the project. I still need your assistance to market the already-ripe tomatoes and to extend the project further in order to lift the standard of living of my family and to further my studies. Thank you very much, my lenders!!!

Tuition for section 3 cpa course

My name is Kerry, and I am a Client Relationship Intern in Kenya. Today I had the opportunity of meeting Nicodemus, and I wanted to give you an update on how he is doing.

I met with Nicodemus at the Koja roundabout in downtown Nairobi. The roundabout is possibly one of the busiest intersections in the world. It is a swarm of Matatus (buses), piki pikis (motorcycles) and people hurrying along. I knew I would never find Nicodemus, but luckily since I am a Mizungu (foreigner) with a bicycle I am very easy to find.

Nicodemus is a tall young man, who works and studies in downtown Nairobi. He was so sweet, taking my bike for me and pushing it through the crowded streets of Nairobi. We arrived at his school within about 5 minutes. This is where NIcodemus studiesAccounting. So far Nicodemus has his 2nd section CPA and going for his 3rd, eventually he will try to go all the way up to the 6th, the highest, but he is only 23 so has plenty of time. At school he takes three night classes - Financial Accounting, Entrepreneurship, and Introduction to Law. When I asked him what his favorite he quickly responded FInancial Accounting.

Nicodemus says he has always been good in math and has a true love of numbers. He was inspired to go to this specific school, since his Pastor had studied there and recommended it. It is in the perfect location, since it's only a five minute walk from his work, where we went next. He got the job around a year ago at Ignite, which specializes in laser printing and engraviing. He said it was one of the proudest moments for him. He is very grateful for Zidisha because with the loan, he is able to pay his tuition which will help him grow within his company as well as help his mother out. He is an only child and his mother owns and runs a hardware store out in East Nairobi. He said his mother almost had to give it up when the Kenyan government was deciding to expand and pave the road. Luckily it dodged her roadside store.

Nicodemus wakes up at 4am and studies for two hours, goes to work at around 8 to 5 and then class from around 6-8. When he has free time he loves watching movies and he sings in his church choir. He even sang a bit for me! LIke all other aspects of his life, Nicodemus is determined in the choir as well. He told me he hopes to become lead singer soon.
Below are some pictures of him at work and school!

Cybercafe business

First of all may take this opportunity to sincerely thank the Zidisha community for the financial assistance they accorded me. the contribution helped me a great deal in expanding my tea farm. Now I have 3 acres of land under tea which will give me great returns in the next two years. God bless you all in your endeavors


My thanks goes to Zidisha, i managed to purchase a set of dinner plates for my catering business, i was very relieved this Saturday 14th of February 2015 when i had a function to prepare dinner for 50 people. i was very proud to use my new dinner plates for the function, this also lessen my expense for hiring of dinner plates.

This time round instead of paying for the plates, i have used the profit in saving for another item. What a great idea this is.

Laptop for my final year project in the university

At lectures, thanks to the zidisha team.

To increase my stock in the new business i have opened

this is one of the front shelves in the display.

Clothing materials for my african designs shop

Busy at work

Mini-laptop for online freelance writing

Thank you so much for the iwriter special request. I have arrived at the cyber this morning, and I have started my research on it. I am a very hard worker, therefore you can be sure that I will do a thorough job.

About the hard disk, there are some people who specialize in data recovery here. However, most of the time, the cost is higher than the price of a new hard disk. I am holding on to the hard disk because the pictures of my children are in it, as well as most of my poems and lyrics. One day, when I am able to save enough to afford it, I will definitely recover everything.

Thank you so much for your confidence in me as well as your help. I will not let you down.


Selling rice to pay university fees

I have also attached a few images showing my school life. Otherwise, I am working hard at both ends to meet both my educational and business goals. Thank You so much dear lenders.

Selling rice to pay university fees

Dear Zidisha Members, the loan has been very resourceful in my business and my studies too. No wonder I have managed to welcome new members as well as pay my loan on time. Words alone cannot express how grateful I am for the support, inspiration and motivation from the members of this forum. I have managed to raise my school fees for the last two semesters, and still sustain my business. At the moment I am working on a plan to purchase a personal Computer before the semester ends, and I am optimistic that this will be possible.

Laptops to train residents in graphic design

This is a flier i designed for Busol Ghana Limited, a business consulting firm located in Sunyani where my business operates.

Boost stock for estete shop


When my business grow, my daughter too shall have good upbringing.

Thank You Lenders.

Inventory of mitumba for my clothes store

Just me in my shop and this is part of the second hand clothes I sell.

Development of oyster mushroom cultivation

Dear lenders,
Thank you for helping us to develop our business. Here are photos of the development of new home construction mushrooms are funded from loans zidisha. Thank you very much

Inventory of maize flour packaging and marketing materials

Greetings all, i must confes how am glad to be a member of the zidisha platform infact i feel zidisha has been like my family since i joined lasr year in august.
you have been with me all this way and i feel that i did a very good choice of being here.
am happy to have completted my first loan which enabled me boost my bussiness of maize milling in nakuru county,and so far i thank the zidisha platform for i could not make it without your selfless support.
with my next loan i plan to start packaging the maize flour in 1kg and 2kg packets and also use part of the loan in acquiring the kenya national bureal of statictics(kebs) logo that will see me able to go market my flour in supermarkets within Nakuru and towns like Naivasha which neighbour Nakuru.
using the first loan i was able to increase stock by upto 80% from 35%, this is a great milestone i have achieved and also i have been able to hire my first 2 employees who assist me in the manufacturing and marketting of the flour.
my vision is to sell my product to every town in my country and also feed many Kenyans within reach and i know that with the support of zidisha lenders my dreams will come true.
thanks alot zidisha platform as you fund me on my second loan.

Purchase of land to reduce rent cost for my green house

Thank you very much zidisha lending community for funding my previous loan.It has gone along way in improving my business my life and that of others around me.I managed to pay a deposit of $40 for an incubator and have done research on the proper green house to buy for my vegetable production business plan.My earnings have increased form around $60 to around $100 since i increased inventory for my chicken farm.
I am very grateful since my wife and i are about to get a baby so this has come in the right time to ensure that our child has a bright future.
Thank you very much and God bless you.