dear lenders , i hope all is well to all of you. happy xmas and new year which is approachingwith me am okey fine and well doing . am enjoying my holiday here in nakuru town in nakuru county. my business is doing well this season without any problem.may you have a worderful x mas.i wish you were near, i would invite you to our nyama choma lunch. roasted meat which is very sweat. GOD BLESS YOU ALL
to all who trusted me with their hard earned cash, am very grateful, i was able to add more inventory to my chemist shop
it has provided a source of self employment to my dear wife who just completed her studies as a nurse as she awaits to be absorbed into the national health system.
she is greatly benefiting from the family investment
Dear lenders,am very happy for your funds.The funds you have lend unto me have helped me a lot . I have managed to buy text book for class 7 and class 8.i decided to major with this two classes first, the the next loan i will buy the text books for the lest of classes. I have bought 30 text books which have helped the pupils a lot.The pupils are able to have access of text books which they never had and 3 pupils are sharing one text book. There before one book was been shared between four pupils.Lenders that is a impressive start and God bless you very much. I encourage you to continue with that spirit and you are changing many lives.i wish you a happy holiday .Enjoy it,thanks.
Hi johnhudson,
Thank you very much for your kind comments and for the support you have given me.I have actually already bought the seedlings, prepared the land where i have been planting the seedlings before i break for Christmas.Hope that when i return after Christmas the seedlings will have germinated and almost for trans-planting.I am wishing you and your family a Happy Christmas and happy new year.Long live johnhudson.
to all my esteemed lenders
may you and your families have a very blessed Christmas season as well as the happiest and successful new year. your continued life changing acts will never be forgotten, thank you all.
dear lenders
i wish you all the happiest Christmas holiday of all times. i have to report this December has been filled by increased proceeds since people have and are increasingly purchasing clothes in preparation for the festive season. my sales has increased by 34% since January this year. thank you be blessed.
Henry Kanyora
Dec 21, 2014
Kiratina, Kenya
dear lenders
i would like to wish you the happiest Christmas holiday along with your families. my business has been great and i have purchased enough stock (books, pencils, pens, files, exercise books and text books )in preparation for the back to school January season. i than you for your continued support. may God bless you all.
inancing a business has been one of the most challenging objectives that has to be met, but with Zidisha i was able to borrow without many preconditions like securities,
I was able to buy polythene bags at wholesale price and also increased the variety of refreshments that have seen my margin go up and hence able to boost the morale.
i have been able to pay fees for my siblings as i have been able to make good extra earnings.
I thank the zidisha team for the good work
Wow!!! Thanks very much to Zidisha you people have enabled me to secure a spacious business room for more computers. Looking forward to a blooming business now. Thanks to Zidisha.
I completed my degree course and am super excited...THE MONEY EARNED FROM MY BUSINESS ASSISTED TOWARDS MEETING MY EDUCATION REQUIREMENTS...THANK YOU ZIDISHA.
Julius Nduta
Dec 20, 2014
Maili Kumi Center Near Prayer Center Church, Kenya
Hi Ronald,right now am using industrial fertilizer reason being at the moment i dont have enough cows to produce manure for my 3 acre piece of land but i plan to do so in future.if you have some advice i will be glad for it will be helpful to me and the community around me.Thank you so much for your concern may God bless you.
Thank you so much lenders for funding my loan. This will go a long way in boosting my business. I received the money yesterday and my heart was overjoyed, i am now ready for the shoot next week.
I am planning to move to a bigger space due to rapid business expansion. There is a next-door neighbor who has decided to retire at the end of this year and I am hoping to take up his space as part of my business-expansion plans. I need more cash to undertake this transition. For this reason, I have decided to use my savings to clear this loan so that I can take a bigger one to enable me acquire the new place.
Time is of the essence, hence the decision to clear the loan sooner because I am afraid the space will be taken by another investor if I don't act fast.
I managed to purchase a new faster machine Pentium 4, 1gb rum, the computer has brought changed in that customers want to use the machine, and that the computer can accommodate complicated and heavy software. thus it has increased my earnings by 6% , i am saving my earning to purchase new machines to join in the pool of the new machine, so as customers can have a variety of computer to browse on. last week my son was baptised. my neighborhood has very closed up people who only join other in time of community activities.
On this occasion, allow me to say a big thank accepted the funders and zidisha. It had been much help to the turnaround and growth of our business. Had at one time there funders and zidisha team who came to Indonesia we would be very pleased if taking the time to visit our efforts in South Sulawesi. In January 2015 we plan to develop to increase production in view of the market demand is quite high, so we will submit a proposal again to need more funds to assist in the construction of a new mushroom house and the cost of making mushroom growing media. Thank you very much
Thanks for the support of Zidisha, my business has been growing. Your loan facility was timely. I was able to buy materials for my typesetting business. This has also increased my income level and I know with your help I will be able to grow the business. Thank you all.
i have already sold all of the first purchase and made a profit of 1300ksh. 500ksh i repaid my loan . bought a big hen which was eaten on jamuhuri day celebrations for 600ksh. the remaining 200ksh is in my capital. thanks alot
hae guys. dont know what to say. but God is good all the time. i purchased earphones , laptop and phone casings. keyboards and replaced a broken display window glass.infact those little things i used to broker from other shops am selling them at my own counter now. big salute to zidisha family. thanks big
Hi to the entire family at Zidisha..., i have just received my loan disbursement. I am but so happy . words alone cant even describe my gratitude. all i will say is that i am so grateful for such kind gesture. i am going for my inventory right away. From today onwards , i will be able to serve more people in my community. it is said that close to creating a life is to help save one and as i am in the health sector ,i am so happy that through my little effort i am been able to help and contribute towards providing health care in my community and country at large.....I am young and my dream is to be able to reach out to more people in the near future by opening more shops and branches nationwide and later continent wide. however, i see myself learning my small beginnings. To all the lenders on this platform and to those that lent to me in particular, i want to say thank u and i am very grateful. however, you are staring at one of the greatest social entrepreneur to evolve from Africa in the near future . starting point was yesterday but today, your help and loan has giving me grounds to dream big. thank you and God bless you so much.Ones again, i have receive the loan that all of you lenders funded for me......
Hey Edward, I see you received your loan today - just in time for Christmas, eh? :) I'm glad, and hope that things work out well for you. No, not hope - I KNOW things will work out well for you. Go make it happen.
Dear lenders, i am so happy, thrilled and well I have no words. You have funded my loan within a day, I still don't believe this. Thank you, thank you, thank you. God bless you all. I promise to repay the loan in time as I have always done. I wish you all a merry merry xmas and a happy new year. May God grant you all the desires of your heart. Thank you Zidisha - you are great and keep up the good work.
the business is growing steadily day by day having increased my stock from 10 rabbits to 20 within a short period.Again i must say thank you lenders for this worthy course.
Hello jane! Let me assure you that you are at the right place. in my life, I have never me human beings with such kindness as I have seen here at zindisha. Am sure you wish shall be fulfilled in time so that you can invest the funds and repay back in time. All the best.
I would like to take this opportunity to thank you for trusting me with your money. I have managed to improve the stoke of goods in my shop by introducing varieties of goods. This is slowly attracting more customer to my shop as well as boosting my income. If things continues this way i can surely predict a brighter future for my business, and my family. Please continue with the same spirit.
God bless you!
Hi guys thank you for the loan i secured from you.It has pushed me a step further.I was able to install a drip system for my farm which cut my labor expense by half from $43.76 to$25.68 and also increased production from my crops due to continuous supply water .
Thank you so much the Zidisha Team. I am elated to have fully paid the third loan today. This has been enabled by the sustainable rates that you give us. Increased earnings from the investment has continued helping me with my farming and BPO processes. I have also gone back to school for my PhD in Project Management. I am contributing positively to my poor neighborhood as a beacon of hope and a motivator to the young generation. I have been able to hold informal sessions with the youths where we discuss various matters of life and how they can positively channel their energy. Finding Zidisha was one of my engagements in the past few years. May you keep the good work up!!! I will be filling in a form for the fourth loan once the last installment for this one has been credited.
I’m Peter, an intern with Zidisha currently working in Indonesia. This month I made a trip to Surabaya, East Java, to visit our borrowers. Surabaya is a city of over 2.5 million people, but thankfully it’s much easier to navigate than Jakarta. While I was there I got to meet Rachmat Ismail (he goes by “Ismail”), who is one of Zidisha’s earliest clients in Surabaya. He found us independently through online research, and soon began recommending Zidisha to his friends after his own positive experience.
Ismail lives with his relatives in a traditional Indonesian semi-enclosed neighborhood (“kampung”) in the Petemon area of Surabaya. For the past year, Ismail has been working as a dental technician. For seven years before this, however, he worked as a photocopy machine technician, gaining valuable experience that allowed him to start a side business as a photocopy machine salesman and repairman. Ismail used Zidisha loans to support this business, and even named his shop after Zidisha!
Ismail is shopping for a new location for his photocopy machine business – one that is closer to his home than the previous space. Although his shop is currently closed, he continues to service and sell photocopy machines on his own – sometimes even delivering machines to other cities in Java. Like many Indonesians, Ismail also helps with a family enterprise. He and his mother run a shop out of their house that supplies the neighborhood with snacks, water, toiletries, and other daily goods. Neighbors stroll by throughout the day, stopping at the door to make purchases. It’s much easier to visit a neighbor than to venture out of the kampung in search of a grocery store. The income from this business is supporting Ismail’s mother, and also helping Ismail save money in anticipation of reopening his photocopy machine shop.
Visiting Ismail’s family was a great experience. While eating snacks generously provided by his mother, we watched Indonesian soap operas and talked about his business and experience with Zidisha. Ismail is very knowledgeable about Zidisha, and gives his time as a Volunteer Mentor to help other borrowers use the service and recruit responsible new borrowers. He is a wonderful resource for the borrowers around him, and a model Zidisha client.
Below are some pictures of Ismail's home business:
Siaka, I'm very glad there was a solution. I certainly hope that your life goes more smoothly from this point on. Hoping all is well for you and your family, Jim Vandegriff
Helps a lot, Wiredfox! I will reduce the Mpesa float and invest the difference in new phones.
I have been asked for some phone models for too long now. The nearby EPZ ( a Wal-Mart garment making supplier) has over 2,000 employees at any given time. Since the EPZ pay is poor, most workers come join straight once they leave their parents households ( mostly after high school). Once they have enough households and belongings to sustain an independent life( bed mattress, a phone, some clothes, cooking utensils ) and some pocket money they abandon their per-piece-rate jobs and go in search of better jobs elsewhere. Therefore, there is an endless new crop of employees (customers) each time. The EPZ will always recruit some few new employees on every Monday ( to replace those who have left in past week ). I know this because i prepare most of their tax IDs (a pre-requisite for formal employment here itax.kra.go.ke/KRA-Portal/ ) for KES 200 each.
Especially January, I expect some 500 or so new faces to join Mazeras township. Most people would return, after Christmas holiday in their ancestral rural homes, with a renewed ambition for better jobs. Some may meet some long time friends over the holidays and return to totally different towns where the same friend would support them to secure a better job there.
It's the pursuit of happiness. No onewill rest till they achieve it.
Dear Zidisha Members
I thank GOD for giving me idea to overcome my problem in my village. I was too discourage when people in my village exceptionally my uncle hate me because I did not give him chance to control my business. I thing and I’m sure that there is not a problem without solution.
I started to work with 3 women with my 2 wives making 5 women before my problem with my uncle started hating me for nothing. Being g in this situation, I decide to stop the 3 women left me with my 2 wives go on with my business. The 3 women have suffering for money business to put their children in the school. Now they run to my uncle apology him and ask him to order me to continue with my job so that they will continue their job getting money to put their children in the school. My uncle was too discouraged in from of these women and tells me: let them continue their job all the problem is finish. That is how I overcome to my problem.
Since the day that my uncle decided that the women should continue their job, I decided to repair the house for ATTIEKE. I started to repair it but the own lesson I got is that I should not trust to anybody in this world.
Yours SIAKA for ever……..
dear lenders,its my grate pleasure to wish all of you merry christmas and a very beautiful new year.am okey with my family, and the loan you gave me has boosted my business with a very big impact.my retail shop has grown big with so many customers. am serving almost 300 customers per day.its grate to me that my business is doing so well.i hope to start anew project which is dairy farming.i hope this will do good since i have already started. thanks so much
Beth Njau
Dec 22, 2014
Nakuru, Kenya
Farming
dear lenders , i hope all is well to all of you. happy xmas and new year which is approachingwith me am okey fine and well doing . am enjoying my holiday here in nakuru town in nakuru county. my business is doing well this season without any problem.may you have a worderful x mas.i wish you were near, i would invite you to our nyama choma lunch. roasted meat which is very sweat. GOD BLESS YOU ALL
Richard Boakye
Dec 22, 2014
Biadan Berekum, Ghana
Fish and meat for my cold store
Its Monday morning! Working hard. I love business
Solomon Omare
Dec 22, 2014
Chogoria, Kenya
Labour for my farm
to all who trusted me with their hard earned cash, am very grateful, i was able to add more inventory to my chemist shop
it has provided a source of self employment to my dear wife who just completed her studies as a nurse as she awaits to be absorbed into the national health system.
she is greatly benefiting from the family investment
Peter Karanja
Dec 22, 2014
Kimende Bathi Village, Kenya
To build a new classroom which is permanent
Dear lenders,am very happy for your funds.The funds you have lend unto me have helped me a lot . I have managed to buy text book for class 7 and class 8.i decided to major with this two classes first, the the next loan i will buy the text books for the lest of classes. I have bought 30 text books which have helped the pupils a lot.The pupils are able to have access of text books which they never had and 3 pupils are sharing one text book. There before one book was been shared between four pupils.Lenders that is a impressive start and God bless you very much. I encourage you to continue with that spirit and you are changing many lives.i wish you a happy holiday .Enjoy it,thanks.
Jane Wanjira
Dec 22, 2014
Kiti Estate, Kenya
Buying a deepfreezer
Merry chrismass lenders!!!! Thank you for the support you give us to see our lives better and our businesses grow.
Williams Ansu
Dec 21, 2014
Berekum, Ghana
Establishing new laboratory centre in a remote village
I need to establish a new Laboratory Centre at village
Earnest Makau
Dec 21, 2014
Nairobi, Kenya
Buy new incubator
these are my two weeks old chicks waiting to be sold
Earnest Makau
Dec 21, 2014
Nairobi, Kenya
Buy new incubator
Thank you Holly Laird.you can have a look of my business my lenders.
Cynthia Kareithi
Dec 21, 2014
Wendiga Estate,mweiga Town,nyeri County, Kenya
Seedlings for red-pepper,tomatoes and capsicum & goggetes
Hi johnhudson,
Thank you very much for your kind comments and for the support you have given me.I have actually already bought the seedlings, prepared the land where i have been planting the seedlings before i break for Christmas.Hope that when i return after Christmas the seedlings will have germinated and almost for trans-planting.I am wishing you and your family a Happy Christmas and happy new year.Long live johnhudson.
Elizabeth Kanyora
Dec 21, 2014
Free Area, Kenya
Purchase garments/materials for making clothes
to all my esteemed lenders
may you and your families have a very blessed Christmas season as well as the happiest and successful new year. your continued life changing acts will never be forgotten, thank you all.
Bernad Kemboy
Dec 21, 2014
Free Area Nakuru, Kenya
Being a back to school season, half of the money will be used to buy school uniforms as my additional stock comprising of;pairs of trousers, shirts & dresses . the rest will buy two bales of clothes.
dear lenders
i wish you all the happiest Christmas holiday of all times. i have to report this December has been filled by increased proceeds since people have and are increasingly purchasing clothes in preparation for the festive season. my sales has increased by 34% since January this year. thank you be blessed.
Henry Kanyora
Dec 21, 2014
Kiratina, Kenya
dear lenders
i would like to wish you the happiest Christmas holiday along with your families. my business has been great and i have purchased enough stock (books, pencils, pens, files, exercise books and text books )in preparation for the back to school January season. i than you for your continued support. may God bless you all.
Joseph Kariuki
Dec 21, 2014
Miti Mingi, Kenya
Fabrics for my tailor shop
Thank you all lenders because you have really changed my life in a way i did not believe before.
Victor Kanyingi
Dec 20, 2014
Kahawa Sukari, Kenya
Mpesa shop, soft drinks and refreshments
inancing a business has been one of the most challenging objectives that has to be met, but with Zidisha i was able to borrow without many preconditions like securities,
I was able to buy polythene bags at wholesale price and also increased the variety of refreshments that have seen my margin go up and hence able to boost the morale.
i have been able to pay fees for my siblings as i have been able to make good extra earnings.
I thank the zidisha team for the good work
Everline Kanaga
Dec 20, 2014
Nakuru, Kenya
Larger space for cybercafe
Wow!!! Thanks very much to Zidisha you people have enabled me to secure a spacious business room for more computers. Looking forward to a blooming business now. Thanks to Zidisha.
Wairimu Gathii
Dec 20, 2014
Nakuru Rhonda Estate, Kenya
Acquiring food items for my cereals retail outlet
I completed my degree course and am super excited...THE MONEY EARNED FROM MY BUSINESS ASSISTED TOWARDS MEETING MY EDUCATION REQUIREMENTS...THANK YOU ZIDISHA.
Julius Nduta
Dec 20, 2014
Maili Kumi Center Near Prayer Center Church, Kenya
Loan for new stock of mobile-phone accessories
today i replaced the scleen of an ipad.it was challenging but i did it
Aan Kurniadi
Dec 19, 2014
Teluk Kuantan, Indonesia
Adding inventory for mobile phone business
ini proses pembuatan pondasi buat konter baru saya nanti....
semoga berhasil
Leonard Cheruiyot
Dec 19, 2014
Nakuru, Kenya
Expand barbershop and potato farm
Hi Ronald,right now am using industrial fertilizer reason being at the moment i dont have enough cows to produce manure for my 3 acre piece of land but i plan to do so in future.if you have some advice i will be glad for it will be helpful to me and the community around me.Thank you so much for your concern may God bless you.
Yvonne Nyakio
Dec 19, 2014
Nairobi, Kenya
New tapes and camera hire to shoot a wedding
Thank you so much lenders for funding my loan. This will go a long way in boosting my business. I received the money yesterday and my heart was overjoyed, i am now ready for the shoot next week.
Esther Wanjiru
Dec 19, 2014
Mombasa, Kenya
Inventory of environmentally friendly cooking fuel
I am planning to move to a bigger space due to rapid business expansion. There is a next-door neighbor who has decided to retire at the end of this year and I am hoping to take up his space as part of my business-expansion plans. I need more cash to undertake this transition. For this reason, I have decided to use my savings to clear this loan so that I can take a bigger one to enable me acquire the new place.
Time is of the essence, hence the decision to clear the loan sooner because I am afraid the space will be taken by another investor if I don't act fast.
Humphrey Kuria
Dec 18, 2014
Gakobu Village, Kenya
Project final phase upgrade
photos of the new machine, and me in the cyber
Humphrey Kuria
Dec 18, 2014
Gakobu Village, Kenya
Project final phase upgrade
I managed to purchase a new faster machine Pentium 4, 1gb rum, the computer has brought changed in that customers want to use the machine, and that the computer can accommodate complicated and heavy software. thus it has increased my earnings by 6% , i am saving my earning to purchase new machines to join in the pool of the new machine, so as customers can have a variety of computer to browse on. last week my son was baptised. my neighborhood has very closed up people who only join other in time of community activities.
Mardiana Madeali
Dec 18, 2014
Sungguminasa, Gowa, Indonesia
Development of oyster mushroom cultivation
On this occasion, allow me to say a big thank accepted the funders and zidisha. It had been much help to the turnaround and growth of our business. Had at one time there funders and zidisha team who came to Indonesia we would be very pleased if taking the time to visit our efforts in South Sulawesi. In January 2015 we plan to develop to increase production in view of the market demand is quite high, so we will submit a proposal again to need more funds to assist in the construction of a new mushroom house and the cost of making mushroom growing media. Thank you very much
Daniel Kpodovia
Dec 18, 2014
Sunyani, Ghana
Used laptops/computers for data processing and sales centre
Thanks for the support of Zidisha, my business has been growing. Your loan facility was timely. I was able to buy materials for my typesetting business. This has also increased my income level and I know with your help I will be able to grow the business. Thank you all.
Michael Kinyanjui
Dec 18, 2014
Langa-langa Estate, Kenya
Inventory of more phones and laptops in my shop
i have already sold all of the first purchase and made a profit of 1300ksh. 500ksh i repaid my loan . bought a big hen which was eaten on jamuhuri day celebrations for 600ksh. the remaining 200ksh is in my capital. thanks alot
Michael Kinyanjui
Dec 18, 2014
Langa-langa Estate, Kenya
Inventory of more phones and laptops in my shop
hae guys. dont know what to say. but God is good all the time. i purchased earphones , laptop and phone casings. keyboards and replaced a broken display window glass.infact those little things i used to broker from other shops am selling them at my own counter now. big salute to zidisha family. thanks big
Ndeye Seck
Dec 18, 2014
Diourbel, Senegal
Raising cattle
merci encore une fois les prêteurs c'est grâce a vous que je puisse obtenir mon champion de rêve voir il est mignon
Edward Marfo
Dec 18, 2014
Abura Dunkwa C/r, Ghana
Mini-pharmacy for my community
Hi to the entire family at Zidisha..., i have just received my loan disbursement. I am but so happy . words alone cant even describe my gratitude. all i will say is that i am so grateful for such kind gesture. i am going for my inventory right away. From today onwards , i will be able to serve more people in my community. it is said that close to creating a life is to help save one and as i am in the health sector ,i am so happy that through my little effort i am been able to help and contribute towards providing health care in my community and country at large.....I am young and my dream is to be able to reach out to more people in the near future by opening more shops and branches nationwide and later continent wide. however, i see myself learning my small beginnings. To all the lenders on this platform and to those that lent to me in particular, i want to say thank u and i am very grateful. however, you are staring at one of the greatest social entrepreneur to evolve from Africa in the near future . starting point was yesterday but today, your help and loan has giving me grounds to dream big. thank you and God bless you so much.Ones again, i have receive the loan that all of you lenders funded for me......
swendl
Dec 17, 2014
Iowa, United States
Mini-pharmacy for my community
Hey Edward, I see you received your loan today - just in time for Christmas, eh? :) I'm glad, and hope that things work out well for you. No, not hope - I KNOW things will work out well for you. Go make it happen.
Merry Christmas,
Steve
Joshua Ageta
Dec 17, 2014
Kisii County, Kenya
House roofing (timbers and iron sheets)
Hi lender.
I did attend a wedding on 6th Dec and attached find a photo taken by the Camera i bought from the loan received.
Thanks for the smile.
Regards Joshua
Judith Chidzugwe
Dec 17, 2014
Mtwapa, Kenya
Sale of bedsheets
Dear lenders, i am so happy, thrilled and well I have no words. You have funded my loan within a day, I still don't believe this. Thank you, thank you, thank you. God bless you all. I promise to repay the loan in time as I have always done. I wish you all a merry merry xmas and a happy new year. May God grant you all the desires of your heart. Thank you Zidisha - you are great and keep up the good work.
Joggele
Dec 17, 2014
Austria, Austria
Expand barbershop and potato farm
Hi Leonhard,
do you use organic fertilizer from your cow or industrial fertilizers?
All the best
Ronald
Moses Gitau
Dec 16, 2014
Eldoret, Kenya
Rabbit farming
the business is growing steadily day by day having increased my stock from 10 rabbits to 20 within a short period.Again i must say thank you lenders for this worthy course.
Antony Muraga
Dec 16, 2014
Nairobi Umoja Estate, Kenya
Add stock for my clothes shop
Hello jane! Let me assure you that you are at the right place. in my life, I have never me human beings with such kindness as I have seen here at zindisha. Am sure you wish shall be fulfilled in time so that you can invest the funds and repay back in time. All the best.
Paul Mutie
Dec 16, 2014
Kasarani, Nairobi, Kenya, Kenya
Residential house construction
Dear Lenders,
I would like to take this opportunity to thank you for trusting me with your money. I have managed to improve the stoke of goods in my shop by introducing varieties of goods. This is slowly attracting more customer to my shop as well as boosting my income. If things continues this way i can surely predict a brighter future for my business, and my family. Please continue with the same spirit.
God bless you!
Kind regards,
Paul Mutie
Francisca Mibey
Dec 16, 2014
Nakuru,mwariki, Sewage, Kenya
Buying indegenous chickens for re-sell during christmas
my kids mellisa and spencer
Daniel Chege
Dec 16, 2014
Muthithi, Kenya
Seeds, fertilizer,fungicides and pestcides for my farm
New capsicum plants have not yet installed a complete drip system.
Daniel Chege
Dec 16, 2014
Muthithi, Kenya
Seeds, fertilizer,fungicides and pestcides for my farm
Hi guys thank you for the loan i secured from you.It has pushed me a step further.I was able to install a drip system for my farm which cut my labor expense by half from $43.76 to$25.68 and also increased production from my crops due to continuous supply water .
Joseph Mugo
Dec 16, 2014
Nakuru, Kenya
Purchase of training projector
Thank you so much the Zidisha Team. I am elated to have fully paid the third loan today. This has been enabled by the sustainable rates that you give us. Increased earnings from the investment has continued helping me with my farming and BPO processes. I have also gone back to school for my PhD in Project Management. I am contributing positively to my poor neighborhood as a beacon of hope and a motivator to the young generation. I have been able to hold informal sessions with the youths where we discuss various matters of life and how they can positively channel their energy. Finding Zidisha was one of my engagements in the past few years. May you keep the good work up!!! I will be filling in a form for the fourth loan once the last installment for this one has been credited.
Awudu Yahaya
Dec 16, 2014
Berekum, Ghana
New building and computers & UPS back-up, for my training centre
Thanks for your support! :)
Peter Gray
Dec 15, 2014
United States
Help mother buy stock merchandise
A neighbor stops by to shop during the evening. Ismail is helping her:
Peter Gray
Dec 15, 2014
United States
Help mother buy stock merchandise
Here is a view of the corridor where Ismail's family lives, and a view of his home business from the outside:
Samuel Shehi
Dec 15, 2014
Mazeras, Kenya, Kenya
Deposit for farmland purchase
Happy Holidays!!!
Peter Gray
Dec 15, 2014
United States
Help mother buy stock merchandise
Dear Lenders,
I’m Peter, an intern with Zidisha currently working in Indonesia. This month I made a trip to Surabaya, East Java, to visit our borrowers. Surabaya is a city of over 2.5 million people, but thankfully it’s much easier to navigate than Jakarta. While I was there I got to meet Rachmat Ismail (he goes by “Ismail”), who is one of Zidisha’s earliest clients in Surabaya. He found us independently through online research, and soon began recommending Zidisha to his friends after his own positive experience.
Ismail lives with his relatives in a traditional Indonesian semi-enclosed neighborhood (“kampung”) in the Petemon area of Surabaya. For the past year, Ismail has been working as a dental technician. For seven years before this, however, he worked as a photocopy machine technician, gaining valuable experience that allowed him to start a side business as a photocopy machine salesman and repairman. Ismail used Zidisha loans to support this business, and even named his shop after Zidisha!
Ismail is shopping for a new location for his photocopy machine business – one that is closer to his home than the previous space. Although his shop is currently closed, he continues to service and sell photocopy machines on his own – sometimes even delivering machines to other cities in Java. Like many Indonesians, Ismail also helps with a family enterprise. He and his mother run a shop out of their house that supplies the neighborhood with snacks, water, toiletries, and other daily goods. Neighbors stroll by throughout the day, stopping at the door to make purchases. It’s much easier to visit a neighbor than to venture out of the kampung in search of a grocery store. The income from this business is supporting Ismail’s mother, and also helping Ismail save money in anticipation of reopening his photocopy machine shop.
Visiting Ismail’s family was a great experience. While eating snacks generously provided by his mother, we watched Indonesian soap operas and talked about his business and experience with Zidisha. Ismail is very knowledgeable about Zidisha, and gives his time as a Volunteer Mentor to help other borrowers use the service and recruit responsible new borrowers. He is a wonderful resource for the borrowers around him, and a model Zidisha client.
Below are some pictures of Ismail's home business:
Pius Ojiem
Dec 15, 2014
Nairobi, Kenya
Buying a photocopy machine for computer repair business
with my students
JimVandegriff
Dec 15, 2014
Trinidad, California, United States
Build a new compound for my cassava business
Siaka, I'm very glad there was a solution. I certainly hope that your life goes more smoothly from this point on. Hoping all is well for you and your family, Jim Vandegriff
Samuel Shehi
Dec 15, 2014
Mazeras, Kenya, Kenya
Deposit for farmland purchase
Helps a lot, Wiredfox! I will reduce the Mpesa float and invest the difference in new phones.
I have been asked for some phone models for too long now. The nearby EPZ ( a Wal-Mart garment making supplier) has over 2,000 employees at any given time. Since the EPZ pay is poor, most workers come join straight once they leave their parents households ( mostly after high school). Once they have enough households and belongings to sustain an independent life( bed mattress, a phone, some clothes, cooking utensils ) and some pocket money they abandon their per-piece-rate jobs and go in search of better jobs elsewhere. Therefore, there is an endless new crop of employees (customers) each time. The EPZ will always recruit some few new employees on every Monday ( to replace those who have left in past week ). I know this because i prepare most of their tax IDs (a pre-requisite for formal employment here itax.kra.go.ke/KRA-Portal/ ) for KES 200 each.
Especially January, I expect some 500 or so new faces to join Mazeras township. Most people would return, after Christmas holiday in their ancestral rural homes, with a renewed ambition for better jobs. Some may meet some long time friends over the holidays and return to totally different towns where the same friend would support them to secure a better job there.
It's the pursuit of happiness. No onewill rest till they achieve it.
Shehi.
Siaka Traore
Dec 15, 2014
Banfora, Burkina Faso
Build a new compound for my cassava business
Dear Zidisha Members
I thank GOD for giving me idea to overcome my problem in my village. I was too discourage when people in my village exceptionally my uncle hate me because I did not give him chance to control my business. I thing and I’m sure that there is not a problem without solution.
I started to work with 3 women with my 2 wives making 5 women before my problem with my uncle started hating me for nothing. Being g in this situation, I decide to stop the 3 women left me with my 2 wives go on with my business. The 3 women have suffering for money business to put their children in the school. Now they run to my uncle apology him and ask him to order me to continue with my job so that they will continue their job getting money to put their children in the school. My uncle was too discouraged in from of these women and tells me: let them continue their job all the problem is finish. That is how I overcome to my problem.
Since the day that my uncle decided that the women should continue their job, I decided to repair the house for ATTIEKE. I started to repair it but the own lesson I got is that I should not trust to anybody in this world.
Yours SIAKA for ever……..
Silas Magoi
Dec 15, 2014
Morop, Kenya
Dairy farming
dear lenders,its my grate pleasure to wish all of you merry christmas and a very beautiful new year.am okey with my family, and the loan you gave me has boosted my business with a very big impact.my retail shop has grown big with so many customers. am serving almost 300 customers per day.its grate to me that my business is doing so well.i hope to start anew project which is dairy farming.i hope this will do good since i have already started. thanks so much