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To assist in paying my fees

Some necklaces I made for sale


Milk bar

Dear lenders thank you for your support thro zidisha lending. My business has increase its sales and has made it easy for my clients to access the products easily.

Stock of children's shoes for a fashion shop

Thank you so much lenders for the first loan you gave me. Zidisha loan was very timely- my shop had a few items at a time when the demand was so high in December. The loan helped me increase the stock of children wear and I appreciate the support.
Right now I am planning to introduce shoes within the same shop.

Increase stock & security for my mobile-phone business

I take this opportunity to inform you that I have gladly received a loan kes 19,147.
I will buy more stock including phone housing, cheap regular phones and USB data cables.
I thank you so much for offering me this loan,this will enable me expand and give my family a better life from the expected higher profits to be accrued from the business.

Inventory to add farming materials

Thank you so much lenders, This Loan I will Buy Fertilizer for Top dressing maize crops. this will cost me 100 dollars. This will improve and increase production of my 2 acre farm that I have planted this season. Thank and be blessed.

Bar/restaurant license and start selling both food & drinks

Hello Lender/Zidisha,
This is the front view of my counter. It is evident it has variety of both hard and soft drinks. You have played a great role in stocking these by funding my previous loans. Please continue funding my current and future loans to make it even better. Beside the counter again as you can see there is a fridge. This serves the customers who like cold drinks. Welcome for both warm and cold drinks.
John Mariga.

Bar/restaurant license and start selling both food & drinks

Hi Lenders & All Well Wishers,
These are other customers also enjoying their drinks. As you can see, they are very happy and this shows that they like the pub since they are handled with a lot of respect. They mean a lot to us since we have to rely on them to realize any sort of income. Long live our Customers, long live Zidisha Team and long live Lenders.
John Mariga.

Laptop, screens, and screen-separation machines

Lenders I'm happy for your generosity in funding my business. This digitizer and lcd separator machine is of much benefits because I have managed to get other technicians who come to my business to have their gadgets fixed.This has increased my profit and looking forward to add one or two soon to ease my workload.
Thanks a lot.

Buy computers for my cyber cafe business

Hi, My appreciations to you all. The printer that I purchased with your loan has brought a positive change into my daily operations. Currently I am able to serve customers promptly and this has led to more customers visiting my place because there are no delays. With increased customer base I have seen my revenue margins grow. Thank you very much.


Additional of bulky oral drugs to my chemist

To my worthy lenders,I am Thanking you all the lenders for your effort in funding my loan.I received the Zidisha loan and invested it by buying more medicines for my chemist.I am now able to serve my customers with the affordable medicines against malaria and the Cholera diseases.Thank you once again for the support.
Joyce Kerubo.

Stocking Phones from China

thanks lenders for funding my second loan i managed to increase my inventory and currently iam geting more customers than before. my profits have gone up and i have managed to send back my two brothers back to school .iam very greatful hope you will continue supporting me as i apply my 3rd loan

Mobile phones, school fees & home improvements

Hello dear lenders, am so grateful as I accept the loan that you have funded me. The loan will help me purchase more stock for my business that is I will purchase cell phone power banks and handsets, I will be able to raise my
income by the profits and also pay back the loan on time. To you lenders thank you for your kind and generous lending, my two invites have also received their loans and surely you are changing lives of many.

Loan to buy deep freezer for my store

thanks be to lenders for their support all this while. i have been able to expand my provision store and now enjoying better sales each day. thank be to zidisha and lenders.

Pay for my college education

Hi Roy,
The money helped me buy binding and lamination equipment thereby increasing my clientele and with that more revenue of course.

Computers to start an IT training center

hi lenders the money you loaned to me has made a difference in my sisters' education fee at St. Peter's. this is due to profit increase in my business, thank you zidisha members. at this moment , i lack nothing in my business, i have enough goods and services to cater for my customers hence more profit generation. i salute you zidisha lenders. long live

Purchase of chairs for pupils

With help of Zidisha, pupils come for classes even when there is light out. Though the generator could not take all the computers at a time but we are still managing hoping to to buy a bigger on later. Everything is moving on well with us by the grace of God. Thank You Lenders and the entire Zidisha team

Help keep my daughter in class

I received the money very promptly. I got to purchase the equipment and did the replacement. It gives a lot of peace of mind when driving to know that the engine is safe! That was fast and GREAT!!!!!

Thanks a million for the support!
:-) Feeling peaceful and happy!!

Tricycle to convey farm produce to the central market

Thank you lenders for giving me the opportunity once again to bright many others lives. I have recieved the loan and the water pump would be bought over the weekend and also be transported to the village also during the weekend. Would give further details and keep updating you always.

Hp computer and router for cyber cafe

Thank you for your financial help the loan helped tremendously,i bought a freezer which has helped preserve my milk so there has been no loses in terms of milk spoiling.My customer have not been disappointed.Actually now am comfortable paying the remaining amount fully.
thanks you.

Increase stock for my food kiosk

To my dearest zidisha lenders,
I wish to sincerely thank you for the loan I have received on 27/5/2015. The loan amounted to Ksh18,861.00. I have really boosted my stock and I am hopeful that sales will improve and I expand even further.I have been able for the first time bought items in large quantities.This directly reduces the buying price from the wholesalers. Eg a carton of cooking oil and not dozens, abale of peas and not in dozens, a bale of baking flour, abale of cooking flour,cooking fat.

Surprising,the time I received the money on my phone I had gone to purchase some of the items. I amezed my supplier when he saw me adding more stock.My wife was so existed and there was a lot of joy in the house.
Thank you very much for being there for us.I promise to work hard to repay this loan on time and apply for more
Thank you proud to be associated with you.
Moses Ichingwa Muhatia
Email, [email protected]

Loan to prepare cocoa seedlings to sell to customers

I am really appreciate the work of Zidisha lenders.with the amount($179) given to me,i was able to employed five workers who are helping me on my farm.infact,the farm has improved marginally.people always visit my farm for some enqueries.i can always spray the planted cocoa every two weeks.this is all because of the help from Zidisha lenders.infact,i cant live without these lenders.they have brought feather in my head.
whn i got the money,i gave $45 to four orphans .that money helped them to finance tuition for a semester.
Since some of the native here are mostly cocoa farmers,they have come to my aid to nurse sixty thousand cocoa seedlings for them to buy.this is becsuse,when they see what i have planted,they have grow interest in my work.
With the help from Zidisha lenders,i hope i will be able to prepare that one for them.Am nearly to finish repayment and i hope they (lenders) will help me to achieve that.
The picture there is me working in my farm. LONG LIVE LENDERS,LONG LIVE ZIDISHA!!!

Add M-Pesa service to my shop

Lenders!! you are amazing,
Your loan has really boosted my business, I bought stationery for my cyber cafe in bulk, hence bought at a reduced prices because I purchased in bulk. Thanks again. Since I received the loan no customer has gone away due to lack of a certain services. My sales has increased, I pay my rent easily without straining, internet bills, electricity bills and other minor bills are cleared easily.
My family is also grateful, my brother is going to college, and am planning to join University of degree course in Business Administration, as part time student.
Thanks again Zidisha family. Thank you and be blessed always

To buy new computers for designing and printing service

I would like to thank all the lenders very much for your funding. I have used it to buy materials for my designing work and it's helping me. May the Good Lord bless you. I have attached some of the work l have designed and printed here.

To buy popcorns cooking machine for selling popcorns

hello zidisha family, it is my great pleasure to inform you of the great success of my business through the loan I was funded, i bought a freezer for selling ice creams to university students which increased my income to twenty-two dollars per week, for instance am now the leading ice cream seller as well as popcorn supplier at the university as we as the nearby market, it is my great appreciation to the zidisha family for expanding my business as well as my income through the loan i was funded. thank you zidisha family

Farming and shoes business expansion

i used the loan money to purchase the fertilizer i needed to top dress my potatoes. the crop is doing well and am thankfull to the lenders who invested in my farming.

Buy more clothing materials and pay my masters degree fees

I want to thank all the Lenders and zidisha team for the loans you had given me. It was of very great help and lifted my life very much. I managed to open up a small branch where i employed my orphaned nephew who is in college and who i adopted to sell shirts and this is providing him with pocket money and money for books as well and i also managed to pay back my loan on time because of the profit i got. The only thing i do is to pay his college fees. Next loan if given i will buy shoes for sell and put it in the same shop and employ another orphaned nephew of mine who i also take care of and is also in college so that they help each, and he too can also get pocket money from there and books so that am left with paying fees only.

I appreciate you very much and am very grateful.


Judith Lukaka

Tea farming to boost my electrical installation business

Thank you Rembrandt for your concern and support. Because this is my main occupation, I have the time to travel and do the work. the main limitation is unavailability of capital. I am not able to purchase all components that customers ask for and I have to balance what I stock with the money I have. In most of my electrical installation projects, I am required to purchase the materials required before the customer pays. A customer may pay a percentage for commitment. Therefore, I am required to have enough money to buy these materials. If I lack that I may loose a project to a competitor. Jobs in my country are few and many pay very little that one is not able to meet basic needs. However, electrical businesses that have capital do well because there is demand, especially now that the government is supporting rural electrification. So I wouldn't say the challenge is number of customers. It appears to me that most things are pegged around money. For instance, getting some tenders reserved for the youths requires some money to show ability to service. Because as I told you earlier, I have to purchase materials before I get paid.

Storage cans for distributing milk from local dairy farmers

Hae zidisha,
I thank you sincerely for the funds you lend us because ut is through them i have managed to reach where i am. My business is progressing on well and for the last two weeks i was able to ake a profit of Ksh. 6000, which i used to pay for my sibling's fees and saved an amount of ksh. 2000. With the savings i make, i plan to add up to the next loan i will apply after repaying the current one fully so as to buy a deep freezer fpr my milk shop.

Electronics shop

Zidisha has increased my customer base,after increasing my stock of good quality double pole switches,customers are more delighted with quality of those switches and are doing the advertisement for me thus inreasing my sales volume and profit margin.Thank you zidisha.

Buying finishing machine for dressmaking

Halloo Zidisha Team, i just want to thank you once again for the loan you gave me has really boosted my business.I really needed money because this was the time i was to make African wedding attires and i did not have enough money to do that in time .But now i can smile because my customer put faith in me because i finished the dresses in time because of Zidisha loan.thank you ZIDISHA

Stock my mobile herbal clinic

Hi my lenders,thank you so far so good Iam still managing my clinic with time and am hoping to expand more I managed to drugs with the profit am making my business profit has increased with a 10% and i say thank you

Purchase bulk cereals for my food store

I want to take this opportunity to thank zidisha team for the first loan I just completed. The weighing machine equipment I bought has brought great value to my business which has recorded more than 15% more of my previous income. I want to thank zidisha for the help it has extended to growing entrepreneurs like me for the change and hope you have brought to our businesses. Thank you once again.

Purchase of sand and cement for blocks moulding

I am always excited to see my siblings in school. This was possible due to the loan I was granted by Zidisha Lenders. My blocks moulding business was successful; there was always building blocks available for people to buy. Peoples kept on building houses, as a result of this there will be always demand on my product. God bless you for making my life and that of my family beautiful.

Loan to pay tuition for my children

"Zidisha is very intriguing and simple to use. Doing transactions online and
via mobile money makes me feel
very secure. I am very eager to
work with Zidisha and spread the news about Zidisha ."Thank you the Founder and all the good people who have made this program possible.

I want a loan to buy metal chirs for my rentals

thanks for helping me to improve my business for more have help me to buy 30 new metal folding chairs.and I know you will help me to buy more for renting.thanks to my lenders.

Equipment for my fitness centre


GOD BLESS DEAR ZIDISHA TEAM AND LENDERS, the loan I received from you helped improve the business and my families a lot. And I would like to inform you how I used the loan to get profit.

My third (3rd) loan disbursed to me on Monday February 16, 2015 around 8:50pm in the amount of {$735/GHS 2,463}. On the date of February 18, 2015, I used {$715/GHS 2,431} to purchase the following items into my shop; (three 17" inches flat screen monitor, 5 Keyboards and 8/16/32GB Pen drive). Because that was the items I lacked during that time.

All the 17" inches flat screen monitor were sold on the date of February 21st and 23rd, 2015.

Four keyboards were sold on the date of February 26, 2015.

All the pen drives were completed sold on the date of February 28, 2015.

After the calculation of the items mentioned above, my profit was {$291/GHS 825} and multiplied by the capital amount of {$715/GHS 2,431}, it equivalents to {$931/GHS 3,175} within two weeks. In fact, the profit was much appreciated.

I then deducted {$55/GHS 181 from 3,175} for my first payment and the rest of the amount also used to purchase five 17" inches flat screen monitors, 7 optical mouse, 10 external hard drives case, 15 power cables and 1 box of blank/empty CD/DVD. By the Grace of God, all also took less than 3 weeks before completed the sold. After successfully sold all the items, the profit also was {$521/GHS 1,771} and multiplied by the {$876/GHS 2,992}, it also equivalents to {$1,400/GHS 4,763}. This profit also was much appreciated and continued used to ran part of the items in my shop till now. It helped without added just $1 from my pocket into it. IT HELPED ME SO MUCH.

Please, this is how I used the loan and get the profit and helped to improve my business and support the families also.
Your support is really well appreciated. Thank you so much!

Android applications development tools purchase

A snapshot of my latest project

Job: Web Site & Patient Records Management System
Client: Akshar Healthcare, Kikuyu, Kenya.
Progress: Complete.

With the aid of Zidisha.

Vehicle for delivering chicken and eggs

Hallo everyone.... My lenders and the entire Zidisha membership.... Am happy that I bought 100 chicks to expand my poultry project!

Loan to buy a heifer to add stock on my dairy animals

Am really encouraged by the previous loan from Zidisha because I was able make new products, which incidentally led to more orders. I bought paint and painting papers and canvass. I supplied the products to a local orphanage with international appeal. Visitors bought my work and I donated 10% of the sale. Am glad that through the loan, I have established a new progress front. I have been able to use the savings from my business to expand my growing horticultural farming back home. I look forward to expanding the scope of my art.
Thank you so much for all of this.

School feeding and learning materials

Hi Lenders and the zidisha team,Am realy happy for the entire zidisha for the programme has realy brought a big change in the school.Due to the good feeding programme we had last term ,we've resumed and the good news is that our porpulation has increased with almost 30 percent.I intend to clear my loan very soon with alot of ease and apply for abig one if allowed.Thanks alot.Moses

Hybrid corn seeds and fertilizer for my corn farming

It always gives so much joy to talk to you. Infact, am humbled and i appreciate from the bottom of my heart for empowering my dreams and plans for my corn business. After the purchase of fertilizer and some foliar for my corn from the loan amount you gave me,three weeks down the line i can confirm that the crop is doing amazingly well. The on time application of the fertilizer has enabled the crop to blossom and the progress is so encouraging and promises an immense harvest. I hope to25 cash on the portion of my crop in the next three weeks to some willing buyers who are in need of the crop at that stage to prepare silage for their cattle. This year i can confirm that there are all the signs and indicators that i will almost double my harvest as the crop is doing very well compared to the previous season.

I will keep you updated on every developments in my corn business.

Below are the photos of the portions of the crop.

Buy cow

Hi lenders, the investment has really turned out to be a great success for me, it has boost my source of income and changed my life greatly. That has given me a good cash flow and with that i have decided to increase further the monthly repayment. Looking forward to greater things ahead.

Increase my stock in food retail supply

Greetings to all my lenders and the zidisha fraternity.I only take the opportunity to thank you so far for the support you have been showing to the social class.Actually what i can say is that you are making all the people in the whole world equal.
helping people boost their businesses and careers is the best thing which is worthy emulating.Thank you once again

Add leather materials

I thank zidisha organization for the love they've spread everywhere through the support to entrepreneurs around the world.
It is with great pleasure I appreciate my second loan from lenders, which I used to order material for car seat covers. It enabled me to increase my sales by 30% which I later used to pay my child school fees.
Attached is the seat cover I did.
Thanks once again.

Wholesale supply of kitchenware for my shop

First iş to give thank to zidisha and to all lenders for your good work.the loan has improved my living standard in a big percentage as İ have added my stock also I have paid all my rents and also invested small amount which I will add to my second loan to improve my business

To buy refrigerator to preserve the food

I am very grateful for the previous loan because it has really assisted my business to expand and now my profit has increased by 60%. I am now supporting my husband to improve living standard of our family.

To buy small generator for my professional designing service

I used the loan you gave me to purchased new laptop to replaced the old computer l used for my designing service
and this has helped me to get more clients and my life has changed for the better.
Despite the challenges l am facing concern about unreliable power supply for my business, the business has been good and l am able to get 30% profit. I was also able to use the profits for domestic use , business and to repay my loan early.

Supplies of printing papers

Hello Lenders, I Am really grateful with the first loan that I was awarded by the Zidisha Family. with the loan i was able to introduce two other products in my business that are doing extremely well. That is khaki paper bags and the tooth picks that are used by the hotels in our region. I am excited to say that my business is growing each day!

Thank you all. Asante Sana from Kenya

Pad bags

Though I do not have variety of material, the bags are really seling. Feeling blessed to be able to afford school fees.

Add a new classroom building to our school

Thank you our dear Lenders and Zidisha, I bought 22 cements of bag and 1 trip of sand to continue laying blocks.

Thank you for supporting me and the project. May richly God bless you and anyone who didn't get a chance to contributes to my loan.