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Branding of my kenyan music album

Thanks a lot for funding my loan request at such a record speed! I really appreciate. Here is an image of the Master Copy of the album. Now I am on to the branding work and I'll let you know how it goes.

Tea and dairy farming

Dwayne, my son

Tea and dairy farming

First and foremost, thank you lenders for your contributions in my previous loan. You really made a difference. The extra one bag of fertilizer I bought at 2000 KES was necessary to increase my tea yield. The extra 2300 KES was also helpful. Before I paid my tea workers a month after they plucked tea because I had to wait to get be paid by KTDA. This was a great limitation because workers would refuse to pluck in subsequent plucking season until they receive their pay. I reversed that and I now pay them on time.

Project completion

Dear Lenders,

I was fortunate to get to visit Gabriel this past week at his home in Abeka.

Gabriel has been curious about electronics since he was very young, explaining, “When I see an electronic thing, I want to see the brain behind it.” And in this way, he “destroyed a lot of [his] father’s electronics.” But rather than being angry with his son’s affinity for taking things apart, Gabriel’s father was encouraging and supportive of his inquisitive nature.

Now in his final year at Ghana Technology University College, Gabriel studies Telecom Engineering and works part time repairing computers to support himself. In their last year, students must complete a final project in addition to their classwork. Gabriel focused his project on a problem that he saw throughout his university career: underequipped facilities in school.

University education is valued highly in Ghana, but Gabriel explains that the funding and facilities of education institutions often cannot match the demand. And students can become frustrated with overcrowded classrooms and competition for resources - Gabriel has seen many of his classmates skipping class altogether. So his project seeks to incorporate facial recognition and rfid technologies to encourage class attendance and participation.

Zidisha loans have allowed him to fund his project on time without worrying about sacrificing valuable class time to work extra hours. His first loan funded a research questionnaire while the second allowed him to order parts. They hadn’t arrived by the time of my visit, but I hope to go back again to get to see the project in action!

When he graduates, Gabriel hopes to be able to improve upon his final project and produce it at scale, offering it to schools across the country. In addition, he would like to start his own company installing fiber optic cables.

Gabriel is very grateful for the opportunities afforded to him by Zidisha lenders and I’m very excited to see his final project and what he accomplishes after graduation!

Taylor Hanna
Ghana Ambassador
Zidisha

Small small

Dear Lenders,

I got to meet up with Benjamin this past week! He happened to be near where I was staying when we got in- touch, so we sat down for a bit to chat before heading over to his shop in Osu.

Benjamin grew up in Takoradi, on the coast. But when his father died and mother lost their home and most of their belongings, he and his five siblings were split up and he was sent to live with his aunties in the small village of Dominase. He’s spent his life working hard, first helping his family with farm work and then working at a hotel bar to save money for school. He still supports his younger brother and takes responsibility for keeping him on the right track.

Now in Accra he stays very busy: He is going to school studying medical laboratory science, he buys and sells computer accessories (when I met him, he was picking up a stock of portable batteries – a necessity in Ghana where electricity is often unreliable), and he sells tools and general goods on a street-side shop in Osu, in front of his uncle’s house.

Although it hasn’t always been easy, Benjamin’s energy, assertiveness, and natural competitiveness has kept him looking forward. And he has quite a few ideas for the future. He just finished repaying his first Zidisha loan and hopes to use future loans to help grow his uncle’s shop in Osu and build up around it. (I have to say – he’s starting with a great location right off busy Oxford Street and shaded by a beautiful tree.) And he’d also like to revive the family tradition of making and selling drums, which fell dormant after the death of his father.

Not one to forget his past, he is dedicated to giving back to his community and helping the village where he grew up and Komenda, where his mother is from. Many of the children in the villages are not in school, so Benjamin would like to help the young people attain an education as well as trade skills such as carpentry and sewing. Naturally generous, he is nicknamed the Godfather in his hometown due to his giving nature.
It was so wonderful to get to meet Ben and see his shop this past week. We are very excited to see what he has in store for us in the future and hope I get to see him again in Accra!

Taylor
Ghana Ambassador
Zidisha

My daughter's school fees for form two

I take this opportunity to thank you zidisha for the loan I took and used to plant grass for feeding my cattle. I am not struggling to look for feeds since the pasture has boosted the food stuff. I have enough time to look after my animals, the milk production has gone high.
The achievement I have gained to the family is that I managed to take my kid to college and others did their final examinations who are yet to join studies for the next level. Here at the coast during the Christmas holiday people cerebrate very extraordinary, they bring discos to the village and christians organise for camp meetings for the kids, for instance I have posted the picture of pathfinder group camp where my kids participated. Also have a look of me planting grass at the farm I prepared by the money I borrowed from you.
Thank you very much (Asante sana)

Inventory of school texts for bookshop

First let me say thank you, second through your funding I have not only done business but its been a daily learning process. Before I applied for my first loan for rabbit farming, I did lot of research on this type of farming and I was ready to start off. I got everything I needed and all was well until I got a challenge with weather conditions and I decided to switch off to banana and vegetables farming. Am getting maximum results because the weather has been very favorable.Am now preparing for another season for the vegetables.
I learn everyday and the experience I get is amazing.Thank you for making this possible.

Poultry farming

this is one of the cages in a side view

Poultry farming

these are some of the local bread of chicken inside their cages as they feed....

Best pics - opening a photo studio loan

I just joined Zidisha the other day and I quickly put up a proposal to buy camera lenses since my business deals in photography. It was not long to be given the loan and I can say that I bought the lenses. (See the photo attached)
The quality of my photos are now high compared to the ones I used to take earlier before buying the new ones.
Everything just happened very fast, immediately I bought the lenses I just got a photography job for a birthday party. I was amazed to see the quality of my pics. My clients were satisfied beyond their expectation and this has made them to refer their friend who is wedding this Saturday to me and I will be the official photographer.
Thanks to Zidisha for enabling me get photography jobs. Now my clients can refer their friends to BEST PIC PHOTOGRAPHY and without doubt my business is growing.

Increasing my float account thus increase in commission,

Hi to all my lenders I have finally acquired my new POS (Point of Sale terminal) The picture is attached

Buy second hands ladies shoes and children shoes to sell

thanks lenders for being with me by supporting me and made things easier for me actually this second loan has helped me so much,first l was able to bring shoes and made shoe my customer get their orders on time this has helped me because the shoes were available ,l was able to pay my bills,school fees for my child and my living standard improved from the profits l got l made good use of them lam also happy to inform you that l started rearing chicken because l wanted to diversify my business lam working smart and that's why l was able to pay my loan with ease
thanks zidisha team and lenders as well for your support
lam hoping for the best and looking forward for your support once again when l made my third loan

Reams of copy paper for my stationery supply business

Dear Sir,
I am honored to be one of the recipients of the Zidisha loan. Thanks to your generous support. I am the first in my family to venture into business.
Growing up in a less privileged community has not only offered financial and academic challenges, but has also helped me realize the value of being a businessman.
I hope to be able to serve in as a business mentor sometime in the future, where I might have even more of an ability to help less fortunate and under-represented social groups. My endeavors pursuits would not be possible without generous support from Zidisha loan sponsors like you. Thank you for enabling this opportunity!
I promise you that I will never let you down in repayment. I will work as hard as possible.
Thanks a lot.
God bless you.

To replenish my stock of computer accessories in my workshop

To my dear Lenders:
The loan i have just completed paying was used for the intended purpose as [er the application then. After selling the wares purchased with the loan, the proceeds helped me run my business more smoothly by buying more computer accessories and selling them. I also managed to pay school fees for my daughter easily and to cap it all i pulled up resources and bought a photocopier which the photo i have uploaded.

I do believe you will keep on giving me your support so that we can grow together.
Thank you.

Fund to Purchase Laptop

Dear Lenders

Thanks a lot for funding my business. For the last one year you have supported me in my business and I have seen a lot of growth. The previous loan assisted me to grow my business and enabled me to pursue my academic goals by enrolling for masters course. As I apply for another loan, am very optimistic that you will continue to fund me for with you the sky is the limit. I will be sending photos to show my progress.

Terrian academy project

Thanks for sharing the photo!

Loan to buy Epson l220 photo-printer

Just a sample of a poster i did for my first son who was born on 10th October 2013. His mother was ecstatic. This kind of background work may seem corny to others especially in developed countries but down here the ability to do this places me way above my competition.I am really looking forward to buying a printer soon so that i can set up my own studio and make the shillings roll in.

Blowdrier for my barber shop

More of me at my shop counter.its not that full but i am on my way.I want to add the barber and womens salon and boost my earnings and savings. Dont mind about whats advertised on the wall,i dont have memory cards but i am looking forward to stocking them.However i do charge mobile phones in this part of the village.

First phase of cast and fountain website design

I was happy selling my first piece of work for Ksh. 13,000. I target to sell 5 pieces by the end of next month. The next Zidisha loan will help me to purchase more materials needed to make fountain and cast stone products such as cement, sand, gravel and cast stone molds. I aim to produce good work such as the photos I have attached below.

Blowdrier for my barber shop

Thanks everyone.I have attached photos of my shop below.My stock increased and i managed to pay for the ceaserian section i had while delivering Baby Amani (Amani is Swahili for Peace).In the photos i am carrying Amani while outside the shop i am carrying my first son Baby Baraka,who is excited with the arrival of his brother.Outside the shop you can see some of my remaining produce for the day,i.e fresh tomatoes and onions.I managed to produce enough potatoes on my farm while planting cassava,the proceeds gave me enough profit to stock my shop with tomatoes,onions and even soap,candy,buns and airtime credit.Thanks everyone,hoping for a better 2015.Amani was born at midnight on 31st December,so i started the year with a wonderful blast of a bundle....

Increase inventory for my school uniform business to support my charity school

All the children in school uniform including orphans and other vulnerable children at the centre,thanks to Zidisha,you are transforming lives.

Buy more computers for my cyber cafe

Again I say thank you to you lenders for the loan you gave me. I have purchased the lamination machine and photocopy papers. The purchase of the machine has changed my business by increasing the income by 15% of the money i was getting per day. The increased money I will use it to buy more laminating films and pay school fees for my sisters and brothers.

SK

Buying of green tea leaves

1) Thanks a lot the the farmers will get immediate cash to buy household items since to some farmers tea is the only source of income and instead of selling to company and wait for monthly pay and yet they lack something to eat they decide to sell the tea leaves get cash on the spot.
2) I intend to get a profit of kshs 8per kilogram when we multiply by 525 kilograms i intend to buy per month then profit per month is equivalent to kshs 4200 and the i repay kshs 500 per week which is equal to kshs 2000 per month which means i still remain with net profit of kshs 2200. Thanks for your consideration and i am looking forward for your help.

Buy a vacuum sublimation machine

Am so happy thanks to zidisha and the lenders.
I did buy my printer and now am a happy businessman and employer. I must say a new printer is awesome, printing is easy customers are enjoying our services. Thank you so much, now i can work in my strawberry field the whole day without any calls that the printer is faulty. My friends now can see the impact of zidisha and now they are joining Zidisha organization.

Loan to buy high quality seeds of Canaries F1

I was a little bird but the quality is pretty good so I want cultivated walnut F1

Mobile phone investment

First of all is to thank the whole of zidisha family for the support they have given me in ensuring that i prosper.
With the loan that i secured,i managed to get a work permit in order to be recognised as a legal movie vendor by the government ,on securing it i have seen the workflow increase thus making more customers within the short period of time.
My profit has since grown from one strength to another with an increase from 15 copies per week(15 copies x 50 ksh= 750ksh) to 50 copies( 50 copies x 50 ksh = 2500ksh)- purchasing of rewritable dvd spindle at 600ksh the profit = 1900,i am looking forward to increasing the sales as i invest further with zidisha.
With the profit i have managed to raise i am planning to invest in buying and selling of memory sticks and also headphones which are a good catch to the locals here.
As i am preparing for my son to start school in the next two years ,i have managed to secure him an educational plan in form of an insurance premium that will foresee him go to a good school and without any financial strain,for i know that good education is the best i can give to him as a dad.
Since my place is situated at a strategic place, it has become a haven for the kids due to animated movies and cartoons,also an advantage for the elderly due to inspirational movies and without leaving the teenage behind for series and full movies.

To rent a shop for my jewelry business

Dear Lenders,

I met Juliet, with her infectious smile and energy, at a restaurant near Achimota station last weekend to talk about her experiences with Zidisha. Juliet is currently pursuing a Bachelor’s of Science degree in Business Administration in at the Kwame Nkrumah University of Science and Technology (KNUST), Accra Centre, attending classes every other weekend. When not in school, she works full time as an accounts and administration officer and supports her younger siblings and retired father.

It’s hard, she explains, working and studying and caring for her family, but she looks forward to graduation and dreams of starting her own enterprise. What sort of business? I ask. She grins. “I have many ideas.”

Education is valued highly in Ghana and university is a dream for many. However, tuition and fees must be paid upfront every semester and funding options for students are limited. Without much access to scholarships and financial aid, students who cannot rely on their parents’ help must come up with the funds on their own. And of those whose families may be able to help, many are self-employed or employed informally, making it difficult to reliably save up for a lump sum at the beginning of the semester.

Zidisha loans have enabled Juliet to support her family without stress as well as pay her university fees to pursue her education. She has enjoyed great success so far and hopes that lenders will continue to support her through her degree and into her entrepreneurial career. Additionally, she has been inspired to apply as a Volunteer Mentor to help introduce other borrowers to the platform, explaining, “Not everyone has had the opportunity to meet Zidisha and that saddens my heart.”

It was such a treat to meet Juliet, the kind of person whose presence and energy brightens a room. Zidisha and you, her dedicated lenders, have allowed Juliet to pursue her education and she is so grateful for your continued support! I very much hope I get the chance to meet her again but in the meantime, we wish her the best of luck with her impending third semester!

Taylor Hanna
Ghana Ambassador
Zidisha

Inventory for poultry feed and veterinary services

Dear Lenders,

I had the pleasure of visiting Nelson’s home last week in Madina, a quiet suburb in northern Accra. Nelson has been a Zidisha borrower since May of 2014 and was eager to meet me when I reached out to him – he had been helping a friend with her application just the other night and quickly arranged a group of entrepreneurial and interested prospective borrowers.

It was the low interest rate that drew Nelson to the Zidisha platform initially but he is especially impressed with sincerity of the organization – that Zidisha and its lenders are truly committed to helping borrowers and treating them with respect, a refreshing departure from the reality of many alternative options for loans and funding. The flexibility and understanding of lenders has enabled him to weather difficulties and grow his business.

After our meeting, I asked if he could recommend a restaurant nearby. But rather than send me off on my own, Nelson and Gina accompanied me to one of their favorite lunch spots to try a “real Ghanaian meal” of a light starter soup, okro stew with crab, and banku. Banku is a thick dough made from corn and cassava and originating from Nelson’s home in the Volta. Although I was unable to eat the meal with anything resembling grace, it was delicious and definitely not my last encounter with banku.

Nelson was actually the first Zidisha borrower I met in Ghana, for which I am so grateful. He is passionate about the organization’s mission and the opportunities it provides. And, already having helped friends apply, propose loans, and navigate the Zidisha website, I am very excited to say that he is working through the application to be a Volunteer Mentor! I have the utmost confidence that his presence at Zidisha will be incredibly beneficial and I know that he appreciates your continued support. I was unable to visit his business last week, as it is located in a different region of the city, but I hope to pop in for a visit soon!

Taylor
Ghana Ambassador
Zidisha Team

Blowdrier for my barber shop

Thank you so much for believing in me Family Mueller!! Here are photos of my baby born at midnight of the new year Baby Amani (Amani means Peace)

Blowdrier for my barber shop

Wow,lenders i thank you for the first loan you gave me.It helped me a great deal.My farm is full of shoots and my produce shop is full of tomatoes,potatoes and cassava.I gave birth to a baby boy and the proceeds of the farm that i put in the shop gave me a boost in my profits at just the right time.It was expensive to give birth by caeserian operation and had it not been for investing in my farm produce and shop i wouldnt have had the money to pay for the birth.I am now planning to rent more space and to widen the produce i sell.You have made a mark in my life and i am glad you took it to lend me the money you did.I am now very independent and have even saved enough money to take further computer classes so that i can also diversify into more computer work in my business.I bought a computer CPU and i am looking forward to saving to buy a monitor and a printer.Thank you everyone.

Loan to purchase a greenhouse

Hi Markus and all lenders, we did the overhaul and it was successful. am glad to report that the car is at work, looking forward to this sunday when i start repaying the loan. Good day to all.

Build a new compound for my cassava business

Dear members
I’m so happy to give you this message. Dear lenders it is so good to help poor men. You are making what God like. My parents told me that it is better to teach somebody to fish than to give him fish. With you lenders, you are learning me how to success to my life because without money we can’t do nothing for development.
Dear lenders, I’m so glad to inform you that I celebrated the ceremony of my new house and the `attieke’ house the last 30th December 2014. In that way please pray GOD for me because I fear my enemy. I spend one hundred cfa for the ceremony to buy ram, rice and drink. The ceremony was very interesting and I was very surprise to see all the old men of my village. My uncle who gave me troubles in my life was also present.
I thank all ZIDISHA for the good job they are doing in this world. My life has changed by ZIDISHA. I missed words to thank you. I don’t forget also to thank the first person who was also the first Peace Corps volunteer in my village.
Happy new year to you ZIDISHA. God give us what we need and also good health.

Buy tents and leather sets for shoe-shining business

At work

To buy some cereals for my store

this my alternative crop from last season where by i had planted the french beans.
i expect to harvest this maize toward the end of feb.

Tuition for my university degree education

Thanks to Zidisha my semester education is secured, I have some pocket money to start the next semester and some remains to make early repayments. Thank you for helping me through my education. Now that's me on campus, finish paying my tuition fees and now I'm all set for the next semester education.....

Second-hand clothes bales for resale

Halo family,
Thank you very much my lenders for believing and trusting me with your money. I received my loan yesterday after i accepted the bids and that was pretty fast. I am humbly honored and feel appreciated coming from a remote area in Kenya. Thanks to you my family can enjoy farming including my 22 months baby. Before my husband was farming only coffee among other businesses but since I upgraded the kitchen garden everyone wants to be part of either pumping water, harvesting for sale veggies or feeding the chicken.
We are so exited now that another chicken coop is being constructed more work for all with higher benefits. Hmm! ,thank you my lenders for believing in me. I promise by the grace of God all will run smoothly and i will not disappoint.
Happy new year,stay safe and blessed.

Brush fire protection for my orange farm

My orange farm

To build a new classroom which is permanent

Dear lenders,first and formost i would like to thank you for funding my loan .I have paid the loan fully.lenders your money had been utilized well. I have managed to buy 30 textbooks for Magina preparatory school.I had bought text book for class 7 and 8 which i focused most .The exciting and encouraging thing is that one book is been shared between two pupils,that is encouraging to pupils, parents and me.Since the journey of hundred miles start with one step , am seeing my goal been fulfilled.I had been impressed .On my side my children have benefited from that they can have access of textbooks.I been the founder of my school i have seen pupils have improved on their performance and i had admitting more pupils this year.The community is really benefiting having their children been given text books at school and the text book are pricey most of the parents can't afford.Once again, i thank you very much for your great effort.

Purchase school stationery for educational supplies business

Thanks Regina for your congrats. This world has enough opportunities for each one of us to do something that can put a smile on someones face. After all are we not from the same cradle? Today am in town shopping for the paper and ink.Here in Kenya Public Schools open on Monday 19th following the end of the Teachers` Strike. Thanks and long happy life.

Buying stock of wood logs to split using a chainsaw to prepare for resale

Thank you Mr Dennis Furr for sharing your cherish memories with me. Also I would like to thank you once more for your highly concern and great care for this Saw on how it could be harmful. Am handling this Saw with a great care as it is the best quality kit and can be harmful too.Am passionate with this job as it's profitable. I have to ware safety equipments; Gloves, gumboots, safety hearing, eye protector and overall before operating because it is noisy and can be dangerous when carelessly handled and thank you for keeping on reminding me and God bless you a lot.

Computer accessories

I serviced my machines now am enjoying good service, its true never allow dust on the machines. Powered by Zidisha.

Computer accessories

I serviced my machines now am enjoying good service, its true never allow dust on the machines. Powered by Zidisha.

Harvesting and transportation of carrots in city market

I thank God for what He has done for me the year 2015. Thank you to all my lenders, i thank God for you. I cant believe have managed to deliver orders to my clients almost double what i used to in a week. Live long my lenders

Upgrading of my computers

Zidisha is changing my life for since I bought a new laser jet printer, my daily earnings have improved significantly and am really grateful. Before I got the loan from Zidisha, I had a single printer and in case it broke down, I could lose a lot of money but now I got two printers and my services are really good as evident from my customers remarks. Thank you Zidisha. God bless all the people involved.

Buy school stationery

The first loan came around Christmas season and it enabled me to buy items that move very fast during the period. I made good profit from the business and it has helped start the new year on the right footing. Thank you lenders and keep up the good work you are doing.

Flight to participate in Haitian cultural theater

I took Part in the Hackaton of Telenovela on september 2014 in my school , ESIH. It was about building a a web apps in tree for for a telenovela for Haiti, about deforestation.

School fees for my son

I would like to thank you for the money you gave me. i bought a new monitor as i had requested and now my students are learning without squeezing. The purchase of the new monitor has really helped me because i have gotten more students and am even planning to start building at home in the rural area in the month of April because my earnings have increased. thank you so much for your support and i believe you will continue supporting me.

Purchase of a printer and printing materials

these are some of the photos of my business with one of my employees working

Purchase of a printer and printing materials

my last loans were of great help to my business. i managed to expand my business, move into an ideal locality and get more people to work with. zidisha has been the backbone to the growth of my business and all i can say to my lenders is may God richly bless you as you continue helping young entrepreneurs achieve their dream.

Inventory of laptops for my computer hardware store

I joined Zidisha exactly one year ago and I have benefited from two loans so far. This credit has catapulted my business to levels I would not have imagined. My profit has increased drastically and I can now afford a better life for my young family.

As part of my social responsibility, I have trained over 15 students from poor backgrounds in ICT. Hopefully, the number will keep growing and the beneficiaries will improve their lives and have a good multiplier effect in the society. With the friendly terms that Zidisha gives, I can confidently say that the sky is the limit.