Jan 4, 2015
Kahawa Wendani, Kenya
Good morning. i purchased stationary and maps to aid me in my training of scouts n since school are opening on fifth January i am optimistic that my business in scouting will be a success as it will impact well on student scouts and make me known for a great training .I will be able to get new schools and train them on scouting and this will increase my earnings tremendously. T,his year my son will join school kindergarten and i am looking forward to the task ahead. During the holidays here in our country and neighborhood, we make merry by gathering as family and friends while sharing drinks food,singing and dancing. We love fun and are welcoming people. thank you for giving me this loan as it has broaden my mind and make my business a profitable one in the coming days.
Here is the chair I bought for our business.
Louis Oki Agina
I am greatful for what Zidisha has improved in my business. I had little faith in online crowdfunding but I am now evidence that such things exist and ACTUALLY work!
I am in a position to pay a higher instalment amount. I want to repay my loan in the shortest time possible with as much ease as possible.
Happy new year to my awsome lenders.
Jan 3, 2015
I am very glad since you understood me when i was facing too much rains that i could not access the market.Now the problem is over and am able to transport my tomatoes and vegetables to the market,some of my customers too are now able to reach me.Now am able to generate enough income to help me repay my loan as am planning to buy a water pump if in very future you reloan me again.
Thank so much.
Sido Virginie Millogo
Bobo Dioulasso, Burkina Faso
je vend des pagnes bazin cousure voici photo d'un bazin que j'ai cousure pour vendre ça marche un peu merci pour m'aider à evoluer un peu
Gakobu Village, Kenya
i managed to purchase a CPU Pentium 4, a much more faster machine that the rest that i have, the new machine has become everybody's favorite machine as customers take little time doing their staff, the earning have increased a little bit by 10%, the increased earning i am saving so a to purchase new more machine to speed up customer service and time usage. last holiday Dec 25 we spend time with my parent at rural village. the neighborhood to our place have people are closed up and only meet during communal events.
Zidisha has not only helped me access affordable credit, but also it has given me a lot of hopes of achieving my dreams. with the first loan i received from zidisha, i was able to purchase paint for my rental housing project. i managed to purchase black paint for my window panes, white paint which i used to paint my lintel, and i also bought grey paint that i used to paint my doors.
Now my houses look beautiful and my tenants are happy and i am happy as well because i can see that my project is now starting to take shape. My plans is to build some more rental houses so that i can be able to increase my earnings, i am also happy because zidisha loan has helped me make my houses more habitable and this has made my tenants to have more confidence in me.
The earnings that i get from this project helps me to be able to educate my children. i also use some of this earnings to purchase more construction materials so that i can build some more houses. This dream is quickly becoming a success story because of zidisha loans.
Jan 2, 2015
Siritanyi Village Bungoma, Kenya
Just want to say thank you to my lenders.I received the loan on my phone today and have bought an initial 100 A4 sheets of photograph paper.I have a wedding to photograph tomorrow.3rd of Jan,and hope it will recoup some of the money to reinvest and eventually enable a higher repayment of the loan.
Happy new year guys and i hope you have all cerebrated well in your respective country as we have done here in Kenya. We are now in the year 2015 we thank God our maker for enabling us to have reached this far. I want to take this opportunity now to thanks the community for the year ended 2014 for your effort in making the world a better place , thanks alot for your effort. As for my part the printer is doing a graet job especially this festive seasons it has really helped me thanks to you guys, im even conteplating in buying a bigger camera now with large zoom so that im able to capture clear image in along distance.
Jan 1, 2015
Thank you so much Jo Dane i am happy that you believe in my idea because with cold freshly made juices people will avoid taking carbonated drinks which are harmful to health its also my little way of trying to instill a culture of taking fruits in my society and it will go a long way to refresh them and also boost their health and i know in my own little way i will be helping some people protect their health and also earn a living thank you so much Jo Dane am very grateful may our creator, bless you.
Kiti Estate, Kenya
This is a photo of my new dairyshop.
Teluk Kuantan, Indonesia
This small family me ...
very happy to have a small child and being funny-funny ..
Kahawa West, Kenya
The funds helped me to irrigate and gardening, the tomatoes are doing extremely well and by this mid January they will ready for harvesting,i have a ready market because right now the demand for tomatoes is very high and supply is very low.I know if all goes well i will reap very good profit, My wife is always happy with zidisha because we had tried to get money to no avail, Our life will change,I would like to thanks Zidisha organization for giving me this chance to better our life.I thanks my lenders for their contribution and i will never let them down.Thanks to Zidisha.
Dec 31, 2014
As of Today i received the Loan requested in full, Many Thanks for your support starting tomorrow i will begin the purcharse of my Maize Stock.
Have a blessed New Year
Kanja, Embu, Kenya
Happy New Year to all my lenders. You made my 2014 a beautiful year and brought great hope.
The photoshop helps me make sharper images and helps me create colorful splatter using their dress code.You wouldnt believe but these girls are one womans daughters,and one father.A lovely family who were all flowergirls at their sisters wedding.Photo used with consent of the family.
This is a sample i have been allowed to use,it was a wedding and she was a flowergirl.I edit out the background and make it as appealing as i can for the client.
Emmanuel Agyapong Boakye
I sincerely give thanks to all Lenders for your successful contribution towards my loan funding. What you have done has really shock me!! . I am going to surprise you with my repayment. God bless you all abundantly and have a happy and prosperous new year!!!
Happy new yearto all my lenders! My lenders I am really grateful for what you have done for me, may God richly bless you all for giving me this loan, I can not explain what this loan has done for, because this loan has really put change in my fashion work.
Edmond Barasa Khisa
Dec 30, 2014
Previously life was a little complicated as far as wealth and development re concerned. To those who were born from poor families, they had had highest chances of remaining poor as the saying the rich continue to pile more while the poor continue to be more poor. With introduction of these financial means of funding like zidish, life has dramatically changed. Some of the people from poor backgrounds like us with big minds can now easily access money and exploit their capabilities turning them into reality. Looking forward to continue working with zidisha.
I was anlysing my living standard before and after being introduced to you, actually there has emerged a very big difference.this is because i now own eg a poshomill although it is very far from where im based for IT business. (That is way back home) but its doing fine under my parents supervision and they have so far not disappointed me in it. This, i couldnt be having without your previous loan. My other Cyber project although it failed due to strategic position, but i still have the resources i was to use thus i was forced to take them back home and buy time to search for a better place, fortunately ive found the best place ever of my choice which i have already paid for a three months rent being Ksh 20,000 per month. That is ive paid Ksh 60,000 rent. I have almost all things i need for a start which i had bought from part of previous zidisha loan which i also spent in my current business which is doing extremeny well(Thnks to zidisha). the only part remining now is the photocopier which costs Ksh 60,000. The shop is to be vaceted in the next two weeks by the County Government of Kilifi, Kenya in Mtwapa. With Zidisha help for me to get Ksh 40,0000, ill be able to top up the Ksh 20,000 from my business earnings to purchase this.It is one of the major central core of this business thus i must be having it. Thank you as i look forward to working with you Zidisha. God bless.
My free range poultry farm is doing well, I have managed to grow my stock from an initial of 4 hens and 1 cock to about 37 although the majority are cock.
Am currently constructing more chicken coop since the are increasing in number at a relatively fast rate and majorly to avoid pecking in over crowded areas.
Once in a while I sell the large cocks to avoid in breeding and of course i need the money to purchase chicken feed.
My son enjoys this poultry venture more than anyone else, I believe, because every time we go to see them, he never sits down, he`s always outside running round trying to catch them.
All this would not have been possible without your help zidisha, thank you very much.
Hope the pictures will tell more.
Hello Lenders, this is to inform you on how the last loan impacted my life; I used the funds to expand my stock of handbags. This came as a result of the coming in of new clients and the demand being higher than the supply I had. In addition, through the loan, I was able to cultivate good relationships with a supplier who I look forward to working with in the long term.
With time, it has become necessary for me to delegate deliveries of handbags to a lady so I could focus on generating new leads and constant supply.
I am happy that I am on the journey to financial independence:)
Dec 29, 2014
Some of my photoshop work, a menu for a new hotel in Bungoma town.
Iten Kaptoo Village, Kenya
The Christmas was fine and possibly hope that the coming year 2015 will be alright.
Dec 28, 2014
These are some of the teak
Athens, Ohio, United States
I am writing to let you know I am back in Dakar for a few weeks for the holidays. I had the chance to stop by to visit Ameth last week to see the progress of his business. Ameth took his first loan with Zidisha in March 2014 and he is currently on his second loan. He lives in the Dakar neighborhood of Mermoz with his older brother Moussa, and his younger sister is currently pursuing her studies at the university.
Ameth works from home, where he raises chickens on the third floor of his house to sell. He purchases them from when they are very young and raises them until they are 45 days old. He then sells them to local clients for 2,500 XOF to 3,000 XOF ($5-$6) gaining a small profit. Since my last visit Ameth has made tremendous progress in the growth of his activities. He installed cages in one of the rooms in order to increase the number of chickens he can raise at once. Now he is able to raise up to 50 chicks in the same room he has his older chickens. He plans eventually to install an automated water tank so he won't have to fill the water twice a day.
Not only has Zidisha helped reinforce Ameth's activities, it has given him the ability to make plans on how he will continue to expand. He has already purchased several quails, from which when he plans to sell the eggs. He explained each quail will lay at least one egg daily, which he will be able to sell in order to boost his revenue. Not only the quails will boost his profit but Ameth has also recently purchased a freezer. With the freezer he will be able to store his chickens which are ready until he has clients. This will decrease the chance of losing the chickens. Another development is that Ameth has commenced to sell 50 chickens a month to a restaurant caterer. Ameth hopes to continue to expand his activities to include other local restuarants.
Even though the commencing loans have been small, this has not limited Ameth's potential to envision the future of his business. Ameth and I spent discussing what the future could hold for his activities. He spoke of land he has in Thioraye, just a little outside Dakar. He said one day his production is large enough to be able to relocate there. He also spoke of his vision to produce mayonnaise or other similar commercial products for local consumption.
Ameth not only has chickens and quails but he has two dogs as well. His two dogs he raised and trained by himself live on his rooftop terrace. They respond to his commands in Wolof. Ameth's forward-thinking and positive attitude is evident when he talks about his prospects for the future. I am glad I had a chance to stop by to visit, and I look forward to seeing his progress when I am in Dakar again!
Below is a photo with more members of the extended family:
My family and I had a wonderful Christmas with our extended family in the countryside - I have uploaded a few photos of the dairy goat project.
Attached is a group photo with the extended family.
This one got a kid.
I appreciate the assistance you have given me this far.
Below are a few photos from my business.
I want to thank all my lenders.I just finished paying my first Zidisha loan and it made such a difference in boosting my photoshop and photography business.I have managed to save toward purchasing a new digital camera and even managed to stock my shop from the proceeds of the photography work that had increased because of longer days you made possible for me to hire the cameras for my work.Again Happy holidays and i wish you all the best in the new year.Kids are not yet back to school but i have been having a busy time taking photographs and not only repaying the loan but restocking my business.I look forward to doing more business with you.On Christmas day i made close to 150$!!!! Thanks again
May I take this opportunity to sincerely thank you for your friendly gesture, by accepting to lend me. The money did a great job. By coincidence, when I received the money, after two days my welding machine broke down. The secondary windings and the cooling fan windings melted! The machine was rendered useless. If it were not for the loan today I could be telling a very sad story.
The good news is: I only raised a few extra dollars plus the loan the money was enough to hire a specialist to carry out repairs immediately. After four days of waiting anxiously one morning the technician surprised me at my shop with the machine ready for use! It was a well done job.
The machine is doing a good job. Once again thank you.
In the picture the replaced windings can be seen in white color while the new fan is shiny. I love my trade and with sufficient capital I will make it. Blessings to you all.
Happy holiday season!! I'd like to inform you that my family and I are well, we enjoyed this festive season spending that much needed quality family time together and we thank God for good health. I trust that you and your families are well too as u await to usher in the new year.
The last loan I took from Zidisha, which I have fully paid back, was ksh. 38,800 (approximately $435) towards my goat rearing and selling business. That money enabled me to expand my goat pen to accommodate my growing stock. The cost of construction is broken down as follows: Timber 200ft @ ksh 49 ($0.5) X 200= ksh 9800 ($110), 20 iron sheets @ ksh 600 ( $6.7) X 20= ksh 12,000 ($134) , Labour cost was ksh 10,000 ($112), the balance of $79 I added to my profit from sale of previously existing stock to cater for transport cost, nails, extra water tank to harvest rain water for the goats.
I'd like to thank you all for supporting my business and upgrading my living standards and that of my son through Zidisha loan. I hope you will continue to support me in my next loan application.
Hello Zidisha and Lenders,
l am glad for what you have done for me. l needed money to improve my business and no one wanted to give me but a friend invited me to join Zidisha and now l have seen Changes.Below you will see pictures of my business.
This is the machine which I use for typing purposes....
Dec 27, 2014
sincerely I would like to thank the Zidisha team for their entire support. The loan has ever enabled me to purchase high quality materials for making sofa sets. Apart from that, the amount of timber has been increased and there has been ease in making the furniture.
The purchase has been a milestone as my profits have increased compared to the recent times and I can comfortably pay my employees daily or weekly.
My neighborhood is a place to be with a scenery of beautiful trees and vegetation with a good landscape suitable for living
Kasarani Santon, Kenya
I once again thank all my lenders for the generosity they have shown me, God bless you all for your Kindness. The loan has helped me alot, because i was able to increase my stock from what i had previously and now i am able to make some more profit.
Technology has actually made this world a better place to be. As long as you are technologically literate, one with an extra mind can do exploits to earn a living even without being employed. as long as the mind is sharp. Getting access to unique funding microfinance Zidisha is one of them. Due to technology, we are able to borrow, invest, repay it back on time. This has made the world actually into a global village. I love this.with this financial lending organization, a serious individual wont afford losing it or its trust. I really congradulate Zidisha for its heart. Long live Zidisha, to help the entire world's innovative minds.
This is me in the shamba as you can see my carrots are doing very well.
Ophelia Amponsah Dankwah
My work place
samples of production
During the mushroom compost preparation
Dec 26, 2014
Kakamega City Amalemba Village, Kenya
I take this kind opportunity to say thanks to my lenders of the previous loan.Through the amount,i was able to increase my horticultural (kales) production leading to increased profits.I met 60% of the demand compared to the previous 20%. I was able to provide only two meals(breakfast and supper) for my family but now my family gets three meals in a day due to increment of my profits .Thanks to Zidisha.Am looking forward to cooperate with zidisha in order to continue benefiting from their online lending.Thanks zidisha and all partners.Live long
hi lenders,am gretful to the loan i got.this being my second loan has really helped.i have enrolled in the university studying for a degree.thenks to you my long time dream is becoming realistic.the first loan enabled me to expand my hardware business.its doing quite well.am in the university and all is going well.i just did end of semester exams and we are on holiday break resuming january 2015.no words can express how i feel but am gretful to u all
Kevin Njoroge Mumo
My project of selling (mandazis) is doing well infact i have managed to raise a profit of 500ksh per day and managed to save some money,
i have like 15000ksh on my account i would request to expand and make it a milk bar where i can add other stuffs like milk,yoghurt,sour milk also known as (maziwa lala) in our language ,omlettes and our traditional food for breakfast like cassava,arrowroots etc.
please kindly grant mi another loan of 15000ksh to fulfill that goal
thank you in advance.
Dec 25, 2014
That there are people out there that are concious of other people's financial struggles is heart moving.. The 50 dollars i received has raised my business by this exted. When I see these faces of lenders I not only see a lender but a builder of destinies. Thank you so much. You help me access funds where my local banks cannot. You are my heroes. This is philanthropic. I see myself growing and going far because of you despite my very difficult background. So blessed people all you are. MERRY CHRISTMAS AND HAPPY NEW YEAR 2015.
TO ALL LENDERS lenders
The Blessings of Peace
The Beauty of Hope
The Spirit of Love
The Comfort of Faith
May this day bring you health and success. May you and your family experience God’s loving embrace.
May these be your gifts this Christmas Season
Merry Christmas to all!
Richard Amissah Duodu
Fabrice,thanks for your complement. Its my dream that I do all within my capacity to develop these geographically disadvantaged ones. By His grace and the strong team zidisha,I hope we will make it. Thanks a lot for being part of my just funded loan.merry Christmas to all my lenders.
Dec 24, 2014
Nakuru,kaptembwa Slums, Kenya
Dear Lenders, I want to thank you so much for being of support, the loan you granted me was really helpful and especially this season, I have been working so hard and fulling the needs of my customers, you can even see how quick i have paid the loan, this is because the market was wonderful, i am really thankful and my life as a single mother of 4 children i can now put food on my table without a big husle, once again, thank you soo much
Kenya is one of the third world Countries that is growing very first on Information Technology Matters and that makes us the future Generation of Digital Kenya In the world Market, thus we have to prepare ourselves to meet this criteria. Being innovative in IT Business in such Country, one will be on the central core in meeting the Society Demands on this type of service and also create Job opportunities for skilled youths who may be looking for Jobs or Job experience after Training. People with this type of Innovativeness will actually need finance to put such in practice.That makes me give thanks to Zidisha. It has actually coincided with me as you are digital oriented in your system of working.This makes it easier for someone of my type to acquire financial backup and also being self-controlled in paying back the loan basing on the fact that you have entrusted someone you have never come across thus need to appreciate that!
As you help us build ourselves out here and build our nation, we Wish you all Merry Christmas and Happy Prosperous New Year 2015.God Bless Zidisha.
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