Forum > Borrower Questions > Not funding Forum Guidelines

  • Asamoah Ristor
    Asankragwa-west..., Ghana

    Dec 22, 2017

    Please lenders, I have applied for a new loan, and it has shown on my dashboard that, the funding that is the loan application has put on pending and which it is reviewing by lenders, and when it is done then it will be post for funding again. Please lenders I have not never seen this thing before, and I don't understand it please I need explanation. Thanks.


  • Volunteer Mentor
    David Yaw Kissiedu
    New Sabrepor, Ghana

    Dec 22, 2017

    I also face same


    Ifan Zico likes this.

  • Zidisha Volunteer
    dave2319
    United Kingdom

    Dec 22, 2017

    Hello Asamoah.
    We've just implemented a change so that now, larger and high-risk loans require manual approval by volunteers before appearing in the Browse Projects area for lenders to fund.

    • Volunteer Mentor
      Dian Ayu Rahmi Lail Sukarsih
      Sidoarjo, Indonesia

      Dec 22, 2017

      Hello Dave, does this mean the manual approval of this volunteer is the assigned VM or is it Tim Zidisha?

      Translated by Google     Show original

      Halo Dave,
      Apakah maksudnya persetujuan manual dari sukarelawan ini adalah VM yang ditugaskan ataukah yang dimaksud Tim Zidisha?

    • Nelly Mungai
      Ruaka Town, Kenya

      Dec 25, 2017

      Could you not count the days the loan is pending review,you start counting on the day it is approved such that loans don't expire while under the review or to have very limited time for funding.
      Also kindly check my loan,I posted on Friday but still under review



  • George Kihiu
    Mombasa, Kenya

    Dec 22, 2017

    Hi Dave are these changes not inconveniencing,coz like my loan had been published for 7days and now its back to review by Zidisha staff which means if approved it will take another more days after being published again for funding


    Ifan Zico likes this.

  • Collins Kipchumba
    Mois Bridge, Kenya

    Dec 22, 2017

    Actually some volunteers never come online. So we have to wait for them to be online to approve our loans doesn't make sense at all


    Ifan Zico likes this.

  • Charity Akinyi
    Nairobi, Kenya

    Dec 23, 2017

    I am also facing the same challenge.


    Ifan Zico likes this.

  • Zidisha Volunteer
    dave2319
    United Kingdom

    Dec 23, 2017

    The loans need to be approved by volunteers like me - not Volunteer Mentors.
    I think the amount of time this might take, in relation to the workload and number of volunteers we've got, is a concern and I've raised this point with Julia. I'll let you know when I've heard back.

    • Volunteer Mentor
      Dian Ayu Rahmi Lail Sukarsih
      Sidoarjo, Indonesia

      Dec 23, 2017

      Thank you Dave for the explanation. Hopefully I can also hear good news about the time it takes to review a proposal to be funded.

      Translated by Google     Show original

      Terima Kasih Dave atas penjelasannya.

      Semoga saya juga bisa mendengar kabar baik perihal waktu yang dibutuhkan untuk meninjau suatu proposal agar bisa terdanai.

    • Jajang Surya Hidayat
      West Java, Indonesia

      Dec 24, 2017

      Previously, I wish you Merry Christmas dave2319. May God be with you. Just give a little response from what you have to say, to minimize it. Why not add Volunteer Staff (not Volunteer Mentor) to each country to facilitate the verification process ?? Zidisha has progressed and developed, it is necessary to improve the system and the addition of staff. (correct if I am wrong) Best Regards

      Translated by Google     Show original

      Sebelumnya, Saya mengucapkan Selamat Natal Untukmu dave2319. Semoga tuhan menyertaimu.

      Hanya sedikit memberikan tanggapan dari yang telah anda sampaikan, untuk meminimalisir hal tersebut. Kenapa tidak menambah Staf Volunteer (bukan Volunteer Mentor) pada masing-masing Negara untuk lebih memudahkan proses verifikasi ??
      Zidisha sudah semakin maju dan berkembang, perlu adanya perbaikan sistem dan penambahan staf.
      (koreksi jika saya salah)

      Best Regards


      Ifan Zico likes this.
    • Godwill Bissue
      Abetifi Kwahu, Ghana

      Dec 26, 2017

      Dave, please help review my loan for me. Thank you



  • Volunteer Mentor
    Linda Amankona
    Jinijini,bereku..., Ghana

    Dec 23, 2017

    Same hear oo pls volunteers please review my loan for me.This is my fourth time


    Ifan Zico likes this.

  • Emilio Gacigu
    Kevote Kenya, Kenya

    Dec 23, 2017

    I'm worried if I will be able to endure such hardness, depending on complain applied by members, I'm new but seem be start loosing hope..
    I need courage..


    Ifan Zico and Emilio Gacigu like this.
    • Abubakari Razak
      Techiman, Ghana

      Dec 24, 2017

      Please , To the Zidisha team. Do you aware that this new policy can introduce bribery and corruption into the system since powers is now been inverted into the hands of the VM .


      Ifan Zico likes this.
    • Zidisha Volunteer
      dave2319
      United Kingdom

      Dec 24, 2017

      Abubakari, it's not VMs that will be approving the loans, it's volunteer staff.


      Ifan Zico likes this.
    • Volunteer Mentor
      Fitri Fauziyah
      Kota Surabaya, Indonesia

      Dec 24, 2017

      Hello Abubakari Razaq, this manual review will be done by Zidisha Volunteers, not the VM. Zidisha Volunteer have access to check borrower account, payment, support ticket etc. You can say that zidisha Volunteer as zidisha staff.
      Here, look at this page : goyimei.info/team
      They are zidisha staff and there are more who hasn't appearing on that page like Wee Beng, Breden Mc Mullen; Dave it self hasn't appearing on that page (I think, CMIIW). Sometimes Zidisha volunteer are the lenders, like Laurie who is doing offline work but sometimes appearing on borrower discussion page. There are 35 zidisha volunteer now, I knew this from the screenshot of zidisha eamil reply to someone on facebook grup.

      If you find some VM ask its assigned member to pay for good review, please report it to Zidisha. Make support ticket and detail information about it; attach the proof, always find all the fact first ok. Lets Zidisha staff and Volunteer investigate this matter.

      Translated by Google     Show original

      Hello Abubakari Razaq, this manual review will be done by Zidisha Volunteers, not the VM. Zidisha Volunteer have access to check borrower account, payment, support ticket etc. You can say that zidisha Volunteer as zidisha staff.
      Here, look at this page : goyimei.info/team
      They are zidisha staff and there are more who hasn't appearing on that page like Wee Beng, Breden Mc Mullen; Dave it self hasn't appearing on that page (I think, CMIIW). Sometimes Zidisha volunteer are the lenders, like Laurie who is doing offline work but sometimes appearing on borrower discussion page. There are 35 zidisha volunteer now, I knew this from the screenshot of zidisha eamil reply to someone on facebook grup.

      If you find some VM ask its assigned member to pay for good review, please report it to Zidisha. Make support ticket and detail information about it; attach the proof, always find all the fact first ok. Lets Zidisha staff and Volunteer investigate this matter.


  • Volunteer Mentor
    Rene Gyimah Amoah
    Odumasi, Ghana

    Dec 23, 2017

    this policy is really not really helping. so now i have to wait till a volunteer will take a look at my projects. this means its now really through prayers by which you can get zidisha loan. please change this policy. you can even ask for additional information from us rather than this

    • Joost
      Noord Brabant, Netherlands

      Dec 24, 2017

      I find this a good policy. As a lender I like to help people with good intentions. I want them to be able to get a better life. I only give a loan if I expect that a borrower is able to pay that loan. Sometimes I see someone asking for a very big loan without any proof that they are able to pay it back. I don’t support those loans because I don’t want those people to get any trouble.

      But there are also people with bad intentions. They only want to get the money with fake ID’s and they are not planning to pay it back.

      And if a loan isn’t repaid then the Member Loan Fund comes into action. But there are also conditions for that situation, so there is no guarantee. goyimei.info/faq#faq-8
      This way I still can use the money to refund another loan request.

      The same fund is used by the borrowers. goyimei.info/faq#faq-68
      But there is also no guarantee because there has to be enough money.

      I find this a good policy because a smaller percentage of the loans will be “bad” loans. So there is more money for “good” loans and the chance that those loans are repaid is also bigger. This also means that a bigger part of the Member Loan Fund can be used by borrowers.

      So it’s a win win situation for the lenders and for the borrowers with good intentions. The only downside is that it takes a little bit of extra time to get the loan request approved. And because it’s something new it might take some extra time.

      • Volunteer Mentor
        Fitri Fauziyah
        Kota Surabaya, Indonesia

        Dec 24, 2017

        Hi Joost thank you for your input about this changes. Would you considering to be zidisha volunteer ? I Saw that you more active in this forum and on borrower discussion page whose loan you are supported. Other lender I saw who active are Mary,Margaret and the others more active in their lending community. This is my selfish wish, as you know that with this new changes; manual review from Zidisha Volunteer; zidisha will need more help to sort this. There still about 300 project that show on project page, so there are more than 700 project if we count from the sum of loan application before. I saw that zidisha posting on their official facebook page asking lenders to be Volunteer too. I already post on my discussion page, hoping from my lenders will be kinds and spare their time to help zidisha this time around, atleast until this technicall issue resolved and pending review lessen. The decision is yours. Thanks a lot for supporting borrower in zidisha and your kindness communicating with your borrower. Have a great holiday

        Best regards.
        Fitri.

        Translated by Google     Show original

        Hi Joost thank you for your input about this changes. Would you considering to be zidisha volunteer ? I Saw that you more active in this forum and on borrower discussion page whose loan you are supported. Other lender I saw who active are Mary,Margaret and the others more active in their lending community. This is my selfish wish, as you know that with this new changes; manual review from Zidisha Volunteer; zidisha will need more help to sort this. There still about 300 project that show on project page, so there are more than 700 project if we count from the sum of loan application before. I saw that zidisha posting on their official facebook page asking lenders to be Volunteer too. I already post on my discussion page, hoping from my lenders will be kinds and spare their time to help zidisha this time around, atleast until this technicall issue resolved and pending review lessen. The decision is yours. Thanks a lot for supporting borrower in zidisha and your kindness communicating with your borrower. Have a great holiday

        Best regards.
        Fitri.


        Rene Gyimah Amoah, dave2319 and Joost like this.
        • Joost
          Noord Brabant, Netherlands

          Dec 24, 2017

          I have send a mail to Zidisha for more information about becoming a volunteer.

          Thank you for the suggestion.


          Fitri Fauziyah and dave2319 like this.
        • Volunteer Mentor
          Fitri Fauziyah
          Kota Surabaya, Indonesia

          Dec 25, 2017

          Joost, Thanks a lot for considering my selfish wish. I hope Julia and the others who have authority to answer lenders email will help you soon. I hope you will be more patience Joost, eventhough Julia already post on the old forum thread about support ticket is the only way for borrower communicating with Zidisha about their account; Many still send email to [email protected] explaining their account situation and hoping to get their problem resolved soon. I knew this from facebook grup. Even when someone remind them to make support ticket, they will send email too. Desperade call need desperade measure.
          Lets hope Dave will read this soon so he will give notice to Julia and the other who have the authority about your email.

          Thanks a lot Joost, this mean a lot for borrowers in Zidisha, especially to me. May Allah bless you and all of us. Aamiin.

          Translated by Google     Show original

          Joost, Thanks a lot for considering my selfish wish. I hope Julia and the others who have authority to answer lenders email will help you soon. I hope you will be more patience Joost, eventhough Julia already post on the old forum thread about support ticket is the only way for borrower communicating with Zidisha about their account; Many still send email to [email protected] explaining their account situation and hoping to get their problem resolved soon. I knew this from facebook grup. Even when someone remind them to make support ticket, they will send email too. Desperade call need desperade measure.
          Lets hope Dave will read this soon so he will give notice to Julia and the other who have the authority about your email.

          Thanks a lot Joost, this mean a lot for borrowers in Zidisha, especially to me. May Allah bless you and all of us. Aamiin.


          Rosemary Kilonzo likes this.

  • Yeboah Jonas
    Sunyani, Ghana

    Dec 23, 2017

    I am facing the same issue. I need more information regarding Zidisha staff approving an application before funding


    Ifan Zico likes this.

  • Volunteer Mentor
    Kossonou Yao
    Kumasi, Ghana

    Dec 24, 2017

    Hello to all our family Zidisha. Who does not protect his interests?


    Ifan Zico likes this.

  • Dec 24, 2017

    How can I post a loan for a 11 days, only to wake up the next day to see on my dashboard that my loan is pending review meanwhile all these 11 days they could not do review on my loan.
    Now I am left with a day for my loan to expire.
    This is very unfair. Please do something #Joost


    Ifan Zico likes this.

  • Zidisha Volunteer
    dave2319
    United Kingdom

    Dec 24, 2017

    Nathaniel, I've just found your loan application and done the necessary checks and approved it, so it's now displaying in the Browse Projects area. I've done that now because it's only got one day remaining.

    • Dec 24, 2017

      Thank you Dave, but it is going to be very difficult to have funds for my loan since I have only a day for my loan to expire.


      Ifan Zico likes this.
    • Dec 25, 2017

      Dear Dave,Thank you very much for your great support. I have an issue and l need help. Some of us here in Ghana don't have national I'd card yet.They promised to issue us one but it is not ready and we don't know when we are going to have one. So we use either voters id card,or national health insurance card as a form of identification card.I have uploaded my national health insurance card and still l have a message on my deshboad telling me to upload a new one.what to know if Zidisha want to deprive me from access my financial need.Thank you. Please look into my case for me.



  • Agus Mulyana
    Jakarta, Indonesia

    Dec 24, 2017

    Help me dave

    Translated by Google     Show original

    Tolong saya dave



  • Volunteer Mentor
    Rene Gyimah Amoah
    Odumasi, Ghana

    Dec 24, 2017

    will we go through the same process if the loan expires and you have to post another one?



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