Sep 14, 2018
It has been a tough one but i thank God that i have been able to complete my loan. The loan i took helped me in farming business. The profit i got helped me a lot in paying my bills and other expenses.
My son has started a new term and the money really helped me i paying his school fees. he also celebrated his 7th birthday in june. The money has also helped me in my savings since my desire is to own my own home.
The economic situation has been tough in kenya but we are hoping for the best.
Here are the goods that i bought with the loan.
Sep 13, 2018
I have been able to buy small items that the business needs such as water tank, boots, overrals etc. These have helped me in handling the work area with more efficiency. I have also put up a banner that is catchy and is drawing more clients' attention thus increase in revenue.
My cocoa farm which is about to ripe.
Green pepper farm.
Business is about to be boomed. I am yet to harvest my food stuffs. I thank God for all long project.
Koforidua Adweso, Ghana
I will at this time wish to buy more a the goods I sell for a reason that demand has risen hence I have to go to the market about three times in a week to replenish stocks which ties up my profit. So I believe bulk purchase will help me save cost.
This will make a difference because it will enhance customer satisfaction as well as cost of transportation. I forecast to have a profit margin of about ten percent.
This increased earnings will be reinvested
Sep 12, 2018
Hi Donors Previously I apologized for the late refund I had borrowed, this was because my parents" house was having problems, the roof of the house was almost collapsed, so with hard work I worked with a little rest to find additional funds to renovate the roof my parents house. For the remaining refund, I will pay as soon as possible this month. Thank you for your patience, apologize profusely. Next, I send a photo of the roof of my parents" house. Best Regards Derry
Translated by Google
Hai Para pemberi Donatur
Sebelumnya saya minta maaf atas keterlambatan pengembalian dana yang telah saya pinjam, hal ini karena rumah orang tua saya sedang ada kendala, atap rumah yang hampir roboh, jadi dengan kerja keras saya bekerja dengan sedikit istirahat untuk mencari dana tambahan untuk merenovasi atap rumah orang tua saya. Untuk sisa pengembalian dana, secepatnya akan saya bayarkan pada bulan ini.
Terima kasih atas kesabarannya, sekali mohon maaf yang sebesar-besarnya.
Berikut saya kirimkan photo atap rumah orang tua saya.
Greetings lenders. I am glad Zidisha has made me a businessperson. With the loan that I last received, I was able to increase my stock and subsequently the profits. Added to this was the fact that the loan was a booster, in terms of helping me cover business expenses such as rent payment for my business stall. Without the money from Zidisha, it would have not been easy for me to transform from hawking to the extent of opening my ow stall.
The loan i received from Zidisha not only helped me expand my business but it also taught me why it is important to save. With the weekly installments that I was expected to pay throughout the repayment period, I was able to develop financial consciousness in my operations, Thanks to Zidisha. The loans from Zidisha make me become responsible in a great way.
Salim Mzungu Ahmed
I used the last loan to purchase some accessories to increase my stock at my cyber. this increased my income by 5% from what i have been getting previously.
Thank you for the cash loan provided, thanks to this loan I bought 20pack of cooking oil ordered by neighbors who will hold a wedding reception and circumcision, I bought this oil online for Rp 250 thousand with a content of 1 x 200ml x 12pcs, which will be sold at market that is Rp. 27500 per pcs. This is all thanks to the help from the zidisha. It turns out that the lender is thank you zidisha
Terimakasih atas pinjaman dana tunai yang diberikan,berkat pinjaman ini saya membeli 20pack minyak goreng pesanan tetangga yang akan mengadakan resepsi pernikahan dan khitanan,minyak ini saya beli di online seharga rp 250 ribu dengan isi 1 x 200ml x 12pcs ,yang akan di jual seharga pasaran yaitu rp 27500 perpcs nya
Ini semua berkat dana bantuan dari zidisha
Thank God, the previous loan was paid off. I am currently applying for another loan to buy a stock of the product I sell. I hope to be able to increase income. Thanks to the donors and the zidisha team, we hope that longevity, health, and all of them will continue to help people in need. Thank you for your help and I beg you to grant this loan because there are many more orders ... hehehe
Alhamdulillah pinjaman sebelumnya telah lunas. Saat ini saya mengajukan pinjaman lagi untuk membeli stok produk yang saya jual. Saya berharap agar dapat menambah pemasukan. Terimakasih untuk donator dan tim zidisha smoga panjang umur, sehat slalu, dilancarkan semuanya, terus membantu orang yang membutuhkan. Trimakasih bantuannya dan saya mohon untuk di kabulkan pinjaman saya ini karna lagi banyak orderan.. hehehe
Thanks my lenders I really apliciet for your support,, I will buy some kitenge materials and make some 5pieces of African dress and I will sell them at the price of 20$each =total income I will get is 100$ meaning I will be having a good profit of almost 60$after deduction of all expense. And my business will grow good under your support. Thanks soo much
Fanti Newtown, Ghana
I appreciated a lots with Zidisha loan organization, for making my life better than previously. And l will like thanks them once again for their support. I also promised to work with them till the end of my life, thanks.
Ofori Mustapha Mohammed
Sep 11, 2018
I used the loan to purchased chemical drugs such as paracetamol tablets and syrups, malaria drugs(tablets and syrups) b-complex tablets and syrups,multivitamins, condoms,plasters,gentian Violet,amoxacillin and so on and food supplements like alkaline coffees, phyto energizers, c/24 supplements etc.
The loan has improved my life very beneficial to me and my family by supporting my business financially.Indeed, I have been able to used the loan to pay for my children school fees, light bills,paying my extend family school fees, water bills, my aged mother health care, health insurance bills,feeding all these are as a result of profit gaining out of Zidisha loan benefits or earnings.
I,my family and my community are most grateful to you for your emerse contribution and support to my business as we all benefit always and without Zidisha loan we are nothing and doomed because you have changed our lives as you made us have all that we need at our door step and putting food on our table. Indeed, Zidisha makes myself and my family smiles because we no longer struggle for high interest rate from other banks.I will say Zidisha loan always is the best so far in the world. Thank you for your amends assistance given me and my family.
I would like to give great thanks to my lenders for making my plans realizable through this micro-lending plan. I have been able to use the past loan facilities to foot my internet connection and power bills, which support my online freelancing venture. I plan to use the net loan facility to get a wireless Mi-Fi connection equipment for my internet connection so as to enable the people that we work with to share the work space and connection without the need of everyone having their own modem. I hope that as the facility increases I will be able to use it to procure more equipment and software to facilitate my online work. Thanks a lot Zidisha and all the lenders that have made this possible for me.
Nanyuki , Kenya
This is the quality of work I have done and will continue to uphold standards
Hi Lenders, today with the loan you advanced to me, I bought a D-Link 24 port network switch. I plan to mount the switch in the course of the week. My internet service provider is ready to upgrade my data plan but since I had already paid for this month's plan, they require that my subscription expires before they can upgrade my plan.
Thank you all.
Kota Cimahi, Indonesia
good evening sir, thank you for helping me with capital and trust in me, the money I gave you, I bought my business equipment, a press machine to install buttons and paper material, paper is the main ingredient in my business, I I usually buy kiloan paper to make it cheaper in production costs, to pursue competitiveness I chose kiloan paper, it does not affect the quality of paper, for small businesses like me, kiloan paper is very helpful, because it can reduce production costs by around 20%. now the price of new paper is Rp. 4,300 / pcs / plano, and the price of kiloan paper is Rp. 9,000 / kg. once production I can use 100kg of paper. that"s a story about a business that I have engaged in. In the future, I will tell you more. thank you for trusting me. this is the production of today.
selamat sore tuan,
terima kasih sudah membantu permodalan dan kepercayaan nya kepada saya, uang yang tuan berikan sudah saya gunakan, tadi siang saya membeli perlengkapan usaha saya, sebuah mesin pres untuk memasang kancing dan bahan kertas,kertas adalah bahan utama dalam bisnis saya, saya biasa membeli kertas kiloan agar lebih murah dalam biaya produksi, untuk mengejar daya saing saya memilih bahan kertas kiloan, itu tidak mempengaruhi kualitas kertas, untuk usahayang masih kecil seperti saya, kertas kiloan sangat membantu, karena bisa mengurangi biaya produksi sekitar 20%.
sekarang harga kertas baru Rp. 4.300/pcs/plano, dan harga kertas kiloan Rp. 9.000/kg. sekali produksi saya bisa memakai kertas sebanyak 100kg. itu cerita tentang usaha yang saya tekuni. kedepan sayaakn bercerita lebih banyak.
terima kasih tuan atas kepercayaanya epada saya.
ini hasil produksi hari ini.
My first payment installment was paid off. thank you for helping my business. more and more purchases of goods due to additional capital
cicilan pembayaran pertama saya sudah lunas. terimakasih umtelah membantu usaha saya. pembelian stock barang semakin banyak karena ada tambahan modal
Sep 10, 2018
This is sugar cane ice that I sell in milled using a grinding machine
Ini es tebu yang saya jual di giling menggunakan mesin penggiling
Making ingredients for cakes To make cakes and sell around the village Adding my income - + 800 rb in a week The results I use to save money, living expenses and school Children diligently learn to achieve better performance Many positive activities in my village are like competitions recite
Bahan bahan membuat kue
Untuk membuat kue dan dijual keliling sekitar perkampungan
Menambah penghasilan saya -+ 800 rb an dalam seminggu
Hasilnya keuntungan saya gunakan untuk menabung,biaya hidup dan sekolah
Anak anak rajin belajar meraih prestasi yang lebih baik
Banyak kegiatan positif di kampung saya seperti lomba mengaji
buy handicraft materials, to be sold again. This business is to supplement my income. the result is quite good - + 800 thousand per week. This business goal is to develop a multiproduct business. that I like
membeli bahan bahan kerajinan,untuk dijual lagi.usaha ini untuk menambah penghasilan saya.hasilnya pun lumayan -+ 800rb an per minggu.tujuan usaha ini untuk mengembangkan usaha bisnis multiproduk.untuk menunjang prestasi anak anak saya sangat memuaskan dg nilai yang tinggi.hobby banyak yang saya suka
This loan will be used to buy electric sewing machine help me in my dress making business. The machine will cost about $250 but I will add the loan to the savings I made already. The will help increase my production which in effect increase my profit.
Gibson Muchera Witaba
Lugango Village, Kenya
Hi to my beloved lenders, i am very greatfull for your your continued support towards my business. The loan you gave me has made my business increase the commission by 30% from my airtel money and Mpesa services. Since the business is growing i have employed one assistant to help me render the services fast and efficient. My family too has felt the impact of my business since i have a kid in Grade three, which has also enabled me to pay the whole school fees for this year. God bless you so much as we continue to support me and my dependants.
Dear lenders, Yesterday, I used the loan money to buy a laptop, printer ink and a variety of home clothes. Stock of children"s legging pants at the supplier, the items are still empty so I haven"t bought them, hopefully next week there will be so that I can buy the children"s leggings. I hope that the stock of goods currently available to me, sell quickly so that I can get more profit to buy back more variations with more. Thanks to all of my lenders, all of you make our days very enjoyable. Hopefully all of you are always happy and healthy. Greetings, Endang
Kemarin, uang pinjaman telah saya pergunakan untuk membeli Laptop, tinta printer dan beberapa variasi baju-baju rumahan. Stok celana legging anak-anak di supplier, barangnya masih kosong sehingga saya belum membelinya, mudah-mudahan minggu depan sudah ada sehingga saya dapat membeli legging anak-anak tersebut.
Saya harap stok barang yang saat ini ada pada saya, cepat terjual sehingga saya bisa mendapatkan keuntungan lebih untuk membeli kembali variasi-variasi lainnya dengan lebih banyak lagi.
Terimakasih kepada semua pemberi pinjaman saya, kalian semua membuat hari-hari kami sangat menyenangkan. Semoga anda semua selalu bahagia dan sehat.
Hello, i was able to raise 35% of the pillars needed. i got the cements and the bamboo poles. the masons are still working on the site. it is too early to access the impact of this investment over my farming activity but next year when we start harvesting passion fruits, the impact will be quantifiable.
Thanks for your help.
Thank you Mr. Paul. I wish i could share you the experience to taste my food product. God bless you and us. Thank you very much :)
Sep 9, 2018
I took and passed this course. Here is my certificate
Lucky Summer Estate, Kenya
lender that s my self in the shop
When i was introduced to Zidisha i never believed that Zidisha loans will improve my business.Today am ONE of the happiness members of Zidisha.Zidisha has really helped me grow and sustain my business in Zambia.Am a strong entrepreneur through Zidisha loans through the loans i have learnt how to save the earned profits weekly and repay back to Zidisha.I thank the director, all zidisha staff and all the lenders that have supported me since i joined Zidisha through Second hand clothing which is my core business.My God bless you all
Hello zidisha lenders, I will purchase housewares and family related requirements. Since i joined zidisha my sales as increased as my purchase are a result what customers require.I hope make 17% profit after a good day sale! The school opened this week and most people went for school requirement. My housewares for boarding students was were i reaped more!
Kisii County, Suneka, Kenya
Good morning my lenders and management, am very much thankful for the support. I have attached my shop photos and for the stock I purchased.
Good afternoon, I have completed the order of the hangtag, I, I will send this item to the buyer soon, thank you for helping with my capital.
selamat siang, saya sudah menyelesaikan orderan hangtag, saya, sebentar lagi saya akan mengirim barang ini kepada pemesan, terima kasih telah membantu permodalan saya.
Sep 8, 2018
Here is a photo of the sum total of assets, including the assistant I hired, all build from zidisha loans. God Bless Zidisha
Sep 7, 2018
Salty egg is traditional food from my home land, it has unique tastes that can not be made by other. I offered the egg only to buyer in the same town, because to send the package with safe is challenging. Now i confident to offer it in my online shop, and to send it to some towns around (Jabodetabek), since i experienced the safer trick of the packaging. I hope Zidisha lenders can support my shop, my online job. I want to support our family's financial without leaving my kids to stay at the offline shop or to work for other (as employee).
The loan will help in mass production and will increase the profit margin by 10% by the end of the week. With the increase in profit I will be able cater for my family and also expand the business.
Hi zidisha family. I want to take this oppotuniny to thank zidisha family to giving me this loan.
The loan will help me to buy a second hand motor bike that will help in transporting farm products and this will help to reduse farm experience hence giving the farm more profit. Thank you zidisha.
Hello my lenders, your amount increased my poultry farming,two yesterday I made a profit of 3000 Kenyan shillings,. Thank you for your loan,God bless you all
Thank you lenders for your great help, although I had great ups and down due to the government ban on charcool and the impediment rise in the price of charcool I have managed to make a profit of 2250 shillings that has helped in my stay at school. Thank you zidisha
Its pressure to thank all of you because of accepting to fund me.Am happy to say that you have been of great help to me and my family I started down and I have now grown and hope to get to the dream of wholesale cosmetic shop when I get this loan ,I will use some money to pay a plot which I have been buying in hire purchase, add more stock to my cosmetic shop and buy good and comfortable sits for my clients in the salon this will make my clients happy then more sales and more profits thanks and live long Zidisha.
Sep 6, 2018
Alhamdulillah thanks to a loan from Zidisha, now I can build a small kiosk on the yard of the house so that I can develop my sales, I use the money provided by Zidisha to buy 200 thousand processed foods that I use as snacks, the rest I buy 100 thousand nails and plywood The remaining 100 thousand I was given wood aid by my uncle Ajiji. Thank you for the help Thank you zidisha
Alhamdulillah berkat pinjaman dari zidisha sekarang aku sudah bisa membangun kios kecil dihalaman rumah agar bisa mengembangkan jualan ku,uang yang diberikan oleh zidisha aku pakai untuk membeli bahan makanan olahan sebanyak 200 ribu yang aku olah jadi makanan ringan, sisanya aku belikan paku 100 ribu dan triplek 100ribu sisanya aku diberi bantuan kayu oleh paman ku ajiji. Terimakasih atas bantuannya
The people of Nsakina community (especially the women) are happy and are saying thank you to all lenders here on the Zidisha platform and to all Zidisha staffs especially the founder Director Julia. All they are saying is God Almighty richly bless you all.
Thank you, sir, thanks to the help from my lord, I can produce hangtag, I have bought the staple money from the master, and soon all the processes will be sorted out just packing, the overall capital of this order is Rp. 2,200,000 and I sell for Rp. 3,100,000, hopefully you don"t get tired of helping my small business. thank you sir
Terima kasih tuan, berkat bantuan dari tuan, saya bisa memproduksi hangtag, saya sudah membelikan bahan pokok uang dari tuan, dan sebentar lagi semua proses akan beres hanya tinggal packing, modal keseluruhan dari order ini sebesar Rp. 2.200.000 dan saya menjual dengan harga Rp. 3.100.000,
semoga tuan tidak bosan membantu bisnis kecil saya. terima ksih tuan
I was able to buy more packaging packets and it really helped my business.
The added packets helped me since i was able to supply more milk than before.
My earning increased from the initial profit of about 50 dollars a week to almost 70. thanks to increase in distributing packets.
I purchased UPS machine which actually has been a challenge in my business in any time we experienced power blackout.The difference is now that it is not easy to lose data in computers any time we experience power challenge.With that i have managed to retain my customers and has enabled me to make more profit.
Uyoma Ndigwa, Kenya
Thanks very much ZIDISHA team and my good caring ZIDISHA lenders for supporting me financially. Disbursement of this loan to me will definitely help me to pay the remaining school fees balance for the two children in school in the course of the last term of this year at a cost of KES 2100, and buying some stationery items for the children required by school administration at a cost of KES 350.This will help me to settle remaining balance and income got will be used to buy food, clothes, paying family and work expenses, catering for hospital bills. It will also increase my monthly savings and eventually improve living standards of the family members. Thanks so much for the financial aids.
Edem Kwasi Senaya
The drain works and kitchen sink for the affordable housing. My current contract that I am working on.
My current work site.
Thank you Jan V. Thanks for believing in me. I am putting everything in place for my business to grow gradually.
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