I will use this loan to buy more tanks, buy more treated water and hire two more staffs to help me sell water to most pa...

Bernard

Nakuru- Ponda Mali Area, Kenya

100% repaid

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How it Works

Entrepreneur

Name

Bernard

Member since

February 2014

On-time repayments

297 installments • 10%

About Me

My name is Benard . I am a kenyan citizen. I come from a family of two brothers and two sisters. I am the third born in our family. I am staying in Nakuru County at a place called Ponda mali. I completed my high school in the year 2007. In the 2008, I joined Kenyatta University and did a course in business management. I graduated in the year 2011 and in the year 2012; I decided to start a business of selling treated water to Ponda mali people and its environs. I decided on this business because there was shortage of clean treated water in this area. Ponda mali is like a slum area. It doesn’t have tap water. This has resulted into constant breakout of water borne disease such as diarrhoea, cholera, malaria, trachoma, typhoid and scabies. I manage to start this business with the money that I had borrowed from micro-finance. With this money I bought three storage water tanks. Today I am serving a good number of Ponda mali people with treated water but more still needs to be done in order to be able to eradicate water born diseases this area.

My Business

I am running a business of selling treated water. I have three selling water points which I managed to establish with the three water tanks that I bought. Each of my tanks holds 10,000litres of water. I normally source treated water from the municipal council of Nakuru then I sell it to the residents of Ponda Mali. A jerican of 20 litters of water goes for Ksh 20. My business is on high demand because I am the only person who sells treated water in this area. I am normally able to sell over 4,000 litres of water per day. Despite having three selling water points, I have not been able to cater for the demand of treated water that is required in this area; I am therefore appealing to Zidisha micro-finance to help me bring more treated water to this area. I would like to add more water tanks so that I can be able to sell to other parts of Ponda mali which has not yet been able to access treated water.

Loan Proposal

Ponda Mali is a slum area, It doesn't have access to clean and treated water. The area has been suffering from water born diseases, I will therefore use my loan to buy two more water tanks with capacities of 10,000.litters and hire two more staffs. This will boost my business because I will be able to sell more water and make more profit. The residents of Ponda Mali will also benefit because they will be able to access more clean and treated water. In future I am planning to supply even more water to this area because the demand is very high but I still don't have enough resources to meet the demand.

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Loan Info

Project Type

Classic Loan

Disbursed amount

$150.00

Date disbursed

Feb 10, 2014

Repayment status

On Time

Projected term

2 months

Other loans

Apr 2014: $473

Lenders

Bpryse

Long beach, United States

Jopar

Corroios, Portugal

Matching Fund

Sterling, United States

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DocHolliday Feb 8, 2015

I hope that you are alright, as you have not made any repayments since October. Please let us know what the trouble is, if you can.

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DocHolliday Dec 28, 2014

Hello - how are things going for you now? Have you been able to work out your difficulty with non-paying customers?

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Bernard Nov 7, 2014

I wish to reduce my weekly installments. Zidisha has really helped me to establish a business which has really helped a lot of poor people to get fresh water. My customers have been very good in terms of paying for the water they get from my tanks. However, recently I have had customers who are refusing to pay for the water after getting it . It has been hard for me to deny people fresh water whenever they don't money. They always promise to pay the later but every time I try to follow them, they still don't pay. I am therefore unable to pay my loan has I had promise. I am hereby requesting to be allowed to pay smaller amounts which I can afford at the moment.

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- DocHolliday Nov 16, 2014
  
  I`m sorry that you are having trouble with non-paying customers, and I admire your compassion in continuing to provide them with clean water regardless. Unfortunately it sounds like you might have to switch your business to demanding at least partial payment before delivery in order to be able to expand further.
  
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DocHolliday Oct 28, 2014

Hello! I hope everything is going well for you. It worries me that you've missed four repayments. Could you let us know if there is a problem? Thank-you.

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DocHolliday Sep 22, 2014

Thank-you for your recent repayments.

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DocHolliday Aug 29, 2014

Hello Mr. Tangus - Still hard at work repaying your loan. Thank-you. How is your business going these days?

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DocHolliday Jul 8, 2014

Thank-you for continuing your repayments.

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  Bernard Jul 12, 2014
  
  You are welcome DocHolliday, and thank you for your support.
  
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Bernard Jun 15, 2014

To all my lenders, thank you a lot. because of you, Elimika Primary school will now have water within their school compound. Through your lending, I bought a water tank for the school

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DocHolliday Jun 14, 2014

Thank-you for your continued repayments, despite your set back. How are things now? What were you able to do with the old leaking tank? Could anyone else use it?

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  Bernard Jun 15, 2014
  
  Thanks Dockhlliday. The water tank is made of plastic material, I don't think It can be of any use to someone. I managed to buy one more new water tank with the loan that I received. I took the water tank to a primary school where there was water shortage. I will be filling this tank with water for the school and the
  school will be paying me after every two weeks
  
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  - DocHolliday Jun 29, 2014
    
    It's good to know that the primary school children will now have safe water to drink while at their studies, and providing that tank there should also help promote your business further, as all the parents of the students will know about it. So, a win-win situation for everybody, the best kind!
    
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Stellah May 22, 2014

HI BENARD I WIOUL LIKE TO TALK TO CAROL WANGUI NJOGU

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Bernard May 9, 2014

Thank you DoHolliday for your concern. I really appreciate. My business is now on the rise because of the financial help that you people gave me. You have really changed my life situation. Thank you. May God bless you all.

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- DocHolliday May 16, 2014
  
  I'm glad to learn that your business is improving, have you replaced your leaking tank?
  
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Bernard Apr 30, 2014

I wish to reschedule my loans because of the problem that I am experiencing right one. One of my oldest tank is leaking. This problem started two weeks ago. I had brought some technicians to try and seal the leaking points but its has not work. The leaks stops for sometime then after some few days it starts leaking again. I would therefore like to pay a new tank to replace the leaking tank. This will help me save the water that is going to waster through the leaks. I will resume paying my loan with better amounts once I solve this problem.

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- DocHolliday Apr 30, 2014
  
  Thank-you for writing, Mr. Tangus. Unfortunately nothing lasts forever. What material are your tanks made of? Would it be possible in the future to purchase better quality tanks? Will you be able to sell the leaking tank for scrap? It makes sense that you purchase a replacement for the leaking tank right away, so there is no waste and you don't lose customers. I'm sure the other lenders will accept smaller repayments for a time, as I certaintly do. Thank-you again for making the time to explain the change in repayment plan.
  
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DocHolliday Apr 26, 2014

Thank-you for your repayment.

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DocHolliday Apr 11, 2014

Hello Mr. Tangus - I am happy to have been able to help support your loan. I wish you a lot of success on your mission to provide clean water to your community, and look forward to reading of your enterprise's development.

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Bernard Mar 25, 2014

I thank this opportunity to thank Zidisha once again for the support that they have given me. as I had stated earlier, I bought an extra tank to cater for the high demand for treated water. I am now selling of litters of water on a daily basis. I have been able to make more profit and therefore wish to resume paying my loan at Ksh 1500.

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William Mar 12, 2014

Bernard ,Good repayment history so far ,Keep it up

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Bernard Mar 11, 2014

I hereby wish to repay my loan in small instalments. I wish to buy an extra tank with the money that I get from my business of selling water. This is because the demand for my treated water has increased. I therefore wish to sell more water by buying an extra tank. This will enable me to sell more water and even increase my profit. thank you

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Bernard Feb 28, 2014

I thank the Zidisha micro - finance for the loan that I received. This money with the savings that I had helped me to buy two more water tanks with capacities of 10,000 litters and also hired two more staffs. I now have two more water selling points. My selling has now increased resulting into more profit. For this reason, I wish to increase my remittance to Zidisha in order to clear my loan

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Bernard Feb 17, 2014

I wish to thank all my lenders for the support that they have given me. May God bless you all. I have now bought two water tanks. I now have five water selling points. I also managed to hire two staffs to work at the two new water selling points.I am hoping for more profit and Ponda Mali people are also going to get more clean water

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