Mary    Nov 2, 2018

Earlier in the year 2014 I had written to you saying that I had lost a brother, that brother died and left no investments so we had to take up the responsibility of educating the children because the wife was not employed so we had to take that burden so it has been very hard plus I have my family issue. That one aside the business have been doing so well. I would play that because next year is when the last child is finishing high school due to the above challenges I pray therefore to allow me pay the small amount that I can afford. There is item I have place for sale if it goes through I will pay. Thank you and sorrow for the inconveniences cursed. Please do not take me the CRB this time.



Thank you in advance

Mary Kihara

Mary    Sep 12, 2016

i purchased 300 chicken plus the feeds and also transport and all other issues pertaining the growth of the chicken i also bought one computer which i now use in my business. but in the process brother fallen ill of cancer where we had to use our whatever resources each one had as family for his treatment unfortunately even after we struggled he died so the loan was not used for burials. i am trusting that i will came to my feet business wise and resum the payment.

Katpjotr    Sep 11, 2016

She took our money to pay the burials.

adaniels85    May 15, 2014

Sorry, but I have to leave negative feedback or this site will never work. Borrower only repaid 9% of last loan.

Mary    May 1, 2014

I would like to take this opportunity to thank the LORD for all of you who stood by me during the time when we lost one of us whom we loved ,please all of you who stood by me in any way receive my gratitude. I would not forget the lender because of your generosity may God bless you abundantly.

bconrad    Apr 4, 2014

Dear Lenders,

Although Ms. Kihara's loan has been written off, I wanted to take a moment and update you on her situation. She emailed us the following today:

"Since I wrote to you about the illness of my brother, since then he have been in and out of hospital and was ailing with cancer. On Tuesday night he passed away now we are preparing to burry him on Tuesday on 8th 4, 2014 before us is hospital bill and burial expense. With God’s help after all things I know I will go back to the track of paying. Please bear with me"

Please keep Ms. Kihara in your thoughts as she navigates this difficult time.

Best,
Bayle, Zidisha Team

hriday    Feb 9, 2014

Dear Lenders,

I'm glad to inform you that Ms. Kihara contacted us yesterday explaining why she was unable to make payments and that she is trying hard to get back on track soon. Please allow me to share with you her email to us -
" I am very sorry I have not been able to make payment for a long period now, my business have not been doing well I have been getting about 7000 which is very low. I have also been having some other problems outside the business concerning our family in November we lost our uncle and in December a brother was hospitalized and up to date he is now recovering and in all this things in an African sett up we have to contribute and also to take of the family, so please bear with me i promise to start paying i am looking for a way out to solve the financial problems.
Thank you very much.
Mary Kihara"

We have encouraged her to write to you all directly but meanwhile, thank you for your patience and continued support!

best,
Zidisha Team

Simon    Oct 16, 2013

Am simon chira from Gilgil am happy to have you as my volunteer mentor,I hope to keep in touch for us to benefit from Zidisha.

Mary    Oct 7, 2013

I had promised earlier that i will be paying some small amount but i sorry because the month that has ended i was not able to make any payment I fell sick for the better part of last month September and used the the amount on medication even up to date I am still on medication i have not recovered fully so please bear with me i hope to resume soon after I regain my health.
Thank you

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  JakeA    Oct 10, 2013

  Thanks for the update!

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  JakeA    Oct 10, 2013

  Thanks for the update! Hope you feel better soon

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Josephat    Oct 2, 2013

hallo mary! how is jane doing ha s she recovered from the injury mwanbie pole na apone haraka. thuo

Mary    Sep 3, 2013

I had rescheduled earlier and last month i had sent a message with the information of my business and we agreed because i have i already rescheduled i should be paying amount to be able to update my payment thank you. paid 2,610 0n 31/8/2013 i will be doing so as i get money DX26DD357 and has not been reflected in my a/c.I will try my best to see it that i have updated my a/c.

Richard100    Aug 17, 2013

To Francis: Best wishes to you, Francis, with your crops and livestock. It is a difficult business, but you have the heart and strength to do it.

Mary    Aug 13, 2013

Thank you zidisha team for the good work your doing it has it helped to uplift my business and also to be able to cater for my family thanks a lot .My business is doing well although since June the business have been low.

rhagen    Jul 31, 2013

Dear Mary,
Hope all is well on your side and that your daughter is enjoying her time at college. What is she studying?
I have a question: do you know how Laban Thuo is doing? I have not heard from him since late May. I am asking since you are his mentor.
Best,

Richard

Mary    Feb 18, 2013

I would like to change the installment period because i have been given a chance for my daughter to join a college and i have paid a lot of money so it will take some time for that gap to be filled. and be able to continue paying as i have been doing I am very sorry for any in convenience please bear with me.

• Hope2012    Feb 18, 2013

  That's fine by me - in fact it's great news :) I wish your daughter all the best in her college ;)

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LA    Jan 18, 2013

Hi Mary,
Do you have an idea of when you will be able to begin repayment?

Mary    Nov 16, 2012

Thank you Zidisha team for giving me the loan. I used the loan to buy one computer and other printing materials.i I also bought 300 broiler chickens which 80 of them died. instead of getting a profit a never got the profit that was expected to be able to give out the amount required of 12546. so, I would request the Zidisha team to give me sometime up to Jan when I can be able to organize myself and be able to pay the amount
Thank you.

Mary    May 12, 2012

I changed the business of broiler to the business of printing and I have been doing very well, have been paying the loan very well and at the right time. Some of the institution which are surrounding have been giving work and have been delaying the payment. I would need to be given up to June to re organize myself and continue paying as usual.

Sander    Oct 4, 2011

Hi Mary!
How is life going? Hope all is well and that the drought has not struck you too heavily?

thepaddy    Aug 21, 2011

Feldborg, Zidisha is about investing money! In fact, if it was not about making money it could not help! Guess a interest-rate of 3 or less %...no one would invest, except for people that would donate money. The people that get investments to also invest money, what is called a win-win situation. If the interest-rates drops in average under 3% it makes no sense to invest, so the lendtakers couldn't invest eather what makes it to a lose-lose situation. Zidisha raised loans of about 82.000 US$...think about what a new Mercedes Benz costs and then rethink your statement. Right now for me it is just fun investing a few bucks here and there. I would invest more, but as long as "0% Investors" could kill every good deal, it makes no sense to me to invest a few thousend dollars because it simply doesn't pay compared to other investments.

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  Errol    Aug 21, 2011

  You make good points; another thing to consider is that the nominal interest offsets the risk that borrowers might default. It's good that repayment has been 100% thus far (albeit some of it late), but there's no guarantee that it will remain so in the future. As Zidisha lenders, we are also exposed to currency exchange rate risk. I think it's reasonable, over the long term (say 10 years), to expect a certain percentage of losses due to default and currency price movements. I have no idea what that percentage might be, but I wouldn't be surprised if the typical 3% interest just barely offsets it, so that in the long term, the return is near zero. So, as Feldborg says, it's philanthropy, but with a low interest rate serving to offset some of the risks, thus extending the "philanthropic power" of our (effectively) donated dollars.

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