Patrick

Kilifi Vipingo, Kenya

100% repaid

Entrepreneur

Name

Patrick

Member since

August 2013

On-time repayments

59 installments  •  46%

About Me

I am Patrick Chiro charo, a young man aged 25 living in Mtwapa coast Kenya and a christian by faith who also respects other people's religions.
I went to vipingo primary school and later joined shariani high school . After some few challenges i had to drop from the university, started a charcoal business, moved to computer service business and got money to go back to school to complete my course. As a young man, who was raised by a single parent who was not financially stable, it was a difficult time rising by by own.

However, have benefited from Zidisha and that is the money which helped me grow my business to creating the fund to help me finish my studies
I had challenges at the beginning maintaining my credit score in my repayments. It was difficult balancing studying and business until a time later when i opted to close my business , get the whole money for schooling.
It is at this time i was in school when i developed alternative business ideas and currently persuing them

My Business

During my time in school, i learnt some IT skills and now i can do digital marketing. I am a web developer, graphics designer and as seen in the profile, i am a disc joker, DJ Bembela, who just joined the industry on a part time.
So my business currently is doing events where i go with my public address, i dj and get paid on part time. My clients are mostly meetings of government and private stakeholders.
Primarily, i do digital marketing where i develop websites, do graphic designs and do print work.
I get my customers to do web designing and graphics through posting my done work in some whats app groups and visiting private and government offices, banks and through referral links
I have customers coming in to seek my services because i do work of standard at a subsidized charge

I have a passion in helping the community that is why i subsidize my services. I train less privileged boys and girls for free in my community so that they can seek employment at computer services firms and hope one day i will be able to have a whole company running with these services fully where i can employ people

Loan Proposal

Thank you so much for approving my loan for funding. I will use this loan to add stock in my business and I am also targeting the coming holiday where most of the people will have come from town and I will be ready to do business with them. I will also use this money to marketing my business as I wish to reach certain places that I have not reached.
Thank you so much.

Feedback

None

None

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Loan Info

Project Type

Classic Loan

Disbursed amount

$100.00

Date disbursed

Sep 9, 2013

Repayment status

On Time

Projected term

25 months

Other loans

Lenders

SeeMeeFi

Ontario, Canada

AdvancingCompassion

San Diego, United States

Hedwich

Gorssel, Netherlands

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  • Patrick    Jul 16, 2016

    after a stop due to the traveling i had out of the country it was hard for me to make the payments using mpesa. i therefore wish to increase my repayment amount to clear my dues

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  • Patrick    May 22, 2016

    I need to recover the lost repayment rate en finish early so that I may qualify for something bigger

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  • Amos    Mar 18, 2016

    Hi lenders I have spoken to Mr.Charo and he has promised to make payments later today..Amos V M Mtwapa

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  • Patrick    Jan 18, 2016

    i have prooved january to be a hard month my business is not doing well i need some time to catch up as the season peaks

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  • Patrick    Dec 7, 2015

    i was credited today early in the morning.
    i will buy a minutes bundle to facilitate me communicate and reach my clients. this will reduce the walking that may have been required thus i will use the time to do more business.
    logistics are the heart of my business.

    the rest of the amount has been deducted to pay my member loan fund and am happy about it because my lenders will not cry going on losses. i believe everyone who has contributed in this pool is really a serious entrepreneur and together we grow the economy!

    everyone who is contributing to my success will be happy anytime soon because i will make amazing things happen!

    am the next big thing!
    aspired for a great destiny

    THANK YOU TO ALL MY LENDERS AND THE ENTIRE ZIDISHA FAMILY

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  • Patrick    Dec 3, 2015

    hey my zidisha team...
    am very grateful for every support i get from this platform.
    at last, my loan has been fully funded en waiting disbursement anytime soon..
    Am happy en i know it has taken a lot for all my lenders to shoulder a hand to see my loan funded.
    i thank all my lenders and anyone's contribution to this far...
    my promise to my lenders is, I'L never let them down en I'L really make them feel great having contributed to my success!!!

    am the next big thing!

    ...aspired for a great destiny...

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  • Patrick    Dec 1, 2015

    having hopes for the success of my second application, i can promise lenders of my commitment with enough experience to take me forward. maintaining a great repayment rate is my target.
    what is more challenging is starting something always but what i believe is after successful completing something one gets the experience to make things happen better than they were

    Aspired for a great destiny.

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  • Patrick    Nov 24, 2015

    only have some hours to go and am at a 65% ark. Il be glad hitting the 100% mark before time ends. Here was born a young entrepreneur who finds the resources by himself through all means. this specific fund will make a difference!

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  • Patrick    Nov 9, 2015

    hello Samson1980

    thank you very much
    as i always wish, is having a bright future..
    am asprired for a great destiny.
    as a result, this makes me put up more effort in everything i do.

    i now plan to do the member loan fund en my target is to stop at a 95% repayment target

    thanks once again en am appealing for more support to keep me moving...

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  • Amos    Nov 8, 2015

    Hi patrick First is to congratulate for organizing things at an early age..keep it up and this shows you a great future ahead . Amos V M Mtwapa

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  • Patrick    Sep 29, 2015

    at last, i made it,,....
    it was a challenge going through the start up business but through the experience i made it though it took me longer to repay it... not as to how i expected it..

    am very well prepared to take up bigger challenges now...

    thank you all my good people

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  • Patrick    Jan 26, 2015

    hello all my lenders... its a great year en things are peaking up....

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  • Patrick    Dec 22, 2014

    as christmas comes, il still put in the giving heart.
    i believe the little i have, i can share with the few people who are needy.
    i will donate a couple of clothes and toy to the rescue centre around me...
    There are orphans and vulnerable children who are in a child rescue center so the little i have i will share and i believe that's the best way.
    i will wind up by sharing a meal with family.
    it will be great here the whole clan will be converging at one place here in vipingo coast kenya.
    Expecting like a minimum of 100 people..
    we shall share drinks, foods, any other things and do a Christmas Santa.
    i wish my zidisha family could join me..
    welcome all

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  • Patrick    Dec 22, 2014

    thank you Hedwich. totally improving.
    am proving the challenges that came to me was a lesson to make me grow...
    its me here i stand so firm again.
    soon expanding my business next year 2015 when God wishes..

    Am grateful for my Zidisha team
    its possible!!!

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  • Hedwich    Nov 29, 2014

    Hi Patrick,

    Thanks for your repayment! It's great to hear that your business is doing better again. Keep up the good work!

    Hedwich

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  • Patrick    Nov 25, 2014

    business photo

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  • Patrick    Nov 25, 2014

    am getting on well.
    I have a new strategy that is working pretty good.
    I realized that challenges is part of growth and I can share this knowledge and best approach to go about challenges in business.
    am going on well en hope to be stable soon.

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  • Patrick    Nov 14, 2014

    recovering from the wounds of loosing my documents, i have acquired my academics certificates back, following up the other business licence now.

    my slogan for this last quarter of the year is "making things happen''

    new move

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  • Patrick    Nov 12, 2014

    I lost my account details from my previous email address, my phone and all important documents that could link me to my account. Its up to when I got a courtesy reminder to repay my loan when I got the contact mobile number for zidisha. I had even increased my loan amount but now that I was stuck on how I could get back the contacts and I went out of the country, I was using the little money I had. However, I now got the account information back. New email and Facebook account is also active. I would like to maintain an on time payment. The fact that its like am starting a fresh most of my things, I need time to settle up because my business is still very small to rely on.
    I have a registered purchasing and supply sole proprietorship company that will be generating income to me on top of my charcoal business that contributed to the idea of a cyber café providing mostly computer services. I plan to kick everything on a new pace by January for fruitful 2015!!!
    I also went back for my university education and I still have to get the money to pay for my studies by myself. I have very high hopes of realizing my future through business and so I would like to still maintain the relationship with zidisha by following the instructions. I believe in the next 6 months or even before I will be thorough with my repayments because I am working on very smart, accurate and straight plans that will make me achieve everything am doing.
    I also appreciate and also thankful for the little zidisha gave me. Indeed, it made me develop the competitive mind believe that I can make it and indeed its what made me whom I am today.
    Gratitudes to the zidisha team for making me whom I am. After the adjustment it will be a new move.

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  • SeeMeeFi    Jul 18, 2014

    I'm proud of your dedication, Patrick! Thank you for continuing to focus on your business and on repaying your loan. Don't give up! You will succeed if you just keep paying off a little at a time! Best wishes!

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