Change through safety

Coming from a humble background, Anthony Gitambe made a conscious decision to bring about change within his locality in Bahati, which was infused with problems of poverty and drug addiction. He did this through creating a chicken broiler project, which in turn, would generate employment for the youth population of that area. In order to bring about this transformation, Mr. Gitambe came to Zidisha for a loan to start up his business. Below is a recent account of the progress of his business:


Hello, my name is Dan Cembrola, one of Zidisha’s Kenya Client Relationship Managers. I am currently visiting Zidisha borrowers in Nakuru and its outskirts.
Zidisha borrower Anthony Gatembe resides in Maili Kumi, a small town 18 kilometers north of Nakuru. It is at his new home here where he is starting his next business venture. His previous endeavor, a poultry farm ran into a harrowing obstacle when 80% of his chickens contracted Newcastle disease. Fortunately, due to Anthony’s earnings at his second job as a driver between Nairobi and Nakuru in addition to the funds he saved from his Zidisha backed poultry business, Anthony was able to purchase a piece of land in Maili Kumi. He plans to repay his current loan in the following week and refocus his efforts.
Anthony has been practicing farming and agriculture since he was a child. On his new property, he is currently growing maize and other assorted vegetables to be sold to the rapidly expanding customer base in Nakuru. His long term goal is even more ambitious. By November, he plans to purchase a cow and begin a dairy farm on his new property. In addition to Anthony’s lifelong knowledge of rearing livestock, he has researched the local market and is well versed on what he can expect to receive in return for his investment.
He calculates that a cow could produce 40 liters of milk each day. With the local price hovering between 30-40 Kenyan Schillings per liter, Anthony expects to make between 800-1,000 Kenyan Schillings after production costs. In addition to strictly selling milk, Anthony also plans to take courses to learn how to produce yogurt and cheese from the milk, both of these products would increase his profit margin.
Losing 80% of his chickens could have been debilitating financially to Anthony, but because of his ambitious and ingenious use of his Zidisha loan, he is now embarking on a business venture that he believes will be both more safe and profitable.

Photographs & Farmers

To keep interest rates low for borrowers, Zidisha eliminates the middleman and relies on hardworking volunteers and interns. To find out about opening positions, click here. Our Client Relationship Interns work diligently to connect with borrowers and bring lenders up-to-date about them. Here are more posts from Achintya in Kenya:

Andrew Mbugua 
I visited the business premises of Andrew Chege Mbugua.
Andrew runs the business of instant pictures. He has a desktop computer, a digital camera, a printer and also a small photocopying machine. Most of his clients come to him to get instant passport sized photographs, which they had to get from Nakuru earlier. Andrew’s printer cannot print beyond small sized photographs and he feels that there is a potential demand in Kiptangwanyi and nearby areas for larger photographs (family photographs for example)

He wants to invest the loan money in either buying a bigger printer, or replacing the old one before it breaks down (last time it broke down, it was three months before he could get a new one). He also wants to buy what he calls a “state of the art” camera. This would cost him 20,000 to 25,000 shillings. Always a businessman, Andrew offered to exchange his camera with mine (which has lesser megapixels than his, but is green and sits in a red cover which perhaps made him think it was better than his). I said “sure, as soon as you get your state of the art camera”. There was general laughter at this (there were many people who had collected to watch the discussion/interview)

Of all the people I have met here, Andrew is the first one who has been to college (even though I must add that the general level of education in rural Kenya is exceptionally good). His wife is a teacher. He wants his kids to study even further than him and do well in their lives.

As a last note I’d like to add that it is hard to believe that Andrew is 35 and has 2 kids. He doesn’t look a day beyond 25 (when I told him this, he was quite delighted-I guess a little vanity finds us all some time or the other) 


To read more about Andrew, check out his profile page!   

Paul Ngugi   

Two things I observed about Paul- first, Paul is truly ambitious (this seems true for many Zidisha clients). He wants to go places, and looking at his energy (he starts his day at 6 in the morning, working on his piece of land till noon, whereafter he takes care of his shop, while also finding time to graze his animals, visit Miti-Mingi or Nakuru to buy supplies and act as a de facto Zidisha coordinator), I have no doubt he will.

Second- Paul has practical, doable ideas about how he wants to go there. He used his Zidisha loans for his shop and to buy large quantities of grains from farmers, which he sells to traders from the towns. He was also able to buy a piece of land and construct rooms, which he now rents. 

His plan now is to make a cattle-shed where he can provide food to his animals in the enclosure, without the hassle of taking them grazing. He wants to use his next Zidisha loan to buy ‘high quality’ cows. Not speculating and trying to exploit season shifts in grain prices, he appears to have solid plans based on data. For example, he plans to sell the milk to the Milk Cooperatives who pay a better price (around 4 shillings more per liter) and also guarantee purchase.


I was able to meet his three sons, his mother (who is also a Zidisha client), his aunt and his two donkeys (Toto and Kijana). Everyone smiled for the camera (except the two donkeys, who turned their faces away in disdain at human frivolities) 


To read comments from Paul and older reports from interns, head over to his page!