I Am a Business Lady

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By Betsy Ramser Jaime

Lornah Nachair was born into a middle class family with four siblings. As a child, she loved going to the farm with her mother and always had a curious mind, asking lots of questions about farming. Unfortunately, with the passing of her father when she was in form 4, she knew she would need to stay at home until she could eventually save up the money to attend college. Later on, after she finished secondary school, she set her sights on becoming a secretary and hoped to eventually become an entrepreneur.

Although her first job out of school was not well-paying, she was able to slowly save some money, laying the initial foundation for what her business is today. To explain what her business is today, Lornah shares, ‘I do photocopy and typesetting in my business. This business generates a lot of income which am able to sustain and run other activities both in my house and my business, if my company will grow I will help people around me to get employment and also invite them to come on board and get a Zidisha loan for them to venture into business.’

As a hardworking businesswoman, Lornah is also able to set a great example for her teenage daughter who dreams of becoming a journalist and TV presenter! In addition, Lornah explains that in her free time, ‘I go out with friends who are ready to explore new ideas and expand their business and when am free I go to church to practice songs for Sunday with my fellow praise and worship team.’

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Lornah has successfully raised 7 loans, along with the help of Zidisha lenders. With her first three loans in April, July, and September 2017, she started out by purchasing photocopying papers, printer cartridges, white out, stepping pins, small equipment, and an antivirus program for her computer. While these three loans combined, totaled less than $35, she was able to make this small sun go a long way towards advancing her business.

As 2017 came to a close, Lornah was in need of her fourth Zidisha funded loan, for $68. With this loan, she was able to have her computer serviced. This was essential, as having a well-functioning computer is an essential component of her business.

As business continued to grow for Lornah, she approached lenders in April 2018 with a request for a $174 loan. With this loan, she hoped to purchase a second computer and also determined that it was time to hire an employee to help her in the business.

Fortunately for Lornah, her good fortune was only just starting, as business continued to increase throughout 2018. By August, she was ready to raise $273 from lenders to help her purchase an additional printer and computer. In addition, she was also excited to extend employment to the youth of her community. She shares, ‘I have known my people very well and I want to elevate the youths to better people in the society. Thanks Zidisha team to enable me to be an employer and not just a business lady.’ For Lornah, being able to employ her fellow community members is a huge honor.

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Following her August loan, she was able to share this update with her lenders, ‘I am a very happy applicant. I bought the computer and have now employed someone and now my customers are very comfortable when they come in. I have seen my business grow to a level I did not expect because of  the Zidisha team. Zidisha thanks so much and my lenders may God expand your territories.’

Lornah was able to secure her most recent Zidisha funded loan in October 2018, as she raised, $407. She shares, ‘I am a single mother with one daughter who is having school fees arrears in school. I thank Zidisha for at least they have helped my business grow and now I can support myself in the house. But since I am having arrears in school I wish part of the money to pay school fees and the balance I may add stock for my business.’

For Lornah, entrepreneurship has drastically changed her life. Having a business and becoming an employer have allowed her to become exactly the type of mother and woman that she hoped she could be. Lornah says, ‘Thanks so much Zidisha for making me a proud woman. God bless my lender’s, you are great people. I want to thank my lenders because before I joined Zidisha I used to struggle in my house and business could not be maintained even for two months, but since I joined Zidisha I pay school fees myself and I pay my bills. Thank you so much for changing my life.’

Would you like to empower another mother and business owner like Lornah? Make sure to head on over to our Browse Projects Page to read about dozens of other entrepreneurs making a difference in their communities!

From Teacher to Business Owner

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By Betsy Ramser Jaime

Before venturing into entrepreneurship, Osmond Ndegwa spent more than 10 years working as a teacher. He shares that his schooling and training prepared him to be self-reliant and disciplined, both qualities that serve him well in his business. He’s also extremely proud of the fact that all three of his children have completed university and are now working.

In his business, Osmond owns a metal workshop where he produces: wrought iron gates, grills, and windows, all of which are in great demand in his community.

Prior to teaching, he was trained in welding and motor vehicle mechanics as a boy. He explains, ‘The business has grown and now I have started a hardware shop for selling the materials that are needed for welding. My customers are the welders near my location.’

Upon joining Zidisha in February 2016, Osmond raised $150 from Zidisha lenders in order to purchase new materials for his workshop and store. This provided him with the boost he needed to keep going.

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Shortly thereafter, he raised his second loan, raising $302 in June 2016. With this loan, Osmond bought metal bars, square tubes, and mild steel plates. Osmond explains, ‘This will help me save on transport since the number of times and the time I spend when I go to do the purchase will be reduced. This will make my profit to go up and thus benefit my family. I go to purchase at least 4 times a week and use about US$20 per trip, if this can be reduced by half then I will save US$ 40 every month and of course the profit will increase due to the increase in volume of the purchase.’

One of the amazing benefits of the lender/borrower relationship, is that borrowers are given the capital to buy larger quantities of stock and other items that they would never be able to purchase on their own. In the long run, this can save them considerable sums of money and also time, benefiting both borrowers and their clients and customers.

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A true entrepreneur, Osmond started thinking ahead about expanding and growing his business. To do this, he decided to purchase a machine for making steel window hedges, costing approximately, $450. Additionally, he set out to buy the metal plates that he would cut with the new hedges, at a cost of $200. In total, for this Zidisha loan, he was able to raise, $610. Osmond predicted that these changes would result in an income increase of $100 per month and would also put him in a position to employ one person in his business.

By September 2017, Osmond found himself in need of new stock. Fortunately, through the help of his lenders, he raised his largest loan yet, $1,118. Specifically, he bought, hollow section tubes in different sizes, metal plates, welding rods, and zed and tee bars. Beyond this, he also had an idea to start selling plumbing pipes and fittings. Osmond confidently shares, ‘The purchase will bring in new customers who I had not targeted earlier and shall save the customers time since the goods will be closer. I intend to have an increased profit by up to 50% and I know that this is achievable.’ After receiving his loan, Osmond shared, ‘I thank all lenders for their willingness to lend for it’s a rare gift you have. I’ll put the money in my business and hope to repay in good time so other people can benefit.’

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Recently, on March 1, 2019, Osmond took to his discussion page to share this heartfelt update with the Zidisha community. ‘First I want to thank all the lenders who believed in me and the Zidisha team for giving needy small business entrepreneurs a platform to borrow money for empowering themselves. I will buy a generator assembly without an engine, a motor, battery, solar panels, a flywheel, and other items to help me build a system that will generate electricity.’

In addition to making a huge impact in his own life and his family, Osmond also deeply cares for his community. He loves to assist the less fortunate so that they can be empowered to change their lives for the better!

Would you like to help Osmond, and also empower others? Make sure to head on over to our Browse Projects page to read story after story of determination and perseverance.

Being a Light

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By Betsy Ramser Jaime

Raised by his great grandmother in a village, Francis Mbewe grew up studying with a kerosene lamp. He shares, ‘every month I missed school due to sickness caused by the fumes from the kerosene lamps. It’s an experience I don’t wish any child or woman to go through.’ His grandmother worked hard and put her small earnings towards medication for him.

While his great grandmother and aunties were steadying influences on his life, he was also forced to grow up seeing his uncles abusing his aunties and spending their money on alcohol. Francis explains, ‘I grew up knowing the challenges women go through. I grew up knowing that when a woman is empowered then the whole village is empowered. I saw it through my great grandmother Sofia and through my aunties.’

While some might view these experiences as stumbling blocks, not for Francis. Instead, he’s been able to use his background to change the trajectory of his life and career path. In his own words, ‘I chose to be a Social Entrepreneur so that I can create opportunities for women and girls. So that I can enable women and girls to have equal access to products and services that can put them on a road to economic prosperity.’

And that is exactly what he is currently doing in his social business called, ‘Kukula Solar.’ The aim is to distribute 100,000 solar products to rural and peri urban communities throughout Zambia. More specifically, the goal is that 90% of these products will go to women and girls. By doing this, girls can study for longer periods of time and women can work hard for longer hours.

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Francis says, ‘It’s here at Zidisha were we launched this social business and together we have distributed over 3,000 solar lanterns.’ Throughout his partnership with Zidisha, Francis has been able to raise 4 loans with the help of Zidisha lenders.

In addition to his love for solar products, Francis also operates a business center where he does printing work, primarily for students. With an initial loan of $200 in March 2016, Francis was able to purchase additional printer toner for his business center. This allowed him to increase the amount of printing that he was capable of doing.

With his next loan of $321 in June 2016, he set out to buy more solar lamps to re-sell to students and families in his community. He shares that these people don’t have any access to electricity and are forced to rely on kerosene, candles, and batteries. At $10 per unit, Francis intended to purchase 30 units to sell to 30 students and families. Francis predicted that this would allow his solar business to grow by 60% in the first 3 months.

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After seeing the success of the previous loan, Francis was ready for another by October 2016 for $580. He had been able to distribute all 30 solar lamps and in doing so, was able to impact 30 families for the better. With this loan he was able to buy 20 regular solar lamps and 10 solar lamps with mobile phone charging stations specifically for female entrepreneurs to offer charging services in his community.

Francis shares the impact of this loan as he says, ‘This loan will impact the lives of more than 2,000 through provision of brighter light for students to study long hours and through provision of mobile phone charging services to the communities that are not connected to the national grid.’

Most recently, Francis successfully raised a loan for $930 in March 2017. This time he set out to purchase 65 solar lamps to sell to low income households. This would account for $780 of the loan cost, while the remaining funds would be put towards transportation costs for the solar lamps.

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Francis has clearly found a winning business model where he is able to make a profit and also provide a needed offering to his fellow community members. Looking forward, Francis can clearly see the impact, ‘This loan will not only help me make more profits but it will help students increase their hours of study so that their performance at school can improve. It will also help families save money since the solar lamps only use the sun to charge which is FREE! The other benefit is that through distributing affordable clean energy products to these low income households we help reducing global warming hence contributing to building a cleaner and better world for all.’

Would you like to help another entrepreneur like Francis create a better world for all of us? Make sure to check out the Browse Projects Page to read about our other amazing entrepreneurs.

A Local Horticulturist

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By Betsy Ramser Jaime

“My vision is to empower many jobless youths to embrace farming hence eradicating poverty.”

Joel Kandie is a hardworking Kenyan from a large family with 7 children. He earned a Bachelor’s degree in Horticulture and is currently a horticulturist by profession. In addition to his day job, he has been able to construct a greenhouse on the side and also opened an Agrovet shop where he sells farm inputs and agrochemicals. Joel has been running his business for several years selling agricultural farm inputs and equipment and he shares that so far it is running well. As more and more youth are venturing into agribusiness, the demand for his products has continued to increase.

He also has a passion for working with charitable organizations in his community and reading inspirational books. One of his favorites is, “Understanding Your Potential” by Dr. Myles Munroe. He says, ‘I would like to be an employer and help create employment opportunities to both graduates and non graduates.’

With 6 Zidisha funded loans, Joel has been able to steadily grow his business since starting with Zidisha in 2014. With his first loan of $150, he set forth to lease a greenhouse at $20 per month. He also purchased some planting materials. He projected that at first revenue would be $230 a month and expenses would total $140 a month. However, he predicted that after the upfront costs, the expenses would later on be cut in half.

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By the end of 2014, Joel was prepared for his next loan. This loan went towards purchasing seeds. Wanting to diversify his crops, he purchased some in demand seeds such as, ‘onions, garlic, and tomatoes’ and also planned to introduce some new ones including strawberries and cucumbers. He’d had customers requesting these items but did not yet have them available for purchase.

As he continued to grow, he set his eyes on his bigger vision as he shared, ‘My main aim is to expand my small scale greenhouse to commercial farming which will enable me employ people hence create employment to my fellow graduates.’

A third Zidisha funded loan, in July 2015, enabled Joel to buy additional farm equipment, inputs, and agrochemicals. In addition, by expanding and growing his business, this also created the need for an additional worker. Before opening his business, farmers in his area had to travel 50 km to purchase these products. He also hoped to create a competitive advantage by training the local farmers, which is not something offered by competitors.

As 2016 rolled around, Joel was ready to start the year with a $655 loan from Zidisha lenders. With this loan he continued to expand his stock of farm tools, equipment, agrochemicals, fertilizers, veterinary drugs, and animal feeds. He shared more about his trainings as he explained, ‘I will also commit my time to offer after sale services like farmers trainings, farm visits, farm demonstrations and follow ups. As I am a professional in the field of agriculture I will have an advantage over my competitors because I will organize farmers seminars and workshops to train farmers on better methods of farming hence improving their living standards through agriculture because agriculture is the main economic activity in this area.’

For his fifth Zidisha funded loan, Joel was able to raise $1,022 from lenders in September 2016. He explains, ‘Due to the fact that many farms are located in remote areas where road infrastructure is bad I am seeking funding to buy a motorcycle to transport agricultural farm inputs and equipment to farmers. It will cost me approximately $1,100 to buy the motorcycle.Therefore with the $1,014 loan I am requesting together with my personal savings I will own a motorcycle. A motorcycle will help me reach many farmers unlike my competitors hence selling more products thus increasing profit. To farmers I would have saved them long distances of tracking in search of farm inputs. Conducting farmers training, farm visits and farmers workshops will be reliable and convenient thus benefiting farmers. I expect a net profit increase of approximately 15% because I will have an advantage over my competitors as I will be able to meet many farmers. With the profit together with my monthly salary of $300 I will be able to repay the loan.’

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Most recently, in February 2019, Joel raised, $1,138 from Zidisha lenders to help him prepare for planting season. As this is the most important time of the year for his business, Joel knew that he needed to increase his supply of inputs and seeds. He also was prepared to hire an additional worker, bringing his total to 3 employees. The remainder of the loan went towards rent, electricity, and fuel.

On February 14, 2019, Joel shared this inspiring update with his lenders, ‘First and foremost I’m so grateful for your continued support as l grow my business. I used my last loan to buy a motorcycle that helped me a lot to reach many farmers in remote areas where road infrastructure is a challenge. This resulted in a profit rise by approximately 10%. I was able to compete well with other businesses as I had an advantage of accessing many farmers who they have not been reached before. Thanks once again and May God bless you abundantly.’

Would you like to empower another entrepreneur like Joel? Make sure to head on over to our Browse Projects Page to read about our other amazing Zidisha business owners.

Sharing the Love

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By Betsy Ramser Jaime

Samuel Yeboah arrived in Accra, Ghana with a clear goal, getting into the trading business. With a wife and two children, he hopes to give his children the education and opportunities that he never received because of his poor background. He believes that education and technology are essential in today’s world and that as a father, he wants to give his children the qualifications and skills that they’ll need to thrive in today’s job market.

Through his business, his financial goals are to support his family, provide financially towards his Church, and also contribute to a children’s home in his community.

At first, Samuel found himself struggling in his trading business. During the early stages things were difficult as he wasn’t sure where to start or where to find capital. Fortunately, things turned around for the better with the help of a friend and a recommendation to try Zidisha. He shares, ‘I experienced many difficulties, but, God so good, my prayers were answered when a friend recommended Zidisha. I saw it as an opportunity, as a result, and I believe with the help of Zidisha, I will excel.’

Samuel is in the food and health products business. This is his main job and in his words, ‘I do it full of passion, determination and focus, and by so doing I am able to take very good care of my family. I have a vision: to open one more branch at another community in the near future, so that I can employ 2 or 3 people to work there. I believe this vision is achievable with help and support from the Zidisha loan program. I am very happy with my current loan because it will increase my working capital therefore my profit margin will also increase.’

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Since joining Zidisha in 2015, Samuel has successfully raised 10 loans with the help of lenders. Through his initial loan, he raised $100 to increase his stock of rice, corned beef, toothpaste, soap, and local food. By selling these items, he would eliminate the need for his community members to travel to other areas to purchase food and health supplies.

A few months later, in April 2015, his lenders came through with a loan of $169 which allowed him to pay school fees for his son. Samuel gratefully explains, ‘Without Zidisha my son’s fees would have been a problem. I thank God that the loan has come at a right time.’

By August 2015, Samuel was eager to expand his shop. He found that customers would request specific items, but due to a lack of capital, he was forced to limit his available stock. Fortuntely, with the help of a $317 Zidisha funded loan, he was able to expand and increase his stock on hand. Then, a few months later, in November, he raised another loan of $197 from Zidisha lenders to purchase additional rice, soap, milk, potatoes, sugar, and bread.

As 2016 rolled around, Samuel decided that a used car would be a helpful addition to his business in terms of transporting goods for his business. With a loan of $220 from Zidisha, he was able to purchase a secondhand vehicle.

The following year, in 2017, Samuel secured three substantial Zidisha funded loans for $491, $827, and $1,371. The three loans were used to purchase additional food and health related stock for his shop. For example, he purchased: rice, cooking oil, flour, sugar, milk, soap, yams, toiletries, eggs, chicken, fish, sausage, and gizzards. Samuel was very deliberate in choosing stock based on what his customers specifically requested him to carry in his store.

Most recently, in 2018, Samuel was able to raise two Zidisha funded loans. The first loan, in May, was for $394 and the second in June was for $1,541. These loans propelled Samuel to purchase a freezer and start selling frozen food items in addition to what he already sold.

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Proud of his continual progress, Samuel shared with his lenders, ‘I have been with Zidisha since 2015 and I will continue to be an honest member as long as Zidisha exists. Since I became a member I have experienced a tremendous change in my finances, my earning has increased so as my savings towards a plot of land I have acquired recently. My last loan was very profitable and increased my daily sales by 4% and profit margin by 3%. It made my earning from the time more and I was able to finish paying before the estimated time. My goal is to put up a two bedroom house for my family. I also pray that Zidisha continues to fund my loans at every point in time so that my dream will come to pass.’

In February 2019, Samuel was proud to give the Zidisha community an update, ‘Many thanks to my Lenders for your support and kindness towards my progress, my family are happy and appreciate your help. For the last 3 months we have also been taking care of a single parent with 5 children in our community and we believe this will continue as long as I am receiving loans from you.’

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Would you like to empower another devoted entrepreneur like Samuel? Make sure to head on over to our Browse Projects page to read about our other incredible business owners!


Living The Dream

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By Betsy Ramser Jaime

Isaac Gyapong is an avid learner. Born and raised in Ghana, he was fortunate to receive an education all the way through the high school level, even earning a scholarship for his high school studies. Upon graduation, he attended the University of Cape Coast where he studied Geography and Sociology. This earned him a Bachelor of Arts degree in Social Sciences.

Growing up, he was the youngest child in a family of all sons. He shares that his favorite game is football and he always enjoys reading when he has some free time. His hometown of Tanoboase is known as a farming community and the most common crops are tomatoes, maize, cashews, and mango’s.

Right now, Isaac has multiple sources of income as he is currently employed as a teacher with the Ghana Education Service, and has a supermarket business where he sells all kinds of goods to his community members. Because of this income he is able to help support both his family and also help out the community as well. Through his generosity, he has helped abandoned children by supporting them to receive daily meals and helping them register for health insurance. He shares, ‘It is my hope to establish an Orphanage house in the future to help children who don’t have caretakers in my community.’

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He’s also planning for the future as his latest venture is taking him back to his Tanoboase roots, in farming. He’s begun planting both cashews and mangos and is excited to reap the benefits in the next few years!

Since 2016, Zidisha has played a major role in Isaac’s life in pursuing his education. With 6 successful Zidisha funded loans, he has completed his education all the way through the Master’s level and is now on his way to a PhD.

In 2016, Isaac raised 2 Zidisha funded loans, in May and in September for $200 and $384. For Isaac, these loans allowed him to pay his university tuition fees which set him on the path towards being certified to teach.

By 2017, Isaac was ready to start his Master’s of Philosophy studies at the University of Cape coast! Combined with his own savings, Isaac raised 2 Zidisha funded loans to pay his tuition for the year and purchase school books. The first loan was for $592 in February and the second was later that year in October where he raised, $1,179. For Isaac, these loans and education will really make a difference in his future job prospects as he shares, ‘If I finish this program I will acquire a higher degree which will help me to get a higher rank in the workplace in the future.’

On October 17, Isaac couldn’t wait to update his lenders as he shared, ‘God richly bless all my Lenders for such a wonderful contribution towards my education. Due to your great support it has left me with only one semester for me to acquire my professional Certificate in Education. I will soon become a professional teacher. Thank you and God bless you all once again.’

As Isaac continued his Master’s studies in 2018, his Zidisha supporters were there to help him with funding. A $1,735 loan in May 2018 allowed him to continue his studies as he worked hard to complete his thesis.

Upon receiving his loan in May, Isaac expressed his gratitude and appreciation for each of his Zidisha supporters. He said, ‘Dear Lender’s in fact you have done an amazing thing in my life. I will never forget this in life. Zidisha is a great community indeed. Only words cannot express my sincere thanks to my lenders, I wish I could send a video of how happy I am and the kind of prayers I am saying upon all your lives. May the Almighty God reward you all for such a wonderful support you have done in my life. The loan has really improved my life.’

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Most recently, in January 2019, Isaac shared his new dream and vision with lenders, ‘Dear Lenders, I really appreciate your support during my previous loan. I have now been awarded with a Master of Philosophy Degree (MPhil) at the University of Education Winneba, Ghana. My aim is to become a lecturer one day at University but the requirement to become a lecturer is a Doctorate Degree (PhD). I therefore want your full support financially to help me push forward to acquire my PhD degree to accomplish my dream. I will use this loan to pay my fees ($2000) and buy all the necessary materials that will help me in this Program. I will be very grateful if you could support me in this course. Thank you all.’ With a loan of $2,763 from lenders, Isaac is well on his way to his doctorate degree.

Would you like to be a change maker in the life of another Zidisha entrepreneur or student? Don’t forget to make your way over to our Browse Projects page to read about our inspiring entrepreneurs!

My Dreams are Valid

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Betsy Ramser Jaime

Joseph Kamau is a an entrepreneur and change maker in his community! However, his success has truly been the result of hard work, innovative thinking, and persistence. Starting out, he grew up in a single parent household where his mother struggled to make enough money to send him to school. By secondary school, he was forced to start working as he didn’t have the funds to continue his education.

In his first job, he was employed as a turn boy for a truck of garbage collectors. He shares, ‘I worked there for years and was able to feed my family and I.’ This laid the foundation for him with a strong work ethic and an entrepreneurial spirit that he would carry with him.

Currently Joseph is employed as a driver and he has a small shop selling milk and eggs. Giving credit where it’s due, he shares that the business was actually his wife’s idea and that she helps in managing the business. They also have a young son and Joseph believes that one day he will be an engineer! He shares that, ‘ I do work hard to make sure that he will have a better future. When I am at home I like reading novels, and traveling with my family.’

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Within the Zidisha community, Joseph is an impressive entrepreneur with 7 successful loans and a 100% repayment rate! For the past 3 years, he has been able to slowly and surely increase his stock and build his business with the help of Zidisha lenders.

Starting out as a new Zidisha borrower in April 2016, he sought out $100 to increase his overall stock of milk and eggs. Even with small beginnings, he could easily envision what his business could grow to become!

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In August 2016, Joseph was faced with a problem that many entrepreneurs experience. He had a second hand freezer that was costing a lot of money to be repaired over and over. He realized that through all of the repairs, it would be more effective to purchase a new freezer rather than spending more money on repairs. And, with the help of Zidisha lenders, he was able to raise the $200 he needed to make this happen! He thankfully shares, ‘Am very happy to be part of the Zidisha team, my dreams are valid. My business is doing well and I thank you lenders.’

By 2017, Joseph had a new idea for his business. Rather than continuing to purchase his eggs from a third party, he decided to go straight to the farmers. Furthermore, he successfully raised a $371 loan from lenders and this allowed him to restock his egg supply. He also saw this as an opportunity to create employment for a youth in his community as he sought out egg suppliers.

A few months later, in October 2017, Joseph came up with a new and innovative idea for his business. As he is in the milk business, he decided to purchase a vending machine for milk. He predicted that this would make his everyday work easier and this would also give him a competitive advantage over his competitors. By November, he was granted a $510 loan from lenders to help make the vending machine dream a reality.

Joseph excitedly says, ‘Due to high increase of vending machine customers are preferring it. This machine is accurate and hygienic. If you grant me the loan I will be able to introduce the machine in my shop. By installing this machine my sales will go up to 70% from 50% in Selling.

By January 2018, Joseph was truly reaping the rewards of his hard work and partnership with Zidisha. He proudly shared on his discussion page the following message, ‘Since I got my loan from Zidisha I can say my present is so bright. The vending machine which I bought is doing well and the selling increased. I used to sell 50 liters of milk now am selling 120 liters. I can say that my earning is capable of paying back the loan and feeding my family. Thank you all my lenders.’

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Most recently, in January 2019, Joseph approached lenders for his largest loan yet, of $728. He explains, ‘Buildings are being built everywhere without considering sewer line and garbage disposal. I came up with an idea of collecting and disposing where it’s supposed to be. I went door to door and negotiated with the landlords to pay some amount to collect and carry it. We agreed and payment is done once per month and I’m collecting once a week. Since I don’t have my own track/Lorry I’m hiring, I do pay the owner of the truck.’

Fortunately, his lenders were happy to help him continue to grow! By January 31, he had received the loan and was ready to pay for the truck. In addition, he is also able to employ two men to help him collect the bins. Through his time with Zidisha, Joseph has been able to provide for his family, create 2 businesses that are meeting needs in the community, and employing others so that they can also support their own families!

Would you like to empower another entrepreneur like Joseph? Make sure to head on over to our Browse Projects Page to read about dozens of other change makers like Joseph!