The Clack of Keyboards

by Rebecca Wolfe, Entrepreneur Story Writing Intern


The clack of keyboards is a constant sound in Elijah Mwenja’s life. The sounds of a computer mouse sliding across a mousepad and a customer’s laughter as she jokes with her friend seated at the computer station next to her are likely also very common occurrences in his busy cybercafé in Githuri, an area of Narobi, Kenya.

Elijah is an amazing example of a self-starter. Entering the workforce in the construction industry, he saved what he could and eventually stored up enough to start his own poultry business in 2008. Entering the realm of entrepreneurship through this endeavor, Elijah grew his business to a capital of more than ten times the funds that he began with. Three years down the road, he was ready for a change. Having a long-standing interest in computers and networking, Elijah, his wife, and his son, started up the cybercafé in 2012. The café is a gift to local residents, enabling them to access information, communicate with distant friends and family, and type up and print their personal, business, and academic documents.

In January of 2015 the booming business began to take its toll on Elijah’s supplies. His café’s printer had worn-out nozzles and was no longer printing as it should. Around that same time Francis Kamau – a neighbor, friend, Zidisha microloan recipient, and owner of a Nairobi hair salon – invited Elijah to join Zidisha. With a small, $100 loan funded by nineteen different lenders from Europe and North America, Elijah was able to buy replacement parts and have the printer professionally repaired. The printer was soon up and running again, shooting jets of black ink onto smooth white pages. Six months later, having faithfully and efficiently repaid his previous loan, Elijah posted another proposal to Zidisha. This loan of $187, funded in June 2015 by a single lender, allowed Elijah to expand his cybercafé business to include a new computer, reducing customer wait time and increasing profit. In later updates, Elijah stated that this new unit was “one of the computers that [his] clients prefer using.”

As Elijah and his family continued to prosper, Elijah’s wife began to see her long-held dream of continuing her formal education as a financial possibility. Possessing a “gift and passion for business,” and boasting a strong track record of successful business development, Elijah’s wife hoped to pursue a degree in business. In December 2015, that hope came to fruition. Elijah applied for a Zidisha loan of $366, a sum which covered the cost of the first installment of tuition fees at Kenya’s Zetech University. Elijah’s wife enrolled in the program, and is now beginning the first semester of her second year, becoming one of an increasing number of women in higher education in Kenya. Making swift use of her education, Elijah’s wife has taken over the management of the family’s cybercafé business.

With his wife managing the cybercafé, Elijah has begun work as a local business consultant. Inspired by his community and other entrepreneurs in his area, Elijah wishes to “utilize [his] professional skills to help other businesses.” He now shares his expertise in business, bookkeeping, and credit management, and his work has helped neighboring business to keep better track of their fiscal performance. Currently, with the help of a $564 Zidisha microloan, Elijah is entering into a master’s degree program. He says that “most businesses in Kenya are struggling with strategy management and practitioners in this sector are few.” With the knowledge he will gain through his master’s, Elijah will be better equipped to handle “complex assignments in strategy management” and “be of benefit to the community at large because they would no longer be entering into businesses without a projected growth plan.”

Elijah and his family have been able to repay all loans which they have taken out, in full and on time. They have grown their business and improved their standard of living. Throughout the loan process, Elijah has provided regular updates to his lenders, expressing profound gratitude, sharing his joy about his thriving businesses.

The clack of a keyboard is, for Elijah Mwenja, quite likely the sound of hope, education, and a successful entrepreneurial endeavor. It is a sound that has been made possible in Elijah’s life through the loans of Zidisha lenders. Now, by sharing his business expertise, Elijah is able to help other entrepreneurs thrive. Just as he and his family are now sharing their success with their community, many other people in Kenya will soon be able to do the same. One thriving business fosters another. One generous neighbor creates another.

If you’d like to be a generous neighbor, clack out a number and contribute to the success of one the other self-starters profiled on our loans page.


Curious about how far a microloan goes in Kenya? Check out this $250 cybercafe.




Posted today by Zidisha member John Wairobi in Kayole, Kenya:

“Hi, just to thank all the lenders that supported my project, as i had promised here are the computers that i purchased. the cyber i currently up and running we still are awaiting for a special permit from the ministry of education so that we can begin training and teaching computer skills within the area.”

Soulful Music


By Janet Wanjiru, Zidisha member in Nairobi, Kenya

I have been a full time vocalist for varied bands and artists for almost 10 years. I have now done my own album which I will soon launch…  I do Soulful Music with an Afro feel inspired by gospel music. My songs are inspirational and value oriented. I sing in Swahili, English and Kikuyu (a local Kenyan tribe)… It is my aim to also come out as a successful Kenyan musician both locally and internationally.

I am in the music business where I am producing my own album, sing for different bands, do vocals for artists, jingles for advertisements and other music related ventures. I earn regular income from weekly jobs in different bands. My album is almost complete so I aim to finish it, launch and then market it in the next 2 or 3 months.,. I strongly believe that this assistance will help me to spread positive messages to Kenyans and the international community through my music. I will keep you informed on the progress of my venture.

I have been struggling to complete my first album for about one year and this loan will be a godsend to help me achieve this. This album has many positive messages that I believe will benefit people from all walks of life. Due to the fact that I am already singing for different audiences, there are many who are waiting for it and will be willing to buy it. The main reason why I do music is to make a difference in the society as well as to earn a living.

You may listen to one of Ms. Wanjiru’s songs here:

You may view Ms. Wanjiru’s Zidisha profile here:

“I want to leave a legacy in the world”


By Julia Kurnia

Paul Kamande is an Electrical Engineering student in Kenya and quite a remarkable person.  At age twenty-three, he designed an automated irrigation system adapted to the unique climate of his home village in central Kenya.

Two years into his university career, Mr. Kamande found himself in the circumstance that prevents so many in his country from completing higher education: funding for tuition ran out, and as he was an only child, the livelihood of his parents relied on his earnings.

Mr. Kamande is not the type to give up easily.  With $125 in savings, he purchased some spinach, watermelon and potato seeds to plant on his parents’ two-acre farm.  The resulting produce when harvested and sold yielded $187 – just enough to acquire a dairy calf, which is one of the most lucrative investments available in rural Kenya.  Thanks to earnings from milk sales combined with part-time work, Mr. Kamande managed to support his family while completing his second year of university.

He then discovered Zidisha, and began to leverage Zidisha loans to add a rabbit raising facility to his family farm.  Since joining us early last year, Mr. Kamande has become one of our most active volunteers, assisting dozens of others in his community to raise loans and engaging in regular dialogue with lenders via our forum and website.

With his parents taken care of, Mr. Kamande returned his focus to his university studies.  Last month, he encountered a more serious setback: the old laptop he had been using for schoolwork and to earn extra money as an online writer broke down.  With that source of earning stopped, he was unable to pay his university tuition of $478 – a fortune in a country where most residents earn less than $1000 per year.  The university administration warned that he would not be allowed to sit for the upcoming final exams until the bill was paid.

It seemed as though there was no way out.  Opportunities to earn such a substantial amount in a short time simply did not exist locally, even for as smart and determined a person as Mr. Kamande.  He could not take out another loan from Zidisha, as he had recently invested a currently outstanding loan in his parents’ farm.

Then he hit on an idea: he would launch an crowdfunding campaign at Indiegogo to raise the necessary amount.  He borrowed a computer to create a campaign page, complete with photos, a video of his project, and an appeal to raise $800 to cover his past due tuition and purchase a new laptop.

Within a few short weeks, the necessary amount was raised: an astounding success, as the majority of crowdfunding appeals fail.  How was Mr. Kamande able to raise so much so quickly?

A look at Mr. Kamande’s Zidisha profile page hints at the reason: the comment forum is full of posts by Mr. Kamande consistently providing generous answers to lender questions and requests – interspersed with messages of thanks from the many fellow members in Kenya whose lives Mr. Kamande has changed by connecting them with the chance to raise Zidisha loans.  Mr. Kamande has helped so many people in the past that the assistance was there for the taking now, when he most needed it.

“I want to leave a legacy in the world,” wrote Mr. Kamande in his Indiegogo campaign page. “Not just in Africa as a continent that truly with tapped potential of a child, he or she can achieve what many never though he or she could. I am fortunate to have gone to school and pursued engineering in such a reputable school in our country despite coming from a humble background and the promise I made to myself and God is after I complete my education and get a good job, I will also help children who come from less fortunate backgrounds and make their dreams come true just like you are about to make mine come true also.”

Mr. Kamande has already built a great legacy.  I look forward to seeing more to come.

You may view Mr. Kamande’s Zidisha profile here:

Mr. Kamande’s Indiegogo campaign page is here:

A YouTube video depicting Mr. Kamande’s automated irrigation device is here:

“I have made good returns out of the season”



By Joseph Kamau, Zidisha member in Nakuru, Kenya

Dear lenders,
Am so grateful and short of words to express my joy for the continuous financial support. I fully repaired my matatu [shared ride van, the most common form of public transport in Kenya] which I have attached on my profile. This festive [season] has been my best I have made good returns out the season. My matatu can be able to travel long distance without any problems. Am working very hard to repay my rest of the dues and save also more money so that i can acquire another matatu by the end of the year. Thank you so much and God bless you so much and have A BLESSED New year.
Best regards             

“Even when I close my shop, my customers do always come…”


Comment posted in our forum by lender mewesten, shared here with his permission

One of the benefits of Zidisha is the opportunity to get a glimpse of life elsewhere.
Member Eric Otieno explains why few Kenyan businesses close in observance of Sunday / holidays (sounds very much like the US trend since the 1960s):

Eric Otieno comments on Dec 12, 2013

You are most welcome Mr.Marvin…..I think in Kenya there are so many factors why many business are never closed on a public holiday:-

-Spend threat-Many feels when you take off at home you spend more and nothing is injected back.

-Many has views that public holidays are meant for civil servant and a few rich to celebrate.

-Kenya being a country in the third world large population have to work more of what they earn.

-Also competitiveness.No one wish to lose his/her daily customers to the other competitor.So you have to keep your shop open day in and day out.

Yes Kenya is a religious country but you find that only 50% of businesses are closed on a Sunday morning and come afternoon only 10% is close till the end of the day.

Like me i do close my shop on Sundays morning then go to church.After church in the afternoon i open.But the funny thing is even when i close my shop,my customers do always come in my house when they need something.

Today was a public holiday but believe me everything was as usual.What i know only Christmas day and new year are the only day where majority celebrates with their family.

Good time a head,

“Looking forward to even greater things”



By Andrew Chege, Zidisha member and Volunteer Mentor in Kiptangwanyi, Kenya

Dear lenders,

Much regards from Kiptangwanyi Kenya. As I had promised you, I started the grains (maize) purchasing business and so to speak its doing marvelous. Although the profit margin is small, all in all, I am able to make some profit and service my loan. 
My intentions are to identify markets out of this area so as to increase my profit margin. At the moment, maize harvest is at its peak within this area. With the plenty of maize, competition is slightly high as many buyers have flocked the area in search of the commodity. 

But in business, only the persistent and strong hearted will remain afloat amid the tough competition. Already, I have been able to establish myself and I am on right track looking forward to even greater things. 

My sincere thanks goes to all my kind lenders for having transformed my life through the zidisha profile loans. Friends, you are just wonderful in my life and I have no words to describe what you are to me. May you keep up the same spirit even in future.
Kindly note that you have a friend far away in Kenya who dearly thinks about you for having transformed my life. Thanks alot to Zidisha fraternity.


Andrew Chege.