Wednesday, February 27, 2013

Navigating through a computer literate era


Caleb Ochieng is a very hardworking and opportunistic man. After disposing of his job as a social security services employee, which he had held onto for 9 years, he moved into the profitable cyber café management business. With sheer determination and diligence, Caleb utilized his business savvy techniques to establish a computer training college. He recognized the need amongst the young people in his community to acquire computer literacy skills and he has successfully made a profitable living out of this innovative venture. Below is a recent update from one of our Client Relationship Managers in Kenya:


Greetings lenders! My name is Neil DiMuccio, and I am a Client Relationship Manager with Zidisha in Kenya. I am currently visiting borrowers to learn more about them and support them with their Zidisha loans. It is my hope that this work will build bridges to better connection and understanding, and that Zidisha and its borrowers will increasingly grow, communicate, and support each other.

I was recently very lucky to meet with Caleb Ochieng in Utawala / Githunguri, a small town some 25 kilometers East of Nairobi.

Caleb is a father and business owner of a cyber café named Half London, which is a very nice facility that he obviously takes pride in. When I visited him, his young children were there, using computers to watch new movies on Youtube. I was able to see firsthand Caleb’s investment in his new printers, because I just so happened to need to print some 20 pages for a document that I’ve been using to do New Borrower Orientations with Zidisha. The printers are of very nice quality, and he should be able to recoup his costs on this investment in just a few months.

Caleb has worked in many other areas of the economy, but decided to open a cyber café partially because he wanted his children to grow up being very computer savvy. He is an exceptionally kind and soft spoken man, and at the end of our meeting I decided to ask him if he would become a Community Organizer, which is a local volunteer with Zidisha. Community Organizers are vital to maintaining communications and spreading the word about Zidisha, and I was very happy when Caleb accepted.

One interesting anecdote was that while we were logged in to Caleb’s profile and checking his repayment schedule, he mentioned that one of the payments shown had not been made by him. I’d like to take this time to publicly applaud his honesty in this matter.

While I was visiting Caleb, some 5 other Zidisha borrowers and applicants from the community dropped in to say hello and ask me questions, thus proving that Caleb’s café was something of an ideal community meeting place for Zidisha.

Thank you so much for taking the time to meet, Caleb. Best wishes in all your future endeavors!



Friday, February 22, 2013

Establishing Connections



Greetings lenders! My name is Neil DiMuccio, and I am a Client Relationship Manager with Zidisha in Kenya. I am currently visiting borrowers to learn more about them and support them with their Zidisha loans. It is my hope that this work will build bridges to better connection and understanding, and that Zidisha and its borrowers will increasingly grow, communicate, and support each other.

I recently had the opportunity to meet and work extensively with Robert Ndungu, who also goes by Robert Njoroge. To be perfectly honest, I was thrilled to meet this man, because he was the first person I had lent to using the Zidisha platform last year! I decided to lend to Robert because he was offering a high interest rate (at the time), because he had numerous sources of income, and because he seemed to be something of a pillar in his community. My visits to Karunga have affirmed these thoughts – Robert is a well-known, hard-working, and productive member of his community!

I made several visits to Karunga, a small agricultural community some 12 kilometers North and East of Nakuru near Bahati. This town is a hotspot for Zidisha borrowers, with some 30-40 persons having Zidisha loans in the area, due in part to the work of gentlemen such as Robert, who is a Zidisha Community Organizer for Karunga. Luckily, the ride to Karunga is gorgeous. Imagine this: getting on back of a motorbike, and zipping along a bumpy and rutted dirt road, seeing fields of wheat, corn, and sunflower underneath a canopy of trees. All this while cows and goats graze idyllically, and locals smile and wave to you. Living and working in Kenya may not always be easy or comfortable, but it certainly has its pleasures!

Anyway, Robert was kind enough to let me photograph him in his shop, and was selfless in giving of his time to walk me around and introduce me to many Zidisha borrowers, translating to Kikuyu, Swahili and English as needed. We also had lunch together at one point, with other Community Organizers of Karunga, where we talked, laughed, and discussed Zidisha’s impact on the community. It was agreed that Zidisha’s low-interest loans were very helpful, but that further services would be of benefit, such as medium-scale agriculture and engineering projects, to do things like aiding farmers in irrigation (I believe the region is currently mostly without irrigation).
Please join me in thanking Robert for setting a great example with his use of Zidisha, as well as his tireless service of helping those around him in his community. Thank you, Robert! Best wishes and God Bless.