Charging up His City

By Betsy Ramser Jaime

‘I am Augustine Osei Agyemang Duah.’Growing up in the Ashanti region of Ghana, Augustine received his education at Toase Senior High School and later on at the University of Education, Winneba. After completing his degree, Augustine worked hard sending out his CV, but found the job search more challenging than he anticipated, especially without any connections.

However, while finding a traditional job may not have worked out the way he planned, this was only the beginning for him. Deciding to pivot he shares, ‘I decided to use the little money saved during my national service to start up my own initiative, since I used to sell phones and accessories at the University. Things began to move and I was able to rent a shop and acquired accessories and phone. The business grew until this covid period, that things are descending due to the lockdown and restrictions. But I know for sure that, with Zidisha the business will raise to a high, like success stories I have read on this platform by members in this community and friends who are members on this platform. Thank you Zidisha.’

In describing his business, Augustine writes, ‘I deal in phones and accessories. As stated in my story, I started this business after my national service in 2017, when the search for a job became hard. This business has been a success in my life, an inspiration and a blessing to many around me. I know that with the help of Zidisha the business will grow and employ many and also impact in the lives of many.’

With five Zidisha funded loans so far, Augustine is making steady progress to grow his business. His loans have ranged in amount from his first of $13 to his most recent which was $280. Through his loans, Augustine’s primary goal has been to add inventory to his shop and stay fully stocked with his phones and accessories.

In November 2020, Augustine started seeing an increase in demand for ear pods. Because of Zidisha, he was able to raise the necessary funds to stock up on ear pods and meet the needs of his customers.

Following his November loan, he took to his discussion page and shared, ‘I feel honored to be a part of this community. The community is really changing lives and transforming businesses. I thank the staff and lenders of Zidisha for this opportunity given. Words alone can not describe the joy that Zidisha has brought to my home. God bless the entire Zidisha staff and lenders. May your blessing overflow.’

Two months later, with his most recent Zidisha funded loan, in January 2021, Augustine raised $280. With this particular loan he purchased power banks for charging during blackouts. He noted that in his city blackouts are a regular occurrence as he writes, ‘The loan will be used to purchase Power Banks for charging phones during blackouts since there is high demand for Power Banks as a result of frequent blackouts. Because phones and other devices have become part of our daily life and people want power banks to charge their phone and other devices to keep their device on at anytime.’

 Would you like to impact the life of an entrepreneur like Augustine? Make sure to head on over to our Browse Projects page to read about other Zidisha business owners around the world.

We All Grow Together

By Betsy Ramser Jaime

Born and raised in Ghana, West Africa, Prince Agyei Boateng, is 31 years old, and is a recent addition to the Zidisha community. He holds a BSc. degree in Biology Education and has been an entrepreneur for almost 3 years. With the help of the Zidisha lenders and community, he hopes to continually be able to grow and scale his business.

In describing his business, Prince shares, ‘I deal in second hand good from Europe and the USA ranging from clothing, electronics, home appliances and automobiles and I own an electrical shop that sells switches, bulbs, electric wires and sockets on a small scale.’

So far, Prince has been able to raise 6 Zidisha funded loans, beginning in October 2020. With his first loan, he raised $13! After this initial loan, he shared how this loan impacted his business as he took to his discussion page and wrote, ‘My first loan with Zidisha helped me to make good sales when I use the loan to promote my advertising on Jiji.com.gh. Two people called to order laptops the same day. Zidisha is more!’

Shortly thereafter, he raised his second loan, this time for $35 to continue where he left off with his first loan, writing, ‘I’m using the loan to start a new marketing strategy to improve and cover the cost of online ads and expenses associated with the delivery of items purchased by customers as they buy online.’

For Prince, his new marketing strategy seemed to be paying off, and he continued to put his next two loans of $71 and $122 toward further marketing efforts. As he requested the loan he shared, ‘This loan would be used to place advert on Jiji.com.gh and tonaton. Part would be used to cover delivery cost when someone orders a product on the platform. Also part would be used to cover phone calls and data cost.’

After using his previous loans for marketing and advertising, by November 2020, Prince was ready for his sixth Zidisha funded loan, this time, to help him increase his stock for his electrical stock. Requesting $193 he wrote, ‘I need this loan to increase the stock of my electrical shop. I wish to bring in more electric bulbs, lanterns, copper wires, lamp holders, switch’s and plugs. Part of the loan would be used to create new shelves to keep the new stock.’

Shortly thereafter, he took to his discussion page on November 10, and shared, ‘God bless you for your kindness. God bless everyone for their support. With Zidisha my business is growing more than I anticipated.’

Most recently, in December 2020, Prince raised his largest loan yet, for $616, allowing him to expand his online advertising effort, bring in new products to appeal to different customers, and even hire an additional delivery worker to make delivery faster and more convenient for his customers.

Now, as he starts off 2021, Prince is proud and thankful of what he is building, and is also excited for the future of his business. On January 1, 2021, he shared this update, ‘It’s always a good thing to remain committed to what we are responsible for and do good and remain faithful all the time. If we keep the good values we have been taught, we all grow together and helping hands like Zidisha lenders will always be there to offer help to those who need help. God bless everyone!’

Would you like to make a difference in the life of an entrepreneur like Prince? Make sure to head on over to our Browse Projects page to read about our Zidisha business owners around the world.

I Can Unlock My Dreams

By Betsy Ramser Jaime

Eric Ntonja, an entrepreneur from the Meru region of Kenya, is a recent university graduate, and budding entrepreneur. With three younger siblings, two sisters, and one brother, Eric works hard in his business to be able to help his mother and support the education of his siblings.

He shares, ‘I graduated last year in December from University and I managed to support my mum in supporting the education of my younger brother as mum is struggling to get in touch with the education system of the two sisters. Up to now they often depend on me in terms of food. And I hope we shall move on well despite the covid 19 epidemic.’

Eric started his business while he was still a university student, solving a problem that he noticed amongst his peers. He explains, ‘While I was in university, I could see and even experience other college students struggling in cooking. Some used charcoal of which is expensive and consuming. From the experience I managed to borrow some capital from my friend to start a business of selling gas cookers and refueling gas cylinders. From where the students hostels are located, it was a far distance to go and refuel or purchase a gas cylinder. So I started selling gas cylinders and refueling them from the shop I rented near the university gate.’

After operating for over a year, Eric is doing well in his business and has even started renting a larger shop. He was even able to repay the capital that he borrowed to start within four months.

Since joining Zidisha in 2020, Eric has been able to raise five Zidisha funded loans, raising $15 for his first loan. Finding that his services were in great demand, Eric set out to purchase additional gas cylinders to accommodate the increase in customers.

Shortly thereafter, Eric managed to raise his second loan, this time for $26, as he shared, ‘It’s with great joy for your previous boost on giving me a loan to add more gas pipes. This time I need to add gas burners which are in great demand. One burner costs $6.I0.’

Seeing success with his first two loans, Eric requested two more for $68 and $141, allowing him to increase his supply of gas cylinders to attract local hotels in the area. He also hoped to purchase a new product called Jikokoa. As he shared with lenders, ‘From the experience of some previous months, some of my customers keep requesting Jikokoa which is a modern cooking platform. It consumes little charcoal which is cheap. It mostly is preferable to some people who are not in a hurry, hence applied in cooking hard foods.’ At a cost of $35 each, Eric set out to purchase three ‘Jikokoa’s’ and five new gas pipes, costing $20 each.

With his loans thus far, Eric was in a good position to respond to his customers requests, increase his profit and his ability to re-pay his loans, and also employ an assistant to help with the business.

Most recently, in November, 2020, Eric raised his largest loan yet, $277. With new goals in mind, Eric set out to, ‘to conquer stiff competition, to satisfy customers demands, to attract customers hence reaching my target, and be able to make repayments on time.’

Eric also rented a motorbike for $30 a week, and hired an assistant for $20 a week, allowing him to offer free delivery to each of his customers during the pandemic.

In November, Eric wrote on his Zidisha discussion page, sharing his appreciation for the community as he wrote, ‘Zidisha always brings a smile on my face for great achievements!! I appreciate this family so much. The support upon my life has brought a great change. Thanks my lenders as you continue to fund my ongoing loan.’

Would you like to make a difference in the life of an entrepreneur like Eric? Make sure to head on over to our Browse Projects page to read about motivated Zidisha business owners around the globe.

A Little Drop of Water Makes a Mighty Ocean

By Betsy Ramser Jaime

‘I am Benjamin Amofa by name. I am 27 years of age and also a Ghanaian too. When I was young, I decided to start a business to support myself during my school days because we are a children of 4 to my mother, so my mother could not take all these burdens on herself. I started going to the farm for firewood, mangoes, oranges, and sold it to support myself and my brothers. it wasn’t easy though, but I have to make a step before I can reach my goal.’

Once Benjamin finished school, he decided to continue with entrepreneurship. With the support of his mother, and using capital from her cassava farm, Benjamin had around $850 to get started. Today he is able to use his profits to support himself and also help to send his brothers to school.

In his business, Benjamin sells phones and accessories. So far he has received four Zidisha funded loans and in joining Zidisha, he found himself in a great position to greatly expand his inventory levels. Today he is able to have large quantities of stock on hand.

With his first Zidisha funded loan, he raised $13 to purchase additional stock of phones and accessories. Shortly thereafter, he raised his second loan for $35, writing, ‘Please, the business requires money so if I have the goods to meet my customers demands my business will grow well. Though, my loan limit is not all that big, but a little drop of water makes a mighty ocean. So I will use any little amount I get from my lenders to grow my business to attract more customers. I know with time all things will be possible. From the GHS 190 loan, I will use it to purchase Android cables, Android chargers, Class protectors and pen drives. These are things I use the money for. Thank you.’

The following month, in November, Benjamin requested a loan of $98 from Zidisha lenders to solve another problem that his customers were facing. In his community, he discovered that many people complained about the poor performance of their Android phone batteries. Therefore, he was able to stock up on power banks. With this loan, he was also able to increase his stock of keypad phones, pen drives, and inpods.

Most recently, Benjamin raised his largest loan yet, of of $181 in December, 2020, writing, ‘Because the power outage in my village is too high due to that the demands are very high. Many students in the village doing their researches find it very difficult and it is affecting them very hard so if I get this loan I will purchase these items and help them to do their researches successfully. The power banks will help them to continue their studies when the light goes off and it will also help me to get enough profit and to make the repayment on time. Thank you.’

After receiving his December loan, Benjamin kindly took to his discussion page and shared, ‘The heart of my lenders is a heart of Gold! Thank you very much. The loan has helped me to the extent that my customers are so happy I was able to meet their demands due to that, they have come with new customers to buy from me and they are demanding more power banks and keypad phones in my village so the next loan will help me to buy more to meet their demands.’

Would you like to make a difference in the life of an entrepreneur like Benjamin? Make sure to head on over to our Browse Projects page to read about Zidisha business owners around the world.

Breaking the Mold

By Betsy Ramser Jaime

Sammuel Aidoo is my name, I am a married man with three children.’ As the eldest child in his family, with three sisters, and two brothers, Sammuel helps provide for his younger siblings to receive an education. He shares, ‘I became self employed on September 5th 2005 after I completed my apprenticeship work at University of Cape Coast fault of maintenance section and bakery business is one of the great opportunity jobs for me.’

Sammuel’s grandmother was a baker, and he started learning from her from the time he was 10 years old. Then, his wife also became a baker, but was unable to work once she became pregnant because of the high temperatures. As a result, she handed over her responsibilities to her husband. Sammuel shares, ‘At the moment my wife handing over the job to me people started laughing at me saying that my wife has fooling me because in our community only female people do the bread business so why should I do such business, but I didn’t listen to them and worked hard to gain in the business to achieve one of the big container stores in our community, that container is now where we are working in. If you go to other regions in Ghana you could see that many male people do the bakery business, so I will say that I am the first male person to do a bakery business in our community, so now some of the elders in our community said I have set a good example for young boys in our community.’

In addition to running his family bakery, which earns the majority of his income, Sammuel also earns about 30% of his income from doing electrical work. On the side he also earns some extra money selling soft drinks and Fan Milk products.

Since joining the Zidisha community in August, 2020, Sammuel has raised 6 Zidisha funded loans, starting with $13 in August. With each additional loan, Sammuel has been able to increase his inventory of supplies for his business such as, ‘flour, margarine, yeast, sugar, baking soda, and soft drinks.’ Before partnering with Zidisha, Sammuel would find himself purchasing supplies 3 days a week, using up a lot of time and additional transportation costs. Now, with his Zidisha loans, he can purchase his supplies in bulk, and buys on a less frequent basis. Most recently, in November, he raised $762 and this will allow him to purchase his supplies on a monthly basis.

While he doesn’t have much free time these days, when he does have it, Sammuel enjoys doing research on the internet, playing games on his phone, and watching football matches.

Would you like to make a difference in the life of an entrepreneur like Sammuel? Make sure to head on over to our Browse Projects page to read about Zidisha business owners making a difference in their families and communities around the world.

Thank You Team Zidisha

By Betsy Ramser Jaime

Joseph Amofa Atuahene hails from Bekwai and currently lives in Kimasi, Ghana. After graduating from high school, he joined the family business as his father was getting too old to run the company, and soon after, passed away. Joseph explains, ‘Business has been improving and as a business minded person, I always need help to support my business and I am happy to join this organization. I currently employ about four people to help in my business. I like reading and am always inspired by motivational messages.’ He is also excited to be part of Zidisha as he hopes to continually upgrade his business.

In describing his business, Joseph shares, ‘I am into the sales of plumbing materials. These plumbing materials are also in my shop/store and customers come and buy them in retail and wholesale. I sell every material that plumbers need for their work. I retail my goods and also sell them in bulk or large quantities.’

Throughout the COVID-19 pandemic, Zidisha has continued to support entrepreneurs like Joseph as they do their best to pivot, and continue to run businesses, even under the most unusual of circumstances. Joseph is fairly new to the Zidisha community, joining in July 2020, and has since raised 9 Zidisha funded loans.

In July, Joseph raised his first loan of $18 and shared, ‘Thank you Zidisha for allowing me to create a loan proposal. This loan is purposely intended for, to buy plumbing materials for sales. Buying of the plumbing materials will boost my sales and to also increase my profit margin for me to repay my loan given. Buying of plumbing materials are essential to aid water flows in institutions, schools, homes etc. My loan will be used to buy plumbing materials for sales. I pray to the most high God to end this Corona virus outbreak that is collapsing many businesses. It is really sad for business to be closed or not working. In my country, businesses are operating fully because we are not on a lockdown. People are buying and selling so I will use the sales from my plumbing materials to repay my loan. Thank you so much.’

Doing well and repaying his first loan, Joseph was able to raise five additional loans throughout the month of July, continuing to increase his inventory supply. The following month, in August, Joseph raised $287 as he wrote, ‘Words cannot express itself for the support that I am receiving from Zidisha and the lenders. Market was really good a few days ago. My loan is going to be used to buy plumbing materials for sales. Thank you.’

As 2020 is coming to a close, Joseph is continuing to work hard and keep his inventory stocked as he raised a loan for $316 in November and one for $455 in December, sharing with lenders, ‘I am here again to give thanks to the Zidisha staff and the lenders for all the loans I have taken from Zidisha. This loan that I am requesting will be used to restock my shop with plumbing materials for sales. Restocking the shop with plumbing materials for sales boost good sales and increase profits. This loan is purposely going to be used to restock my shop with plumbing materials for sales. Many businesses are facing high risks of climate change but I can repay my loan in the coming weeks. This is because, people patronize my plumbing materials that I sell and there’s a free movement of people in my country and that will enable me to make repayment on time.’

Recently, Joseph left a comment for his lenders on his discussion page and wrote, ‘I thank you so much for your support with my loan. Indeed sales have been extremely good and I am here to appreciate Zidisha for their support with my business. Thank you team Zidisha and everyone here. God bless you all.’

Would you like to continue supporting entrepreneurs that are persevering through the pandemic? Make sure to head on over to our Browse Projects page to read about Zidisha business owners around the world.

A Second Chance

By Betsy Ramser Jaime

Growing up in Coastal Kenya, Ken Mutinda earned a B.Sc degree in Horticulture, studying at Egerton University. After graduating, he found the lack of jobs frustrating, but used his circumstance as an opportunity to start his own business with a small amount of money that he’d been able to save up. With 500 mango seedlings, he set out to start his nursery. However, this was just the beginning for Ken.

Today, Ken has a diverse set of businesses. He explains, ‘My business is mainly poultry farming whereby we are involved in selling both eggs and meat. I also invest in small scale cattle and goat farming. The rest of the farm area is covered in agroforestry whereby we grow crops and trees for sustainability. The trees are sometimes harvested for timber and firewood. This helps to boost the financial status especially for home use. There is also a small tree nursery whereby seedlings are sold at affordable prices.’

In addition to all of the above business ventures, he also has experience making soap-less detergent which he has sold to car wash businesses.

Since joining the Zidisha community in 2015, Ken has raised 6 Zidisha funded loans. With his first loan of $200 he started by purchasing materials for his tree nursery business such as, ‘seeds, fertilizer, and sleeves.’ He put the remaining funds towards his detergent business.

The following year, in March 2016, he raised a slightly larger loan, of $301. This loan allowed him to buy a wide variety of supplies and labor costs including: ‘seed, fertilizer, ploughing, planting labor, spraying costs, weeding, fungicide, and insecticide.’

With his following loans from March to October 2017, Ken received a total of $2,411 to work on some big projects. He started by repairing his fence to protect against the elements and also sought to pay for a water tank and water pipe. Following this, his next big project was the building of a farmhouse. To make this dream a reality, he purchased: ‘blocks, sand, timber, cement, windows, doors, roofing sheets, and also covered labor costs.’

By October 2017, Ken was putting some final touches on his farmhouse with plastering, painting, installing tap water, and setting up a solar power system. He shared, ‘This will assist me and my family to lead a better life on the farm and hence develop the farm for small scale farming. The solar system will give us a free power supply and also assist in reducing environmental degradation. I also intend to set up a biogas digester for cooking purposes. Thank you and be blessed.’

Most recently, Ken acquired a Zidisha funded loan for $1,561 in April 2018 and was able to use the funds to purchase a motorbike as he writes, ‘The motorbike will help me to reduce my domestic transport costs hence increasing the profitability of my business. In the long-run it will give the motorbike a higher resale value and also increase my asset base. It will also help in-case of an emergency.’

20020 has been a difficult year globally, but even with uncertainty and changes in business, Ken is still moving forward. On November 30, 2020, he took to his discussion page and shared this update, ‘I take this opportunity to thank my lenders for the support they have given me. The Corona pandemic has really affected most of us especially in our economic and social aspects. Most people including me have been rendered jobless. This loan is going to give me a second chance to try and get on my feet once again. I will first begin by digging out the well which will take maybe up to one month to complete. During this period I will also purchase the water pump and excavate the pond. I have been in contact with a fish farm who will supply the fingerlings and also assist with more information about feeds. We have been having problems with water supply and so this will help a lot. I will also indulge in vegetable farming and hence expand my poultry enterprise. Thank you for the support you have given me. May God bless you abundantly.’

Would you like to make a difference in the life of a business owner like Ken? Make sure to head on over to our Browse Projects page to read about Zidisha entrepreneurs that are changing their communities all over the world.

A Big Shout Out

By Betsy Ramser Jaime

Samuel Emmanuel, was born in the Kaduna State in Nigeria, and is a native of the Enugu state in Nigeria. He explains, ‘I spent most of My childhood days in the northern part of Nigeria being the Kaduna state Nigeria before finally relocating to Lagos in the year 2001 to start a new life. I started my primary education in the year 2003, and graduated from college (secondary school) in the year 2014.’

As the first born son in his family, Samuel reflects that ‘life wasn’t easy’ which led him to enter the field of trade. In his profession, Samuel is a mobile phone engineer and he specializes in flashing, unlocking, and repairing mobile phones. In addition to his repair work, he also sells phone related products including: memory cards, earpieces, batteries, and mobile phones.

Samuel has now been a part of the Zidisha community since August 2019 and has been able to raise 11 loans during this time. Amazingly, his first two loans were under $5 and most recently he raised his largest loan yet for $1,931. During this time he’s also maintained an impressive repayment rate of 100%.

For Samuel, his Zidisha loans have allowed him to continue to purchase new items and re-stock his shop. For many small business owners, especially those with product based businesses, a lack of funds for inventory can be a huge deterrent from growth.

In Samuel’s case, since phone and technology products can be relatively expensive, it is important for him to maintain cash on hand so that he can continue to re-purchase or buy new products as needed or requested by his customers.

With his Zidisha funded loans, Samuel has been able to purchase: ‘memory cards, phone chargers, desktop chargers, earphones, mobile phones, and batteries.’ He’s also purchased additional items for his business such as, ‘a smoldering iron, soldering led, flux, paper tape, and other phone tools.’

On Dec 19, 2019, Samuel took to his discussion page and shared, ‘A big shout out goes to all my lenders for their kind gesture over my almost completed loan, the loan was indeed very helpful, you all shall be celebrated! God bless you all.’

As Samuel has continued to grow his business, he’s been able to add additional products to his inventory like, Ipads, and the latest models of smartphones and other tech products as these continue to be in high demand among his customers!

Would you like to help an entrepreneur like Samuel scale his or her business? Make sure to head on over to our Browse Projects page to read about Zidisha entrepreneurs around the world.

Bouncing Back To Work

By Betsy Ramser Jaime

‘I am Eric Agyei Tuffuor, a self employed person that trades in second hand clothes across some various regions of Ghana.’ Eric is a graduate of Sunyani Technical University and graduated with a Higher National Diploma program in Electrical and Electronics engineering.

After university, Eric completed his national service by serving as a teacher at Keniago junior high school. During his time teaching, he taught science, religion and moral education, social studies, and Ghanian. After teaching, Eric started back at university to receive an education degree, but ended up leaving after a year due to financial reasons.

While this might have been the end of his work in education, it was just the beginning of his entrepreneurial journey. He shares, ‘From there, I entered into business where I started selling second hand clothes and business was good, I must admit. I did this business for over four years after which I traveled to the United Arab emirates (UAE) which is close to two years.’

After his time in the UAE, Eric decided to return home to Ghana, continuing to operate his clothing business. In describing himself Eric write, ‘I am a hardworking person with a good human relationship and a family man with two kids. I am thirty five years of age and a male. I Like rice and soup as my favorite foods and football and volleyball have been my favorite games with Liverpool as my favorite team in the world. I also like reading and listening to music.’

Eric is pleased that since his return from the UAE, business has been very good. He is able to purchase his clothing stock from wholesalers and then re-sells clothing all over Ghana. Describing his growth he says, ‘I am currently expanding my business by increasing the clothes that I purchase every week and with this business and profit keeps on increases every week. Business has been of useful help to me and I must admit that I am doing well and with the help of Zidisha.’

Since joining Zidisha in 2019, Eric has raised 11 Zidisha funded loans from $8 to $1,679. With these loans, Eric has had the resources to continually purchase new clothing stock for his business and also pay for the associated transportation costs to ship clothing throughout the country.

Recently, Eric shared this inspiring update on his discussion page, ‘I am bouncing back to work. Thank you so much lenders. I started with Zidisha with nothing but now because of Zidisha loans, I have been able to restock my shop with the necessary clothes. I have also been able to add shoes sales, belts and other items to my business. All these came into reality because of Zidisha loans. It started right at the beginning of the covid 19 pandemic and Zidisha wasn’t reluctant but continued to help throughout the covid 19 period.’

Would you like to help other Zidisha entrepreneurs go after their dreams? Make sure to head on over to our Browse Projects page to read about Zidisha business owners around the world.

Farming His Way Forward

By Betsy Ramser Jaime

‘My name is Seidu Salifu and I am 23 years of age born to Mr. Seidu Salifu senior and Mrs. Nafisatu Seidu.’ As a young adult, Seidu lost his father when he was in high school and from an early age, he gained a strong work ethic as he would travel to his aunt’s home in Kumasi and would find petty jobs to earn some money for his books and other school needs.

After completing his studies, he decided to move to the village, sharing, ‘ I decided to move to the village to put into practice what I love most in my career and that is farming. I like reading, doing research and also love helping the vulnerable people. I will love to adopt and take care of the needy ones when I stand on my toes.’

In his farming business he grows crops such as, ‘peppers, tomatoes, cabbage, and eggplant among others. He explains the importance of his business as he shares, ‘I realize that vegetables are the most essential farm products that are mostly in demand of markets especially during this covid 19, and that’s my area of my concentration now because vegetables are in demand. Growing vegetables are so important and it is really helping me.’

Since joining Zidisha, Seidu has successfully raised five Zidisha funded loans, starting in April 2020. As he requested his first loan he wrote, ‘As a young man who enjoys farming as his main work of occupation, if the loan is fully funded or granted, it will be purposely used to buy pesticides for my vegetable crops and other materials like fertilizers to improve the yield of my crops. Vegetables are part of farm products that are very much in need and essential especially in this time of this pandemic. Farmers are exempted from lockdown and my area of which I farm is also not included in the lockdown. I will use the sales of my vegetables to make repayment and moreover farmers are allowed to sell farm produce only that we must observe social distancing and other precautionary measures. Vegetables are now needed and that’s where I will sell to make payment.’

With the following two loans for $179 and $305, Seidu was able to continue purchasing additional fertilizers and pesticides in his business to expand and grow. Most recently, in October 2020, Seidu raised $620 and shared, ‘I first of all thank you lenders for your generous support given me in my farming produce and business. This loan that I am requesting will be used to buy farming inputs and other materials like cutlasses, hoe and others for my vegetable farming. Buying of farming inputs and other materials helps to produce speedy farming projects. This loan will be used to buy more farming inputs and other materials.’

After receiving this loan, Seidu took to his Zidisha discussion page on November 15 and wrote, ‘Farming business is growing. Thank you so much.’

Would you like to help support a Zidisha entrepreneur that is persevering through COVID-19? Make sure to head on over to our Browse Projects Page to read about our business owners all around the world.