Entrepreneur Komi Ziddah helped by lendwithcare lenders

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Komi Ziddah, Togo

Location: Atakpame, Togo
Activity type: Vehicle Repairs
Date listed: 03 February, 2012
Total loan requested: £215

Komi Ziddah is
100% complete

Original loan requested: £215.00

Activity type:
Vehicle Repairs

Komi is now on his second experience with lenders from Lendwithcare. The first loan that he received during the course of 2010 was for 150,000 West African francs – he easily repaid this loan. Komi’s relationship with Lendwithcare was further strengthened in 2011, when he received a visit from a delegation from CARE International UK, lead by Tracey Horner, Head of Lendwithcare. This made him realise that the real concerns of Lendwithcare go beyond simply granting credit to its members but that its aim is rather to improve their wellbeing. Strengthened by this experience, he is now requesting a new loan for 150,000 West African francs, repayable in twelve instalments. Komi is a welder by profession; he runs his business from a garage, in collaboration with a group of car mechanics and electricians. This has allowed him to gain and maintain a loyal customer base, often by a process of word of mouth. The loan he is now seeking will chiefly be used to purchase welding rods and sheets of metal so that he can carry out particular orders. The largest extent of his work consists of repairs such as this. Komi is 47 years old, married and a father to three children aged from 4 to 16. They are all at school. His wife is a seamstress by profession. Komi hopes that thanks to the prosperity of his business he will be able to significantly contribute to the self-fulfilment of his family.

Original loan request in French:
Komi est à sa seconde expérience avec les prêteurs de Lendwithcare. Il a en effet reçu un premier crédit de 150 000FCFA dans le courant de l’année 2010 qu’il a bien remboursé.
Les liens de Komi se sont davantage renforcés en 2011 quand il reçut la visite d’une délégation de CARE UK conduite par Tracey Horner. Il comprit alors que les réelles préoccupations de Lendwithcare vont au-delà de l’octroi de crédit aux membres mais surtout vise leur bien être.
Fort de cette expérience, il sollicite aujourd’hui un nouveau crédit de 150 000FCFA remboursable en 12 mensualités.
Komi est soudeur de profession et exerce son activité dans un garage en collaboration avec des mécaniciens auto et des électriciens. Cette collaboration leur permet de fidéliser et de garder leur clientèle à travers un processus de travail à la chaine.
Le crédit sollicité sera essentiellement consacré à l’achat de baguettes à souder et des tôles pour l’exécution des différentes commandes. Le plus gros de son travail consiste en des réparations.
Komi a 47 ans, marié et père de 3 enfants âgés entre 16 et 4 ans. Ils sont tous scolarisés. Sa femme est couturière de formation.
Komi espère grâce à la prospérité de ses activités contribuer à l’épanouissement de sa famille.

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Repayment schedule

Date	Expected repayments	Actual repayments
February 2012	£19.55	£24.77
March 2012	£16.29	£15.71
April 2012	£16.29	£15.53
May 2012	£16.29	£16.00
June 2012	£16.29	£16.14
July 2012	£16.29	£16.00
August 2012	£16.29	£15.86
September 2012	£16.29	£15.55
October 2012	£16.29	£15.58
November 2012	£16.29	£15.69
December 2012	£16.29	£15.52
January 2013	£16.29	£15.98
February 2013	£16.26	£16.62