Adding stock to my shop: mainly foodstuffs

Serah

Nakuru, Kenya

100% repaid

Entrepreneur

Name

Serah

Member since

April 2017

On-time repayments

65 installments  •  98%

About Me

I am the first born in a family of three. Living in Nairobi then we had difficult time growing up as we lost our parents when I was only 13. My siblings and I were taken in by close relatives who took us to school. It was not all smooth there but we had to persevere in order to get our basic needs. I managed to go up to the university level but have never gotten a job. This motivated me to look for a business thus my husband borrowed a loan from his self help group to help me start a food store. I have one four year old daughter who is yet to discover what she would like to be in future. I love playing hockey and making new friends.

My Business

I have a small shop in Nakuru where by it entails a food store mainly cereals although I sell other stuffs like toiletries, soft drinks, and stationaries. These goods are important because they are daily basic needs that must be used. The profits I obtain from the shop are used to pay rent, school fees and family investments.Being in a slum where most people live in abject poverty, I have really struggled to keep the business to thrive because most people come to lend me goods promising to pay later but they don't. Trying to differentiate loyal customers who can lend and pay back has proved to be a challenge. This has lead to my stock deteriorating.

Loan Proposal

Being in a slum where most people live in abject poverty, I have really struggled to keep the business to thrive because most people come to lend me goods promising to pay later but they don't. Trying to differentiate loyal customers who can lend and pay back has proved to be a challenge. This has lead to my stock deteriorating. Thus this next loan I would like to increase my stock. Mainly grains, sugar, maize flour, cooking fat. Thank you.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$138.00

Date disbursed

Feb 17, 2018

Repayment status

On Time

Projected term

2 months

Lenders

Paul and Rachel

London, United Kingdom

B

BlackWolf

Lappeenranta, Finland

G

Goldrivermob

Gold River, Canada

C

cerowain

Melbourne, Australia

Richard Griebe

La Jolla, United States

V

vbud

United States

JL

Joao Leal

United Kingdom

SteveFylde

United Kingdom

Cristina Huesch

Canberra, Australia, Australia

S

Sean

Phoenix AZ, United States

WS

Warren Shen

United States

D

Dalton

San Francisco, United States

M

Margaret

United States

Paul Buchheit

Mountain View, United States

Tyler Metcalf

Utah, United States

OD

Oscar Duignan

United Kingdom

CP

Cara Peterson

United States

Ask Serah a question about this project, share news and photos of your own, or send a simple note of thanks or inspiration.

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  • Serah    Feb 19, 2020

    Hi Zidisha.... For the longest time I have been waiting for you to refund my security fee which was deducted when I took my last loan but you haven't done that. Please is it possible for it to be refunded or not. Because I have always paid back your money on time please pay mine. Thank you

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  • Serah    Oct 28, 2018

    The helped me in purchasing a photocopy machine which I use on a daily basis to produce copies of documents for my customers. The sales I have made from it have helped me to pay school fees for my daughter and electricity without any difficulties. This machine has increased my customers and sales too thus securing a future for my family. Its profits have enabled me to divide family needs without burdening a part of the business. I am very greatful to you my lenders for giving me this awesome opportunity to depend on myself.

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  • Serah    May 11, 2018

    Yes on 1st May 2018 I received my loan of kshs.17926 that is after everything had been deducted. I am greatful as this money will help me purchase a photocopying machine for my shop. Thank you very much.

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  • Serah    Apr 30, 2018

    I would like to buy a photocopier for my small shop. This will help me raise profits as i will be taking care of photocopy needs of the schools and people living around me. There is no photocopy near here. I am not sure if my choice of words will be really able to express what I feel inside of me. I would have wished to thank you individually but I am not able. But on this platform i would like you to know that I am thankful for your generous contributions towards raising my loan. My God bless each one of you abundantly with good health and financially so that you may continue helping many more people. Thank you alot

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  • Serah    Apr 26, 2018

    This is the photo I am trying to upload but it has become difficult for me.

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  • Serah    Apr 26, 2018

    I am really sorry about the current photo. I have tried severally to erase it but I can't manage. But still working on it.

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  • J    Apr 19, 2018

    Dear Serah,

    Please post a photo of *yourself* as the profile picture, at the very top of the screen. This is a Zidisha requirement. Please take care of this, as soon as possible. Thank you!

    The other photo that’s currently there, you can move to a lower spot on the Discussion page, with a note to your lenders. Thanks. :)

    Kind regards,
    Joost
    Team Zidisha

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  • Serah    Apr 18, 2018

    The past loan of kshs.14058 that you gave me was of great help. I used it to add stock to my shop. I bought 50kgs of rice@4200, 50kgs of sugar@3860, a box of washing bar soap1390, abox of assorted washing powder soap@1000, a box of tissue paper@600, a box of spaghetti@600, 20 litres of liquid@2600,all these are in Kenya shillings. The profit I got from all these items I used to pay back the loan and maintaining the shop. The remaining profit I added to my savings so as to be able to buy a plot of land by the end of this year.

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  • Margaret    Feb 22, 2018

    Hi Serah,
    I am glad to hear how Zidisha has helped you, you must take credit for yourself too for being such a hard worker. Together we will grow your business. Best of luck to you. Regards, Margaret

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    • Serah    Feb 23, 2018

      Thanks Margaret... You are truelly a blessing to me.

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  • Serah    Feb 19, 2018

    When angels are being counted my lenders should not miss in that list. I wouldn't be able to make the stride that I have made in business if it weren't for you guys. May God continue to prolong your life and bless you financially and health wise so that you may continue to be a blessing to me and others who are financially challenged. The money I got was a sum of $140.80 which is Kshs. 14080. I used it to buy 20litres of liquid oil, 40kg of rice, 40kg of sugar, 20kg of maize flour,10kg of beans,10kg of greengrams. This will be of great help as my food stock has increased. Thank you so much

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  • Serah    Feb 14, 2018

    Everyone has a story tell and mine need to be in a novel. I never knew that I would ever get to where I am today. I am really thankful for believing and trusting in me with your hard earned cash. This money I am going to buy maize flour, rice, beans, millet, sorghum, sugar, cooking fat, wheat flour and soda.

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  • Serah    Feb 5, 2018

    My previous loan i used to buy a refridgerator which has helped me in preserving most items that are served while cold. Being in a slum where most people live in abject poverty, I have really struggled to keep the business to thrive because most people come to lend me goods promising to pay later but they don't. Trying to differentiate loyal customers who can lend and pay back has proved to be a challenge. This has lead to my stock deteriorating. Thus this next loan I would like to increase my stock. Thank you.

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  • Serah    Feb 5, 2018

    It was a great idea to my business when I purchased a refrigerator. Although the fridge didn't give me much profit but the items I put in it did. There for the profits I got most of it I used to pay the loan and thus causing a deterioration in my stock. This next loan I would like to add stock so as to stabilize my shop again.

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  • Serah    Dec 11, 2017

    I thank you for the loan of kshs. 10,080 that I received from you last week. It has helped me in purchasing a refrigerator for my drinks for sale and household food. Thank you very much and may God bless you with more money so that you can help those who need it like me. God bless you so much.

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  • Serah    Dec 6, 2017

    I plan to buy a refrigerator for my shop. This was triggered when i realised that i was losing my customers who needed cold drinks. This will help me to increase my sales and also storage of my food in the house. I am really greatful for this opportunity that you have given me. Thanks a lot.

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  • Serah    Nov 27, 2017

    I am truelly greatful for the previous loan of Kshs 5040 that I used to buy plastics for my shop. The profits I got I used to buy a new television set. Thank you very much and God bless you.

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  • Serah    Oct 19, 2017

    My lenders, I may not know you in person but just know that the efforts that you make to provide the money for my loan is really appreciated. May your philanthropic hearts grow wider that you may help more people. You have enabled me to use the Kshs.5040 to expand my shop by buying plastic items to sell. Once again I am greatful.

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  • Serah    Sep 22, 2017

    I would like to thank you lenders for giving me another great opportunity to expand my business. This money will help me buy plastic utensils, crockery and buckets to sell in my shop. This will help me through the increased profits to pay my rent and school fees for my daughter. Thank you very much.

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  • Serah    Aug 25, 2017

    The previous loan helped me to purchase maize flour and other cereals. Although business had a lot of ups and downs due to the election period in kenya , I managed to make some profits that has made me stay on this line of business. I would like to buy a photocopier to introduce in my shop. Although it will take sometime to reach that credit limit, the one I will get this time I will add soft drinks like soda, afia, minute maid and quencher juices. This will help me get profits that will help me raise the living standards of my family and I. Thank you in advance

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  • Serah    Jun 19, 2017

    I am very greatful to you my lenders for letting me have this amount of money summing up to kshs.2394 that I will use to buy maize flour and rice for my shop. Thanks again

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