Purchasing wool

Elizabeth

Uthiru, Kenya

100% repaid

Entrepreneur

Name

Elizabeth

Member since

November 2015

On-time repayments

132 installments  •  62%

About Me

I am 38 years old, I was born in a small village in Kiambu County at a dispensary called Igegania. I was the 2nd child of my mother. Later on I got several siblings and I now have 5 sisters and 2 brothers.
I grew up in the same village of Igegania and attended my primary school there for 8 years. Later I went for my high school education at a catholic missionary school called St Francis Mangu where I graduated after 4 years.
I grew up in a somewhat hard life as my mother was the only bread winner since my dad had lost his job in the 1982 coup attempt on the government. My mums meager salary was never enough to sustain the family and most of the time we lacked on basic needs or had to do with very little of what was available.
After high school I got married immediately and got a child but my husband passed on soon after when my child was 3 years old. I was widowed without a job and an education and was left all on my own.
I got a small employment as a sales girl in a clothes shop which helped me sustain my child and myself. Ita a job that I loved and did with passion for a peiod of 5 years. I got a hand in business knowledge and it bred my interest in my current profession. I also got to learn how to deal with people coz of relating with customers on a personal level.
The job also helped me not to wallow in self pity and I was able to kick off mourning so easily and move on with my life. It helped me to put my child to school and was also able to help my extended family.

My Business

I am a salaried employee of Athi River mining company and I am paid my salary every end of the month or early in the subsequent month.

I am an accountant by profession and I hold the accountant executives position in the cement department of the company. I deal with the accounts receivables.

I love my job and I don't see myself trading my profession anytime soon, its a dream come true for me.

I believe that the workplace is my first home since I spend most of my hours there
and thus try to make it more comfortable for myself and my colleagues through good relations.

I took myself through college education, working during the day and schooling part time.
I also do sell wool from merino sheep. I buy from Eldoret, Nyeri, Limuru and basically from the cold regions in our country Kenya. I supply the wool to a company in Nakuru which then exports it.
It’s a business which is not demanding at all since I only work mostly on fone, I am told when its available by the suppliers and I organize for pick up from them and delivery to my customer.

My costs include telephone costs since I have to call alot especially looking for the wool and also the transportation costs.

Mostly I have used the profit in the upkeep of my home, educating my child and also re-investing in the business.
I one day plan to take the business fully and do the exportation myself.

Loan Proposal

This will be used to pay transporters to go get wool from the farmers. As they are in different parts of the country and I cannot go all the places myself.
The places I collect from are in the Rift valley, Limuru and parts of Mt Kenya region..Timau and Tumutumu

Feedback

None

1

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Loan Info

Project Type

Classic Loan

Disbursed amount

$202.00

Date disbursed

Oct 23, 2016

Repayment status

On Time

Projected term

27 months

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  • Elizabeth    Jan 8, 2019

    My previous loan was a good amount though I bought stock and it was destroyed in a fire. However, I am glad that I managed to pay it all despite the challenges. This time I plan to do onions.

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  • Elizabeth    Dec 18, 2018

    I am trying to make my payment since yesterday and Mpesa says that Organization receiving the payment is unavailable. Kindly assist

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  • Elizabeth    May 7, 2018

    Please update my account

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  • Elizabeth    Feb 19, 2018

    The amount I am supposed to pay currently is too high

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  • Elizabeth    Feb 12, 2017

    I am still struggling to pay and it has caused me great embarrasment with my referees

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  • Reema Mukherjee    Dec 13, 2016

    Hi Elizabeth - I'm sure things will look up for you soon. Please email the team at [email protected] if you need help with rescheduling. Take care!

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  • Elizabeth    Dec 13, 2016

    Dear Lenders,

    I once again want to remind you that my busines burnt down early in Nov and thus it has realy afected my payments as I was not earning until last wek. I resumed operations on 8th December and I hope I wil be able to stay in check with my new payment schedule.
    Regards,
    Elizabeth

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  • Elizabeth    Dec 13, 2016

    I wish to reduce my installment as I have been struggling to pay and its giving me pressure.
    As I have been communicating, our market burnt down and we started afresh. In fact I resumed business slast week on the 8th of Dec and business has not yet picked. please bear with me for now and I will be paying as the business picks

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  • Elizabeth    Nov 15, 2016

    Dear Lenders,

    I would like to adjust my loan repayment amount temporarily for about 6 weeks. This is coz our market burned down 3 weeks ago together with out stock and we have not yet finished re-building and re-stocking.
    As of next week I will have finished rebuilding and I can re-stock the week after.
    I kindly ask for your understanding and patience,

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  • Elizabeth    Oct 24, 2016

    Dear Lenders,

    I received my loan yesterday through Mpesa. I will be going to the market tomorrow to get my merchindise and I will upload the photos later on.

    Regards,

    Wanjiku

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  • Elizabeth    Oct 21, 2016

    Dear Lenders,

    Thank you very much for funding my loan application.
    I plan to add an additional hustle in my life, want to start a second hand clothes business.

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  • Elizabeth    Jun 13, 2016

    The earlier loan I received helped to increase my stock a little bit and the business was at low peak this first half of the year. But it started to pick begining of may so am positive towards greater sales in the remaining half of the year

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  • Wendy Emlyn    Apr 29, 2016

    Hello Elizabeth.
    Are you able to start making payments again yet? Please get in touch with Zidisha to discuss the best way forward.
    God bless you,
    Wendy

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  • Judith    Apr 6, 2016

    Dear Lenders,

    I have just spoken to Elizabeth and she said she will pay the arrears on Friday 8th April.

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    • Elizabeth    May 13, 2016

      Hi Judith, I cant find your No and I wanted to ask you, after how long will I get my money.I want to withdraw since for now I am not able to pay consistently

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  • Judith    Feb 23, 2016

    Helo Lenders,

    Elizabeth said she will make payment this week. All the arrears.

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  • Elizabeth    Feb 8, 2016

    The business has not yet picked very well and so I have not yet been paid for the wool I supplied last month. Will be paying KES 6,000 this coming friday 12th Feb 2016.

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  • Wendy Emlyn    Feb 6, 2016

    Can you get in touch with Zidisha to reduce your payments to a more manageable level? That is better than letting yourself get behind with your payments, which can make it harder to get future loans.
    God bless you,
    Wendy

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  • Judith    Jan 13, 2016

    Hello Lenders,

    I called Elizabeth and she said she has been away but she will make the payment for the 4 weeks today.

    I will follow up on that.

    Regards

    Judith - VM

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  • Elizabeth    Dec 18, 2015

    Good mng, I received my 1st loan this morning will keep you posted as to what I will do with it

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