To buy a refrigerator for my fruit-blending business

George

Limuru, Kenya

33% repaid

Entrepreneur

Name

George

Member since

August 2015

On-time repayments

128 installments  •  36%

About Me

My names are George Muiru and I was born on April 4th 1990 to a polygamous family of sixteen children. My father had two wives and I am the fifth born of my mother. I started schooling when I was five years at Rongai primary school and went on to Kinyogori high school and later on to Kenya school of business studies where I did a Diploma in business management. I faced a lot of challenges growing up since we were very many in our home and our Dad could not sufficiently provide for us. Many are the times I was at home due to lack of school fees, my uniforms we always worn out and in patches, I depended mostly on bursaries and food was always very scarce. When I recall my early childhood life, I just thank God for it was purely his mercies that saw me through. I am very happy to be accepted to join Zidisha and I feel that this is another of many blessings that God has given me.
I graduated in 2011 and started searching for a job that would sustain and cater for my needs. Finding a job became a big challenge as jobs are very scarce in Kenya. I spent a whole year without a job before I decided to start my own business. I borrowed some money from my elder brother and started buying fruits from farmers and other traders and selling them in our local market. I deal with apples, oranges, bananas, pine apples, Avocados, grapes and other types of local fruits. The business has been providing for me and for my family. I have a wife and two lovely girls. My children are still young to know what they want to be once they grow up but I pray that they will be good citizens and will lead successful lives. I have a hobby of playing football during my leisure time and on Sunday afternoons; we meet with my peers at our church playground for some fascinating matches.

My Business

My business is selling fruits, fruit puddings and fruit juices. I started this business over the last two years and has been providing for me and my family. Fruits are part of the diet in most households and a prescription to many people who wants to live a healthy life. Most of my peers whom we play football with take fruit juices during and after exercises and matches. The reason I choose this business is because the people within and around the locality love eating fruits and drinking fruit juices for healthy living. Fruits are always in high demand.
The cost of running this business is not very high and is very manageable. During dry seasons, its very difficult to get some fruits like oranges, bananas and grapes. I travel to other counties where fruits do well and it takes a lot of bargaining to secure a good take. I spend about 10 to 20 dollars depending on the market prices to buy the fruits and bring them to the market. Some fruits are highly perishable and go bad quickly however business is not that bad either especially on market days. After selling them and deducting my expenses, am left with 18 dollars or 20 dollars on a good market day. I use this money to pay for my house rent, pay school fees for my daughters who dreams to be Lawyer and a Teacher ,and provide food for my family. I am always re –investing part of my profits to keep my business going and all this thank to Zidisha family who introduced me to My Kind lenders whom have boosted my Business when they advanced me with my first loan.

Loan Proposal

Following successfully purchased a Blender using my first loan, If my second loan is funded, I will purchase a Fridge to conserve fruits which I will now be purchasing in bulk during rainy seasons without the fear of them going bad and this will ensure that my customers will not lack their flavors even if in dry seasons where some of fruits become scarce or too much expensive.
This will also minimize the wastage of blended juice,where I usually cant predict the numbers of customer who will visit me in a particular day.At a time I may blend less juice which will led to complains from my customers who are my Kings and Queens or blend more juice than the numbers of customers,Which force me to give out for free to my friend and relatives to avoid it from going bad as my customers only take fresh juice.
At a number of time my customers have proposed this to me and I have visited an electronic shops to negotiate on how they can sell me a fridge at a loan but have totally disagreed.
Now I find this chance that only My family Zidisha lenders can assist me to grow my business to another steps through lending me a Loan and this will empower me to raise more revenue to Educate my daughters,grow my community as well as my beloved country.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$301.00

Date disbursed

Aug 15, 2016

Repayment status

Late

Projected term

20 months

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