Entrepreneur
Name
Salome
Member since
April 2014
On-time repayments
107 installments • 67%
About Me
INTRODUCTION
I am a married woman with one child in primary school, class 8. I went to school and finished my secondary education in 4th form. I did not go to college due to lack of fees. My challenge was how to start life because I did not have any income.
I decided to begin some small business; after having worked casually and saved some money, I took a small loan and began a business next to where I was staying in Huruma. Amazingly, GOD blessed my business and it grew very fast. I bought a plot next to where I was staying so that I could maintain my customers.
My business is 7 years old now. It has helped me to support my family and meet the needs. Even my relatives go to school, especially my sisters. It was 2 days ago when I learnt about Zidisha and I was given an invitation. Hence, I decided to get the web and apply, because my Facebook was just for friends linking, but now it will help me get a loan.
My hobbies include listening to gospel music. I am a flower gardener and I like doing it when I am free. Adding value to nature is my joy.
My Business
My Business Proposal
My business is a shop that deals with household items like sugar, fat, flour, soaps, salt, etc. My customers are the residents of Huruma Estate. They have known me for many years, so they have confidence in my business. My customers therefore trust me and I have a lot of favor.
My main source of goods is Nakuru. I buy them from the wholesale, then I come to retail. My daily sales are 1500/= profit after deductions of expenditures. My monthly income therefore is 45000/=after deductions. My shop is well-stocked. I have a vision of beginning a supermarket by next year.
My challenges are that sometimes my customers take goods and they don't pay in time. My revenue in terms of costs are license, transport tax, paying the watchman my monthly restocking the shop.
I would like to add M-Pesa to my business so that it can boost my business. My next loan I will use to buy float of M-Pesa to assist me in getting higher income in my business. Most of my neighbors in my estate have to walk long distances to go and get M-Pesa services. I will have a very big advantage because I don't have a competitor. Since the demand is very high, I will be able to repay my loan better. That means per month I will be able to add 7000/= which means 80 US dollars on my current rate. My business then will increase by adding more interest to my business, hence my living standard will improve.
Loan Proposal
Currently, my business is doing very well, because the last loan I got I used to add stock. This has increased the number of customers to my shop, hence my sales are good. I want to add value to my shop. I will use the money (20,000 kenya money, which is 250 US dollars) to buy float on the phone and 5000ksh, which is 62 US dollars, to purchase the M-Pesa kit. This will increase my daily sales by 70%.
About Me
.INTRODUCTION;I am a married woman with one child in primary school class 8 . i went to school and finished my secondary education in 4th form .i did not go to college due to lack of fees, my challenge was how to start life because i did not have any income .i decided to begin some small business after having worked casually and saved some money i took a small loan and began a business next to where i was staying in huruma .amazingly GOD blessed my business and it grew very fast. until i bought a plot next to where i was staying so that i could maintain my customers . my business is 7 years now it has helped me to support my family meet the needs and even my relatives go to school especially my sisters .it was 2 days ago when i learnt about zidisha and i was given an invitation hence i decided to get the web and apply because my face book was just for friends linking but now it will help me get a loan my hobbies include listening to gospel music i am a flower gardener i like doing it when i am free adding value to nature is my joy
My Business
my business proposal; my business is a shop which i deals with household i items like sugar, fat, flour,soaps salt etc my customers are the residents of huruma estate they have known me for many years so they have confidence in my business my customers therefore trust me and i have a lot of favor my main source of goods is nakuru i buy them from the wholesale them i come to retail my daily sales are 1500/= profit after deductions of expenditures my monthly income therefore is 45000/=after deductions my shop is well stocked i have a vision of beginning a supermarket by next year . my challenges are sometimes my customers take goods and they don't pay in time my revenue in terms of costs are license,transport tax,paying the watchman my monthly restocking the shop I would like to add m-pesa to my business so that it can boost my business my next loan i will use it to buy float of m-pesa to assist me get higher income in my business most of my neighbors in my estate have to walk long distance to go and get m-pesa services .i will have a very big advantage because i don't have a competitor since the demand is very high and i will be able to repay my loan better that means per month i will be able to add 7000/= which means 80us dollars on current rate my business then will increase by adding more interest to my business hence my living standard will improve .
Loan Proposal
Currently my business is doing very well because the last loan i got i used to add stock to my stock .this has increased the number of customers to my shop hence my sales are good . i want to add value to my shop iwill use the money 20000 kenya money which is 250us dollars to buy float on the phone and 5000ksh which is 62 us dollars to purchase the mpesa kit this will increase my daily sales by 70%
Feedback
Positive
None
Neutral
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Negative
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Loan Info
Project Type
Classic Loan
Disbursed amount
$286.00
Date disbursed
Jan 27, 2015
Repayment status
On Time
Projected term
16 months
Other loans
Lenders
KUALA LUMPUR, Malaysia
Montreal, Canada
United States
Corona Del Mar, United States
United States
United States
United Kingdom
United Kingdom
United States
Germany
Summary
Amount repaid
$334.72
Amount remaining
$0.00
Date repaid
Jul 7, 2016
Status
Fully repaid
Repayment History
| Expected Payments | Actual Payments | ||
|---|---|---|---|
| Feb 8, 2015 | $11.69 | Feb 8, 2015 | $11.69 |
| Feb 15, 2015 | $11.69 | Feb 21, 2015 | $11.69 |
| Feb 22, 2015 | $0.00 | ||
| Mar 1, 2015 | $4.49 | Mar 4, 2015 | $4.49 |
| Mar 8, 2015 | $4.49 | Mar 10, 2015 | $4.49 |
| Mar 15, 2015 | $4.49 | Mar 20, 2015 | $4.49 |
| Mar 22, 2015 | $4.49 | Mar 28, 2015 | $4.49 |
| Mar 29, 2015 | $4.49 | Mar 28, 2015 | $4.49 |
| Apr 5, 2015 | $4.49 | Apr 5, 2015 | $4.49 |
| Apr 12, 2015 | $4.49 | Apr 16, 2015 | $4.49 |
| Apr 19, 2015 | $4.49 | Apr 20, 2015 | $4.49 |
| Apr 26, 2015 | $4.49 | Apr 28, 2015 | $4.49 |
| May 3, 2015 | $4.49 | May 12, 2015 | $4.49 |
| May 10, 2015 | $4.49 | May 19, 2015 | $4.49 |
| May 17, 2015 | $4.49 | Jun 1, 2015 | $4.49 |
| May 24, 2015 | $4.49 | Jun 1, 2015 | $4.49 |
| May 31, 2015 | $4.49 | Jun 1, 2015 | $4.49 |
| Jun 7, 2015 | $4.49 | Jun 1, 2015 | $4.49 |
| Jun 14, 2015 | $4.49 | Jun 14, 2015 | $4.49 |
| Jun 21, 2015 | $4.49 | Jun 21, 2015 | $4.49 |
| Jun 28, 2015 | $4.49 | Jun 27, 2015 | $4.49 |
| Jul 5, 2015 | $4.49 | Jul 4, 2015 | $4.49 |
| Jul 12, 2015 | $4.49 | Jul 4, 2015 | $4.49 |
| Jul 19, 2015 | $4.49 | Jul 20, 2015 | $4.49 |
| Jul 26, 2015 | $4.49 | Jul 25, 2015 | $4.49 |
| Aug 2, 2015 | $4.49 | Aug 5, 2015 | $4.49 |
| Aug 9, 2015 | $4.49 | Aug 20, 2015 | $4.49 |
| Aug 16, 2015 | $4.49 | Sep 1, 2015 | $4.49 |
| Aug 23, 2015 | $4.49 | Sep 4, 2015 | $4.49 |
| Aug 30, 2015 | $4.49 | Sep 4, 2015 | $4.49 |
| Sep 6, 2015 | $4.49 | Sep 9, 2015 | $4.49 |
| Sep 13, 2015 | $4.49 | Sep 15, 2015 | $4.49 |
| Sep 20, 2015 | $4.49 | Sep 19, 2015 | $4.49 |
| Sep 27, 2015 | $4.49 | Sep 30, 2015 | $4.49 |
| Oct 4, 2015 | $4.49 | Oct 11, 2015 | $4.49 |
| Oct 11, 2015 | $4.49 | Oct 11, 2015 | $4.49 |
| Oct 18, 2015 | $4.49 | Oct 22, 2015 | $4.49 |
| Oct 25, 2015 | $4.49 | Oct 22, 2015 | $4.49 |
| Nov 1, 2015 | $4.49 | Nov 5, 2015 | $4.49 |
| Nov 8, 2015 | $4.49 | Nov 12, 2015 | $4.49 |
| Nov 15, 2015 | $4.49 | Dec 1, 2015 | $4.49 |
| Nov 22, 2015 | $4.49 | Dec 1, 2015 | $4.49 |
| Nov 29, 2015 | $4.49 | Dec 1, 2015 | $4.49 |
| Dec 6, 2015 | $4.49 | Dec 10, 2015 | $4.49 |
| Dec 13, 2015 | $4.49 | Dec 18, 2015 | $4.49 |
| Dec 20, 2015 | $4.49 | Dec 23, 2015 | $4.49 |
| Dec 27, 2015 | $4.49 | Jan 1, 2016 | $4.49 |
| Jan 3, 2016 | $4.49 | Jan 1, 2016 | $4.49 |
| Jan 10, 2016 | $4.49 | Jan 15, 2016 | $4.49 |
| Jan 17, 2016 | $4.49 | Jan 15, 2016 | $4.49 |
| Jan 24, 2016 | $4.49 | Jan 31, 2016 | $4.49 |
| Jan 31, 2016 | $4.49 | Jan 31, 2016 | $4.49 |
| Feb 7, 2016 | $4.49 | Feb 12, 2016 | $4.49 |
| Feb 14, 2016 | $4.49 | Feb 12, 2016 | $4.49 |
| Feb 21, 2016 | $4.49 | Feb 29, 2016 | $4.49 |
| Feb 28, 2016 | $4.49 | Mar 31, 2016 | $4.49 |
| Mar 6, 2016 | $4.49 | Apr 3, 2016 | $4.49 |
| Mar 13, 2016 | $4.49 | Apr 3, 2016 | $4.49 |
| Mar 20, 2016 | $4.49 | Apr 3, 2016 | $4.49 |
| Mar 27, 2016 | $4.49 | Apr 3, 2016 | $4.49 |
| Apr 3, 2016 | $4.49 | Apr 3, 2016 | $4.49 |
| Apr 10, 2016 | $4.49 | Apr 11, 2016 | $4.49 |
| Apr 17, 2016 | $4.49 | May 2, 2016 | $1.12 |
| May 2, 2016 | $3.37 | ||
| Apr 24, 2016 | $4.49 | May 2, 2016 | $4.49 |
| May 1, 2016 | $4.49 | May 2, 2016 | $2.25 |
| May 14, 2016 | $2.25 | ||
| May 8, 2016 | $4.49 | May 14, 2016 | $4.49 |
| May 15, 2016 | $4.49 | May 14, 2016 | $4.49 |
| May 22, 2016 | $4.49 | May 14, 2016 | $2.25 |
| Jun 18, 2016 | $2.25 | ||
| May 29, 2016 | $4.49 | Jun 18, 2016 | $3.60 |
| Jun 25, 2016 | $0.90 | ||
| Jun 5, 2016 | $4.49 | Jun 25, 2016 | $4.49 |
| Jun 12, 2016 | $4.49 | Jun 25, 2016 | $0.22 |
| Jul 7, 2016 | $4.27 | ||
| Jun 19, 2016 | $5.73 | Jul 7, 2016 | $5.73 |
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