Name
Stephen
Member since
February 2015
On-time repayments
326 installments • 77%
My name is Stephen Kimani, but my friends call me Steve. I was born in Kiambu County in the central highlands of Kenya twenty three years ago. I was born in a farming community where most people are involved in food farming as well as livestock keeping. My parents are such farmers and I spent my childhood years in our farm helping them in their farming activities.
I went for primary school and later joined secondary school for my basic education. I did a course in electronics maintenance later and I am a qualified technician in mobile phone repair. However, I did not pursue that career because the I found the work too demanding and with very low income.
It is then that I decided to relocate to Mombasa town to live with a relative who had a business of selling motor vehicle spare parts. I worked for him for two years as a shop attendant and then decided to start my own business of selling second hand books. This is what I am still doing to date.
I deal with selling of second hand school books. I normally get the old books from parents whose children graduate to the next classes. This is a common practice in Kenya where old books are passed on to those who are in lower classes instead of buying new books which are more expensive.
I also sell new books when I run out old books stocks but this is very rare. The business is quite profitable since my profit margin is about 40%. The main challenge of this business is that it is seasonal and it normally peaks when a new school term begins usually in the months of January, May and September.
My business gives me a net income of about $200 per month. I spend this money to buy more stock and for my upkeep.
I run my business from a roadside structure but my dream is to have a secure store where the books will be safe from thieves and the elements.
When i will receive the requested monay i will use it to add stock in my books stores targetting to sell the books during the next term which is starting from next month may. This will double my profit and help me to pay my college school fees and also repaying the loan within the right time.
Positive
1
Neutral
None
Negative
None
Project Type
Classic Loan
Disbursed amount
$1,267.00
Date disbursed
Apr 15, 2019
Repayment status
Late
Projected term
28 months
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Amount repaid
$52.07
Amount remaining
$1,214.94
Expected completion
Aug 15, 2021
Status
Repaying late
Installment amount
$11.12
Expected Payments | Actual Payments | ||
---|---|---|---|
Apr 28, 2019 | $24.64 | Apr 28, 2019 | $24.64 |
May 5, 2019 | $0.49 | May 4, 2019 | $0.49 |
May 12, 2019 | $0.49 | May 4, 2019 | $0.49 |
May 19, 2019 | $0.49 | May 4, 2019 | $0.49 |
May 26, 2019 | $0.49 | May 4, 2019 | $0.49 |
Jun 2, 2019 | $0.49 | May 4, 2019 | $0.49 |
Jun 9, 2019 | $0.49 | Jun 9, 2019 | $0.49 |
Jun 16, 2019 | $0.49 | Jun 9, 2019 | $0.49 |
Jun 23, 2019 | $0.49 | Jun 9, 2019 | $0.49 |
Jun 30, 2019 | $0.49 | Jun 22, 2019 | $0.49 |
Jul 7, 2019 | $0.49 | Jun 22, 2019 | $0.49 |
Jul 14, 2019 | $0.49 | Jul 17, 2019 | $0.49 |
Jul 21, 2019 | $0.00 | ||
Jul 28, 2019 | $0.00 | ||
Aug 4, 2019 | $0.00 | ||
Aug 11, 2019 | $0.00 | ||
Aug 18, 2019 | $0.49 | Sep 12, 2019 | $0.49 |
Aug 25, 2019 | $0.49 | Sep 12, 2019 | $0.49 |
Sep 1, 2019 | $0.49 | Sep 12, 2019 | $0.49 |
Sep 8, 2019 | $0.49 | Sep 12, 2019 | $0.49 |
Sep 15, 2019 | $0.49 | Sep 12, 2019 | $0.49 |
Sep 22, 2019 | $0.49 | Oct 13, 2019 | $0.49 |
Sep 29, 2019 | $0.49 | Oct 13, 2019 | $0.49 |
Oct 6, 2019 | $0.49 | Oct 13, 2019 | $0.49 |
Oct 13, 2019 | $0.49 | Oct 13, 2019 | $0.49 |
Oct 20, 2019 | $0.49 | Oct 13, 2019 | $0.49 |
Oct 27, 2019 | $0.49 | Nov 27, 2019 | $0.49 |
Nov 3, 2019 | $0.49 | Nov 27, 2019 | $0.49 |
Nov 10, 2019 | $0.49 | Nov 27, 2019 | $0.49 |
Nov 17, 2019 | $0.49 | Nov 27, 2019 | $0.49 |
Nov 24, 2019 | $0.49 | Nov 27, 2019 | $0.49 |
Dec 1, 2019 | $0.49 | Dec 21, 2019 | $0.49 |
Dec 8, 2019 | $0.49 | Dec 21, 2019 | $0.49 |
Dec 15, 2019 | $0.49 | Dec 21, 2019 | $0.49 |
Dec 22, 2019 | $0.49 | Dec 21, 2019 | $0.49 |
Dec 29, 2019 | $0.49 | Dec 21, 2019 | $0.49 |
Jan 5, 2020 | $0.49 | Jan 3, 2020 | $0.49 |
Jan 12, 2020 | $0.49 | Jan 3, 2020 | $0.49 |
Jan 19, 2020 | $0.49 | Jan 3, 2020 | $0.49 |
Jan 26, 2020 | $0.49 | Jan 3, 2020 | $0.49 |
Feb 2, 2020 | $0.49 | Jan 3, 2020 | $0.49 |
Feb 9, 2020 | $0.00 | ||
Feb 16, 2020 | $0.49 | Feb 18, 2020 | $0.49 |
Feb 23, 2020 | $0.49 | Feb 25, 2020 | $0.49 |
Mar 1, 2020 | $0.49 | Mar 4, 2020 | $0.49 |
Mar 8, 2020 | $0.49 | Mar 10, 2020 | $0.49 |
Mar 15, 2020 | $0.49 | Mar 17, 2020 | $0.49 |
Mar 22, 2020 | $0.49 | Mar 17, 2020 | $0.49 |
Mar 29, 2020 | $0.00 | ||
Apr 5, 2020 | $0.00 | ||
Apr 12, 2020 | $0.00 | ||
Apr 19, 2020 | $0.00 | ||
Apr 26, 2020 | $0.00 | ||
May 3, 2020 | $0.00 | ||
May 10, 2020 | $0.00 | ||
May 17, 2020 | $0.50 | May 17, 2020 | $0.50 |
May 24, 2020 | $0.50 | May 26, 2020 | $0.50 |
May 31, 2020 | $0.50 | Jun 2, 2020 | $0.49 |
Jun 4, 2020 | $0.01 | ||
Jun 7, 2020 | $0.50 | Jun 4, 2020 | $0.50 |
Jun 14, 2020 | $0.00 | ||
Jun 21, 2020 | $0.00 | ||
Jun 28, 2020 | $0.00 | ||
Jul 5, 2020 | $0.50 | Jul 7, 2020 | $0.50 |
Jul 12, 2020 | $0.50 | Jul 26, 2020 | $0.50 |
Jul 19, 2020 | $0.50 | Jul 26, 2020 | $0.50 |
Jul 26, 2020 | $0.50 | Jul 26, 2020 | $0.50 |
Aug 2, 2020 | $0.50 | Jul 26, 2020 | $0.50 |
Aug 9, 2020 | $0.01 | Jul 26, 2020 | $0.01 |
Aug 16, 2020 | $0.50 | Aug 18, 2020 | $0.50 |
Aug 23, 2020 | $0.50 | Aug 25, 2020 | $0.50 |
Aug 30, 2020 | $0.50 | Aug 25, 2020 | $0.50 |
Sep 6, 2020 | $0.50 | Aug 25, 2020 | $0.01 |
Aug 25, 2020 | $0.49 | ||
Sep 13, 2020 | $0.00 | ||
Sep 20, 2020 | $0.01 | Oct 6, 2020 | $0.01 |
Sep 27, 2020 | $0.01 | Oct 6, 2020 | $0.01 |
Oct 4, 2020 | $0.01 | Oct 6, 2020 | $0.01 |
Oct 11, 2020 | $0.01 | Oct 31, 2020 | $0.01 |
Oct 18, 2020 | $0.01 | Oct 31, 2020 | $0.01 |
Oct 25, 2020 | $0.01 | Oct 31, 2020 | $0.01 |
Nov 1, 2020 | $0.01 | Oct 31, 2020 | $0.01 |
Nov 8, 2020 | $0.01 | Oct 31, 2020 | $0.01 |
Nov 15, 2020 | $0.01 | Oct 31, 2020 | $0.01 |
Nov 22, 2020 | $0.01 | Oct 31, 2020 | $0.01 |
Nov 29, 2020 | $0.01 | Oct 31, 2020 | $0.01 |
Dec 6, 2020 | $0.02 | Oct 31, 2020 | $0.02 |
Dec 13, 2020 | $0.01 | Dec 29, 2020 | $0.01 |
Dec 20, 2020 | $0.01 | Dec 29, 2020 | $0.01 |
Dec 27, 2020 | $0.01 | Dec 29, 2020 | $0.01 |
Jan 3, 2021 | $0.01 | Dec 29, 2020 | $0.01 |
Jan 10, 2021 | $0.01 | Dec 29, 2020 | $0.01 |
Jan 17, 2021 | $0.01 | Dec 29, 2020 | $0.01 |
Jan 24, 2021 | $0.01 | ||
Jan 31, 2021 | $11.12 | ||
Feb 7, 2021 | $11.12 | ||
Feb 14, 2021 | $11.12 | ||
Feb 21, 2021 | $11.12 | ||
Feb 28, 2021 | $11.12 | ||
Mar 7, 2021 | $48.74 | ||
Mar 14, 2021 | $48.74 | ||
Mar 21, 2021 | $48.74 | ||
Mar 28, 2021 | $48.74 | ||
Apr 4, 2021 | $48.74 | ||
Apr 11, 2021 | $48.74 | ||
Apr 18, 2021 | $48.74 | ||
Apr 25, 2021 | $48.74 | ||
May 2, 2021 | $48.74 | ||
May 9, 2021 | $48.74 | ||
May 16, 2021 | $48.74 | ||
May 23, 2021 | $48.74 | ||
May 30, 2021 | $48.74 | ||
Jun 6, 2021 | $48.74 | ||
Jun 13, 2021 | $48.74 | ||
Jun 20, 2021 | $48.74 | ||
Jun 27, 2021 | $48.74 | ||
Jul 4, 2021 | $48.74 | ||
Jul 11, 2021 | $48.74 | ||
Jul 18, 2021 | $48.74 | ||
Jul 25, 2021 | $48.74 | ||
Aug 1, 2021 | $48.74 | ||
Aug 8, 2021 | $48.74 | ||
Aug 15, 2021 | $38.36 |
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