Mobile phone payment service center

Joscah

Mbotela, Kenya

100% repaid

Entrepreneur

Name

Joscah

Member since

November 2017

On-time repayments

158 installments  •  80%

About Me

About Me
My name is Joscah Nyarangi Nyaata 33years old, a Mother of two kids.
I grew up in Kisii town in Nyamira County of Kenya, which is a community land for the Kisii community of Kenya.
I did my KCPE at Eronge Primary School in the year 2001, then attended St. Danes Eronge Secondary School in the year 2005 but could not manage to make it to campus, as I didn't meet the cut-out points for it and my parent who was subsistence farmer, could not afford to pay for me to join a Private Campus.
I later moved to the capital city of Kenya Nairobi in the year 2006 to such for a casual job since I was not educated enough to get a skilled job. Later on I managed to get casual job at Tesco Co-operation Company in the year 2007 where I worked for one year and eventually the contract of my job was terminated.
Since then I was forced to move back to such for another job. In the process of job search I was married to a young man who was also a job seeker in the year 2007 .In the year 2008 we were blessed with a baby boy where life took a different direction.
With my young son I was forced to start a small business together with my husband . We were selling Onions, Potatoes, and kales on the road side. We saved money and luckily we managed to open up a shop where life became a bit fair.
In the process of struggling to make ends meet, I was also blessed with a baby girl in the year 2014. This is the year I discovered that I needed a lot of income for my new born baby and my son who wants to become an Information officer and my girl who wants to a be nurse.
I decided to change my business to be a an Mpesa and a photocopy shop rather than a shop. And now i have even included agencies whereby i learn kcb, cooperative and equity agencies.

My Business

My Business
In 2014 January, I picked up the idea to start an M-pesa and photocopy. I have chosen M-pesa because is the fastest growing business in our country Kenya. This is the business which helps young youth to manuvaour in life. Since people have to sent money from one place to another without travelling to exact place. I plan to venture into big Mpesa since as per now I learn short of capital to make the business what it is, which has made me to request a favour of Zidisha plus loan to improve the income of my business.
The small money that earn use them in schooling my son and my daughter who are at school. My son is 11 years and my daughter is 5 years old. My 11 year old son would love to be Doctor when he grows up, and a bit of Home sustenance plus will use these to help repay my loan. Kindly consider.

Loan Proposal

I could like to add capital to my agency business which includes mpesa, coperative agent, equity agent and kcb agent which needs alot of capital in order to operate.
Some money will be used to buy clothes for my kids and myself. Some I will buy food.

Income Source

I truly thank God that I never closed my business. I do learn the business as usual despite the business is abit low in form of profit compaired the other days.
I will try my best to pay the loan to the end.
May the Lord intervene in my business so as to pay without no hestatate.

Feedback

6

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Loan Info

Project Type

Classic Loan

Disbursed amount

$1,633.00

Date disbursed

Jul 10, 2020

Repayment status

On Time

Projected term

3 months

Lenders

Scotts5320

New York, United States

G

GoughGirl

Washington, Dc, United States

Laparo

Dusseldorf, Germany

M

mbarbier

United States

Anna Hoad

Toronto, Canada

M

Margaret

United States

Paul Buchheit

Mountain View, United States

Peter Collins

Darmstadt, Germany

C

Charles

Australia

Dao Nguyen

austin, United States

Andrew

United States

B

Bram

Germany

R

Roman

Germany

RS

Ralph Smyth

United Kingdom

Christine

Munich, Germany

GF

Gammon Family

United States

NB

Nikolaus Bührer

Karlsruhe, Germany

CA

Chad Aboud

Toronto, Canada

Angela Chu

Toronto, Canada

L

Lauren

Sacramento, United States

M

mhuuden

Netherlands

R

Rafael

Switzerland

P

PS

United States

KS

Kevin Scott

United States

ND

Newport DECA

United States

A

Anonymous

Switzerland

TN

Todd Naylor

United States

EW

Eric West

United States

Jakrae

Dallas, TX, United States

S

Sibyl

Basel, Switzerland

M

MaggieK

United States

T

Tim

Australia

A

Abby

United States

M

Mila

United States

RD

Regan Dishon

United States

Noel Hamill

Halifax, Canada

JA

Justin A

Fort Collins, United States

CT

Chev T

Australia

JP

Brazil

A

Anonymous

United States

Zimei

United States

C

Chris

United States

Tom Purser

Cambridge, United Kingdom

Claudius Brasil

United Kingdom

S

Sara

Germany

Simon

Los Angeles, United States

PP

Paul Pajo

Philippines

MS

Mark Serpa

United States

SK

Steven Kardos

United States

MD

Mark Dunphy

United States

KM

Kirk Moore

Cerdanyola del Vallès, Spain

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Summary

Amount repaid

$1,633.87

Amount remaining

$0.00

Date repaid

Nov 6, 2020

Status

Fully repaid

Repayment History

Expected Payments Actual Payments
Jul 20, 2020 $96.57 Jul 22, 2020 $96.57
Jul 27, 2020 $96.57 Jul 29, 2020 $96.57
Aug 3, 2020 $96.57 Aug 5, 2020 $96.57
Aug 10, 2020 $96.57 Aug 12, 2020 $96.57
Aug 17, 2020 $96.57 Aug 20, 2020 $96.57
Aug 24, 2020 $96.57 Aug 26, 2020 $96.57
Aug 31, 2020 $96.57 Sep 3, 2020 $96.57
Sep 7, 2020 $96.57 Sep 10, 2020 $96.57
Sep 14, 2020 $96.57 Sep 17, 2020 $96.57
Sep 21, 2020 $96.57 Sep 25, 2020 $96.57
Sep 28, 2020 $96.57 Oct 4, 2020 $96.57
Oct 5, 2020 $96.57 Oct 12, 2020 $96.57
Oct 12, 2020 $96.57 Oct 20, 2020 $96.57
Oct 19, 2020 $96.57 Oct 28, 2020 $96.57
Oct 26, 2020 $96.57 Nov 4, 2020 $96.57
Nov 2, 2020 $96.57 Nov 6, 2020 $96.57
Nov 9, 2020 $88.72 Nov 6, 2020 $88.72

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