M-PESA mobile phone payment service

Valentine Mongola

Elburgon, Kenya

2% repaid

Entrepreneur

Name

Valentine Mongola

Member since

July 2014

On-time repayments

279 installments  •  9%

About Me

My names are valentaine asaale mongolo.I am a mother of three and currently living widow after my husband was killed in Somalia one year ago.He was serving as a soldier in Kenya.
I live in Elburgon setelite estate and i do my business in Elburgon town.I have a certificate in hair and beauty from Vera and Beauty College in Nairobi.At this point i have a beauty shop in Elburgon where i run an Mpesa and offer my service to my customers.
Besides that i am a gospel artist at our church here in Elburgon and i am planning to realise my first and new album very soon.

My Business

I am in the business of beauty now and as mpesa agent.I run a salon,Mpesa and sell local made and imported shoes,children wear,makeups.Most of my customers comes from within the town.When i started this business i faced so many challeges such as lack of enough capital and stiff competition but with time now as i had improved on the service i offer,am now at the pick within this area.Now i am proud to run a successful,stable and reliable business.
Today if the opportunity is given to have a loan,i will use it to expand my business by bringing new products that will attract me more customers hence earn me more income.

Loan Proposal

I thank you very much for your last loan though almost all of it was stolen by cons.I thank Zidisha community for being patient to because i was left with almost nothing.But Zidisha was just a wonderful family.If it were bank loan all my property would have been auction.Zidisha gave me humble time during my hard time till i was able to repay my loan.Now i apply for third loan and this is my budgeting:

-$900 i want to add to my mpesa service float as this is the business which contribute a larger amount to my earning.This will enable me to give service to many customers hence increasing my profit by atleast 65%.

-$350 i will add beauty products to my shop especially from Uganda which has high demand and less competition.

-$100 i will pay rent,labour for one lady whom i employ and electricity bill so as to reduce future expences.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$1,438.16

Date disbursed

Jan 26, 2015

Repayment status

Late

Projected term

61 months

Cost to entrepreneur

Lender interest: $1,438.16 at 4.84% annual rate over 61 months = $351.86

Service fee: $268.66

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