Adding two computers (HP Duo Core) to my cyber-café

Pauline

Langata, Kenya

100% repaid

Entrepreneur

Name

Pauline

Member since

August 2015

On-time repayments

172 installments  •  34%

About Me

Born and raised in a slum, within the environs of langata constituency. Studied at Uhuru Gardens primary school and scored highly, securing a place in a mission school, St. Kiburia Girls high school. Ever since primary education, life within the shanties was never easy particularly for the girl child. The general public perceived a girl growing in the slum, and with the ambition to excel academically was doomed to fail or drop out, because of sexual involvement with the young men that loitered around stealing and raping kids. I stayed positive, with the target of emulating fellow girls from the surrounding suburbs that attended the same school with me. With the right mother care and inspiration from a friend, who was from the same slum dwelling but excelled to the University level, i set a path to be exemplary for fellow girls and for my own satisfaction to study and build myself a career in this competitive country, where the traditional perception of the female figure is that of giving birth and taking care of the children. With hardwork and patience, i am now a third year student at Moi University pursuing Bachelor of Science in public relations and communication.
I admire beauty and elegance. From that passion i came up with the idea of selling beauty products to classmates and friends. Demand grew and I raised cash to open a beauty shop. Besides, i was ever splendid at doing salon work, hairdressing ladies. With that skill, i have managed to upkeep and even create job opportunities for my fellow needy girlfriends, especially those with a financially incapacitated background.
My tribe, the Kisii circumcise girls. The mutilation has seen many women suffer. I was lucky to have escaped the knife because my mother brought me to Nairobi at a tender age. I would like to inspire and motivate fellow girls through my education and innovation, build an empire and with hope of eradicating poverty for the schooling fellows and thwart the traditional norms that have left the girl child separated from humanity, neglected and constantly belittled by male dominance.
I am passionate about my friend and boyfriend who rose from the same slum, washing cars for a living, went to university and now an aspiring scientist. He was my role model and my mentor. He believes in equal rights and opportunities for the female figure and wit his ideology, innovation and education has been my weapon to fight poverty.

My Business

I sell beauty products. With the growing female population in my campus, and the campus being far from a town center, my venture has grabbed the niche of bringing these products at close proximity to the buyers. Campus girls love to look appealing and with that, I created my business opportunity. I chose this business because it needed a low start up capital and had the potential to grow exponentially because the campus runs a trisemseter program which meant and steady flow of clients. For an average stock worth Sh10,000 i make up to 5,500 or more depending on female population for that particular semester. The profits accrued partly meet my upkeep needs but most are re-injected back to other investments.

Loan Proposal

Since I started my business in Moi University it's grown due to the quality service I offer my clients: my business is always full. Thanks to the partnership with my fellow lenders.
On operating with a 3rd eye, i noticed that many clients who are students were asking for internet services.I decided to add 2computers from my savings and give it a pilot project which it definitely worked.
My big challenge in business is when customers come and I am forced to send them away because my business premise is full. With addition of 2more computers,everything will be sufficient.
I wish to buy one more computer for my cybercafe. The computer is selling at Kes 22,000 (aprox USD $220). From the money I have applied for from Zidisha, I will afford the computer that will help me satisfy my customers since i have 330dollars from my savings.
I believe in this course and i believe that i'll repay my 2nd loan on time so as to elevate my credibility.
Thanks God bless you.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$119.00

Date disbursed

Dec 22, 2015

Repayment status

On Time

Projected term

11 months

Lenders

O

Oxfall

Gothenburg, Sweden

IM

Isak Maaseide

Tromso, Norway, Norway

fairspirit

Utrecht, Netherlands

H

howard

Vence, France

dlpringle

Denver, United States

M

msabalau

United States

C

Christian

Switzerland

Elise E

United States

Anonymous

Ocoee, United States

Ask Pauline a question about this project, share news and photos of your own, or send a simple note of thanks or inspiration.

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  • Mercy    Jun 22, 2017

    Hi Lenders,

    Pauline has promised to make some payments in the course of this month.

    Thanks
    Mercy

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  • Mercy    Mar 30, 2017

    Hello Lenders,

    Pauline has promised to pay by next week.

    Thanks
    Mercy

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  • Pauline    Feb 16, 2017

    Because of an almost business closure. Students are out of school due to the ongoing Lecturers strike. That means almost zero turnout of clients.

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  • Pauline    Dec 7, 2016

    Hello Zidisha.


    I deeply apologize for breaching the contract trust that i agreed to. Moreover, i also apologize for the delay in repayment, amounting 3600 in 79 days. I have not reached out to you instead, i have coward in the shame of not doing so. I honestly regret these actions. My excuse is family related and personal. But i have had to struggle to keep afloat while at school, and for that reason diverting most income for personal upkeep. 

    I am inclined to request for a plea of cancelling the mediation in return, i would make the entire payment of 3600 plus the 300 that would be due this Sunday, 11th December, 2016. I pledge to be consistent on making the subsequent repayments. I only request for you to reconsider my loan repayment history and status ever since subscribing to Zidisha for certainty of making the payments
    overdue.

    Please consider my plight. Thank you in advance.

    Yours sincerely,

    Pauline Moraa Onyari. 

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    • Kate Goodwin    Dec 11, 2016

      If you are able to get caught up now that would be wonderful but you could also adjust the payments if they are too much now.

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  • Kate Goodwin    Nov 9, 2016

    Will you be able to resume payments?

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  • Mary    Nov 3, 2016

    I have a friend in Nairobi who would like to join Zidisha. She is looking for a mentor to talk to about starting a business. Is it possible for her to contact you? Thank you, Mary

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  • Pauline    Aug 8, 2016

    The business is pushing on well. However, I've taken up a part time course that am paying for. So I'll have to balance repaying the loan and setting the fee.

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  • Pauline    Jul 25, 2016

    Hello lenders.
    I received the disbursement from zidisha today. I will buy the equipment i needed for my mini salon.
    I thank the fellows who aided in this endeavor and may the Lord bless you all. Thank you so much.

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  • Day Family    Jul 21, 2016

    Hi Pauline,
    Best wishes for your business!

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  • Pauline    Jul 21, 2016

    Hello lenders. I am super grateful for the finance you've sacrificed and willingly given to aid in the expansion of my enterprise. I am going to purchase salon equipment: a dryer, electric kettle, towels and other few stationery.
    The finance will help in the acquisition of these materials and in the long run boost my service delivery to my clients.
    I am truly grateful to all who lent their capital in this endeavor. God bless you all and thank you once more.

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  • Pauline    Jun 27, 2016

    Hi lenders,
    I would like to thank everyone who has contributed to my loan funding. Si far, it is 30% funded. I call upon more lenders so that the loan can be fully funded. Only 3 more days to go
    Your contribution will be much appreciated
    Thank you.

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  • Pauline    Jun 16, 2016

    It is with great joy that I write to inform my lenders that the previous loan made a great change in my cyber business. I was able two buy the HP laptops and they have helped me serve more clients and in a better way. Thanx to all my lenders. God bless you

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  • Mercy    May 27, 2016

    Hello Lenders,

    Pauline has premised to settle the installment by Sunday.

    Thanks
    Mercy

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  • Pauline    May 11, 2016

    I am currently on long holiday and its proving to be a little hard to make the installments as expected since my business is in school. Travelling to school to check how my business is going on is costing me cash hence I can make the 400 Ksh per week.

    The business is not bad. The loan I was lended helped big time and i managed to make the improvements I desired. Thanx to all my lenders.

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  • andyfletcher    Mar 21, 2016

    Hello Pauline,
    I hope you are well. Do you know what has happened to Evarlyne Juma? She has not made any payments so far.

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    • Pauline    Jun 16, 2016

      Hi Andy,
      I have been trying to reach Evarlyne Juma but both her contacts and those she provided are not going through. I honestly don't know how she is doing and what happened.

      thank you

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      • Pauline    Jun 16, 2016

        But I promise to keep trying, I will update you in case am able to reach her.

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  • Pauline    Feb 8, 2016

    Hello Zidisha, am glad to inform you that my business is thriving well. I was able to purchase the two computers and they hve made an impact in my business.
    Am also a proud volunteer mentor, glad that I am of help to those people out there who need assistance. So far I am loving it.
    Thanx to all my lenders for believing in me and for your support. God bless you

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  • Pauline    Dec 21, 2015

    Thanx to all my lenders. May God bless you abundantly

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  • Pauline    Dec 11, 2015

    Thank you lenders and zidisha for your continued support of helping young entrepreneurs fulfill their dreams.
    Two achievements that i have made so far...
    1.I was able to pay my previous loan on time.
    2. I'm a proud volunteer mentor.
    I'm posting my new loan proposal and i'm still hoping for your continued support.
    God bless zidisha.

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  • Pauline    Aug 20, 2015

    Many thanks to Paul Graham for believing in my dream.God Bless you.

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