AirTel mobile-money service agent

Mwenda Kaluwaji

Lusaka, Zambia

100% repaid

Entrepreneur

Name

Mwenda Kaluwaji

Member since

March 2016

On-time repayments

263 installments  •  63%

About Me

My full name is Mwenda Kaluwaji aged 31 male based in Lusaka Zambia. I grew up in a huge family where we had to share every little we had. Completed my high school back in the year 2006 then went on to pursue a course in business management which has always been my passion. Well after College I got a job at Entrepreneurs Financial Centre (EFC Zambia) one of the leading micro-finance organisation in Zambia. I was hired as a Sales Representative. Unfortunately the job did not last as expected ,but since I had saved some money I decided to start a business from the experience I got interacting with entrepreneurs from different walks of life and backgrounds. I later decided to venture into a profit making business till to date.
The uniqueness of my country is that it has about 60 percent of water-bodies of southern Africa contained in Zambia.
I envision my children to grow up in a modern city so as to ease and increase opportunities for them to pursue careers that they will be passionate about and ultimately be relevant in society.
And lastly, my hobbies include but not limited to reading and travelling.

My Business

My business is growing by the day and i have just ventured into potato selling.

This type of business is on demand because of growing fast foods restaurants around.

Having gained experience in running businesses i have decided to diversify into potato selling because of low cost of running it and also having access to my daily profits will help me plan well for growth plus during winter sales for potatos go up hence taking up this business during the gold rush season.

My typical costs range from paying rent $50 for my shop monthly, i have only employee who helps me when i go out to do other errands and so salary lunch plus transport is costing to $100 then also ordering of poatoes costs every week $200

The previous loan has really helped me stabalise my savings. the loan im applying for will greatly help me boost my stock through profits to reinvest in the business for more growth, i will also manage to pay for my degree program which im starting next month and manage other expenses.

Loan Proposal

The applied loan will firstly help me strengthen my liquidity at the booth as i plan to boost it a step further to meet the demand in currently having

the benefit it will bring me is that my weekly monthly commission will increase because with mobile money the more a transact huge amounts the higher my commission and it will also help me save for a shop which i intend to open soon. my family will also continue to benefit as it will help in paying our rentals and provide educational assistance to my young ones

i expect my business to grow with another 25% after i acquire this loan.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$526.05

Date disbursed

Oct 12, 2019

Repayment status

On Time

Projected term

20 months

Cost to entrepreneur

Service fee: $18.22

Credit risk payment: $109.55

Lenders

J

jeffb

United States

T

Tmann

Los Angeles, United States

A

Anninymouse

Southampton, United Kingdom

Dianne

Maryville, United States

Mikey

London, United Kingdom

investor

Candiac, Canada

G

garrybuck

Oro Valley, United States

JLadieu

Bellingham, United States

Kjartan

Oslo, Norway

MarktheMormon

Sandy, Utah, United States

I

Interfree

Dubai, United Arab Emirates

L

ldron7

Utah, United States

AWeber

Washington, DC, United States

dsmart978

Bondurant, United States

J

JakeA

Wellington, New Zealand

C

cjmenchaca

Austin, United States

beverly

Vancouver, Canada

CharlieBfl

Vaduz, Liechtenstein

B

Bavarian

Bavaria, Germany

F

fisaire

Ithaca, United States

G

grahamfamily

Guildford, United Kingdom

indeh

London, United Kingdom

rasmus

Bern, Switzerland

Erica

Caledon, Canada

Cloudways

Malta, Malta

element

Trondheim, Norway

lorello

Vicopisano, Italy

R

Rking

Eugene, United States

Christopher

Copenhagen, Denmark

L

leeirel

Edmonton, Canada

Maxey

Amstelveen, Netherlands

fairspirit

Utrecht, Netherlands

K

kikusin

Shanghai, China

Bobrm2k3

Charleston, United States

Marktwain

Telford, United Kingdom

L

Liz

Nowra, Australia

N

nba1999

Beijing, China

BF

Bob Fitzjohn

Fontvielle, Monaco, Yemen

M

miriamg

Toronto, Canada

Treesforpeople

Oxfordshire, United Kingdom

indrayudha

Jakarta, Indonesia

GarmdGriek

Oslo, Norway

Zal0m0n

Atlantis!!!! x), Mauritania

B

Bokolo

Leeds, United Kingdom

gseletko

South Perth, Australia

A

anagnan

BRUXELLES, Belgium

A

adamtj

toronto, Canada

xtrahardware

Cazenovia, United States

markpearson

Portsmouth, United Kingdom

E

E

Marin county, United States

Freewolf

Salt Lake City, United States

B

bwitt

Berkeley, United States

H

hambunny

Manchester, United Kingdom

G

GanSatya

United States

TomF925

www.AfricaLeap.com, United States

sderickson

Berkeley, CA, United States

A

andrewpbrett

United States

O

oonbug

United States

pvilliger

Zurich, Switzerland

H

HoseB

San Francisco, United States

bcortazar

Peckville, United States

A

ajayhk

San Jose, United States

A

angelapeat01

United States

Lisbeth

Perth, Australia

C

ColoradoSkier

Denver, United States

S

Stephan

Netherlands

LJ

United States

M

mariamfula

United States

Ren

Minneapolis/StPaul, United States

M

Melissa

United States

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

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  • Mwenda Kaluwaji    Feb 26, 2022

    I have made payment on 21febuary but it's not reflected so will pay this amount in the mean time

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  • Mwenda Kaluwaji    Feb 13, 2022

    The reason for this adjustment is to pay on time as the amount will allow me to settle in full eventually

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  • Mwenda Kaluwaji    Jan 22, 2022

    I'm starting to clear of the balance next week for now will pay this amount

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  • Mwenda Kaluwaji    Jan 7, 2022

    I'm preparing to be up to date with payment hence puting a smaller amount

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  • Mwenda Kaluwaji    Dec 31, 2021

    I'm grateful for the flexibility of the payment will raise the amount next month to clear the balance

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  • Mwenda Kaluwaji    Dec 17, 2021

    With the smaller amount it will be managed to pay the credit as I plan to clear the upaid amounts

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  • Mwenda Kaluwaji    Dec 9, 2021

    The amount is helping manage to pay dispite being behind but will definetly be up to date with payments as sales have started to grow.

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  • Mwenda Kaluwaji    Nov 7, 2021

    currently I'm not able to pay full amount but the amount chosen will help me pay something and clear the outstanding as well as I just wait on my pay from clients

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  • Mwenda Kaluwaji    Oct 21, 2021

    This will help me manage to be upto date with payment before i start paying agreed amount or more.

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  • Mwenda Kaluwaji    Sep 27, 2021

    being behind with payments the amount will help me pay this friday to eventually be at par with balance due

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  • Mwenda Kaluwaji    Sep 6, 2021

    i will be able to pay this on time before i get back to my normale schdule amount. sales are picking now on my business.

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  • Mwenda Kaluwaji    Aug 9, 2021

    i would like to continue paying at the 220 amount till month end and its affordable to repay if i missed a day or two

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  • Mwenda Kaluwaji    Jul 16, 2021

    i will manage to pay this amount so i do not miss payment date then increase again

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  • Mwenda Kaluwaji    Jul 6, 2021

    This is to confirm that I received the correct amount and I'm grateful

    I have currently made an order of potatoes having them delivered tomorrow with the same money

    To my lenders thank you for supporting my project and helping me to grow my business I'm forever thankful

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  • Mwenda Kaluwaji    Jul 3, 2021

    Thank you to all my lenders

    The money will help me buy more stock of potatoes and also pallets were I will be able to store my potatoes this will cost me $217 the remainder will help me order drinks to add to my daily sales

    This money will help me stablize my income and also assist me in my education as I start doing my degree programmes

    To my lenders thank you for the continued support and for making my project possible

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  • ME    Jun 30, 2021

    Nice job finding a growing area to invest in, good luck!

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  • Mwenda Kaluwaji    Jun 26, 2021

    Firstly i just want to thank Zidisha for the continued support i have received over the years i have been with them.

    The loan has helped me build my business my savings have stabalised by 30% i also managed to purchase a booth which is currently used for mobile money

    The other achievement is that much of the profits i have made is going to pay for my degree programe which im starting next month

    Im really grateful to the Lenders and plan on using the next funds to reinvest in my business for continuous growth

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  • Mwenda Kaluwaji    May 12, 2021

    Im ready to complete repaying my loan so I can apply for another ence want to increase my repayment amount thank you for the flexibility Zidisha offers for repayment

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  • Mwenda Kaluwaji    Apr 23, 2021

    It's flexibile to manage paying but will do a once off payment to clear all the coming weeks

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  • Ramsay Banda    Apr 6, 2021

    I spoke to Mwenda, He said he repaid but his repayment has not yet reflected. Thank you.

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