Airtel money agent application

Gladys Kavita

Embakasi, Kenya

100% repaid



Gladys Kavita

Member since

January 2016

On-time repayments

107 installments  •  68%

About Me

My name is Gladys Ndungwa Kavita, Kavita is my dad.My home is located in Tala, Kangundo in Machakos County. Am the 3rd born in a family of five. i have two brothers and two sisters. I went to Matungulu Primary School where i passed well and joined kangundo girls academy where i also perfomed well despite all the challenges i faced like being sent home for school fees most times, But by Gods grace i completed my education in 2009.
After high school i couldn not go to college or campus due to lack of funds so i moved to Nairobi and joined my elder sister. She didn't have a well paying job i had to hustle to substitute her income. i worked as a casual worker at a local school. After two years i had made some savings and decided to go college but it couldnt take me through so i dropped out during the third semester and that was the end of my education life.
I started job hunt with my half cooked curriculum vitae(no experience) but God is great i secured a job at jumbo quality mattresses as a counter sales girl. my salary was kes 18000 but after making all deductions(tax, medical cover, bus fare on daily basis etc) i could only take home kes 6000. i worked there until late 2016 when I decided to start a small business. I settled for packed drinking water supply and distribution

My Business

I run a purified water depot business under A company called Aquaridge limited,where i am a major supplier and distributor of fresh purified drinking water in some parts of Nairobi and most of parts in eastern Kenya. Due to hot seasons drinking water has been a major problem to many parts of the country that's why I came up with the business idea of water supply in the most affected counties in our country.
I choose water business because it is the type of business your are almost sure of its continued growth and ready cunsumers for the service you are offering.
Basically the only expenses i have are the rent for the premises, electricity bills,money to advance my stock and the local government wok permit which costs me 30000 kes per year. I pay a monthly rent of kes 8500 and an electricity bill of kes 400. Since the business is located around where i live i don't incur bus fare cost. after all the expenses, i take home an average of kes 35000 every month and sometimes up to kes 45000 on a good month.
I have one beautiful daughter who is six years old and wishes to become a pilot when she grows up.
At the end of every month I pull funds and pay all the utility bills, house rent and school fees for my daughter then plough back some percentage of the money into my business and the rest goes to medical cover and savings.

Loan Proposal

When i started my business i had the idea of combining both Mpesa for Safaricom subscribers and Airtel money for Airtel networks subscribers but due to lack of enough funds i was unable to start the Airtel money agent.
The application requirements are ..copy of identification document, a valid business permit, a copy of Kenya Revenue Authority Pin, passport size photo and the initial float top up of kes 15000 ($150). i have all the required documents.
By God's will, if this loan is successfully funded i will use the balance i get after the registration fees and deposit is deducted to pay the deposit for the initial float top up. i will add the balance of kes 9000 ($90) from my savings.
With the airtel money agent up and running i expect profit increase with a margin of up-to 40 percent.
The profits will be used to improve the business and repay the loan.

Thank you so much. May Jehovah almighty bless you abundantly.






Loan Info

Project Type

Classic Loan

Disbursed amount


Date disbursed

Feb 7, 2016

Repayment status

On Time

Projected term

3 months

Cost to entrepreneur

Service fee: $8.29

Gladys opted to pay $107.96 into the Zidisha Members Loan Fund in return for a higher starting credit limit.




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