Charles Ndiritu

Kiptagwanyi Center, Kenya

6% repaid

Entrepreneur

Name

Charles Ndiritu

Location

On-time repayments

26 monthly installments  •  35%

About Me

joseph githara was born in 1989 in muranga county kingumo location in kenya. i live in embakasi pipeline which is about 20 kilometers from Nairobi city . i was raised by one parent my mother whose name is cicelia muthoni. i started my education in 1996. i completed my primary education and joined rungiri secondary school. when i completed i started working in a hotel called sukim which is located at jomo kenyatta international airport up to 2010 where i started to sell second hand cloth to support my financial problems. the earnings from this business has help me a lot to get basic needs and also to pay house lent and many other needs i plan to extend my business so that i can grow in future to become the must successful business man if GOD wishes my you be blessed.

My Business

my business entail in cereal buying and also selling in this area.i started this business after my retire from the army job.i started with the money which i was paid as a sendoff in the army.i have been buying cereal from the local and sometime when there is no cereal in this area i move my business to the other area where thy are doing harvest like busia ,bugoma, and other place in western province where thy harvest late than this area so that i can keep my business leaving my store to my wife and sometime i employ somebody to sell the cereal to a small consumer in this area like hotelier who cook for their customer.and also if the harvest is good in the area, i buy to the businesspeople who buy from the farmer direct and transport to the other area in this country where there is drought like ukabani.the business is profitable and the demand of my service is high. the main challenge is poor road in this area like the rainy season.high cost of living . high price of commodity in the area which is accelerated by drought sometime

Loan Proposal

Am planning to buy a posho mill.this will be of great help to my customers who buy cereals like maize,wheat,sorghum among others from my store and have to go some miles to look for a Miller
if i buy this machine my customers will be very happy because they will be getting an extra service of milling their products in my store. This will also be an advantage to me because my sales will increase hence my profit will also go high

Show original English  

About Me

charles ndiritu ngatia was born in 1962 in nyeri county ,kasarani location kenya country in 1962 . i live in kiptagwanyi center. kiptagwanyi is about 43 kilometer from nakuru town.i was raised by two parent mother and father whose name is ngatia and wambui.i started my education in 1968. i completed my primary education and join mangu secondary school which was the provincial school,when i completed my o lever.as the country was very young and needed young people to defend it Territory, i join Kenya army.and at that time is when i marry my wife.we were bless with 8 children ,3 girls and 5 boys.i migrate from my home area to kiptagwanyi after i posted to lanet barrack.in 1990, in 1995 i retire from the army and join my family in kiptagwanyi where i started cereal business from the retire money which i got from my work.i stated this business to support my family. the earning from thus business help my family to get basic need and also to pay like hospital insurance fund every year for my family.also i have two children in primary and one in secondary school who is in form three this year and the two are in stardard 8 this year so i plan if GOD wish this two will go to secondary

My Business

my business entail in cereal buying and also selling in this area.i started this business after my retire from the army job.i started with the money which i was paid as a sendoff in the army.i have been buying cereal from the local and sometime when there is no cereal in this area i move my business to the other area where thy are doing harvest like busia ,bugoma, and other place in western province where thy harvest late than this area so that i can keep my business leaving my store to my wife and sometime i employ somebody to sell the cereal to a small consumer in this area like hotelier who cook for their customer.and also if the harvest is good in the area, i buy to the businesspeople who buy from the farmer direct and transport to the other area in this country where there is drought like ukabani.the business is profitable and the demand of my service is high. the main challenge is poor road in this area like the rainy season.high cost of living . high price of commodity in the area which is accelerated by drought sometime

Loan Proposal

Am planning to buy a posho mill.this will be of great help to my customers who buy cereals like maize,wheat,sorghum among others from my store and have to go some miles to look for a Miller
if i buy this machine my customers will be very happy because they will be getting an extra service of milling their products in my store. This will also be an advantage to me because my sales will increase hence my profit will also go high

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Loan Info

Project Type

Classic Loan

Disbursed amount

$988.11

Date disbursed

Dec 10, 2013

Repayment status

Late

Projected term

18 months

Cost to entrepreneur

Lender interest: $988.11 at 3.70% annual rate over 18 months = $55.25

Service fee: $74.66

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