John

Njoro Town, Kenya

100% repaid

Entrepreneur

Name

John

Member since

April 2013

On-time repayments

15 installments  •  67%

About Me

My names are John Njau,male, husband and a father of two sons, I live in Njoro,Rift Valley Province, kenya.After I completed form four I started farming Crops like maize, beans and peans.This is where I got my experince of starting a gocery in town.I started a grocery because I wanted to help my younger brothers in schooling and also educate my two sons.Also the revenue that I was getting was not enough to cater for my basic needs.I pay school fess both my sons and my brothers since my parents are not capable.

My Business

I have a business of grocery that is primarily selling of fruits, vegetables, milk and eggs.They have a great demand because people want to eat healthy everyday and improve their healthy lifestyle.Risks that I encounter are;lack of enough space to cater for my customers,high buying price of goods that I buy and sell them.My customers prefer my business to the competition because I listen their needs,am always clean,have curtsey.The business is profitable because I have been doing it for the last four years.Risks that I encounter are; lack of enough space to cater to my customers,lack of enough stoke,lack of refrigerators to keep perishable goods e.g. milk other fruits.Monthly cost is 20,000 and a profit of 10,000.

Loan Proposal

Am very thankful to all the zidisha staffs and the zidisha lenders for accepting loan application and I praying the Almighty God to bless Zidisha organisation. After getting the loan I wish expand and improve my business, create a better environment to customers by adding more varieties in my business so that I can attract more customers and it will also help me to improve my living standard.

Feedback

None

None

None

Loan Info

Project Type

Classic Loan

Disbursed amount

$100.00

Date disbursed

May 15, 2013

Repayment status

On Time

Projected term

15 months

Lenders

V

vidarlil

Sandefjord, Norway

A

anonymus

Moon, United States

mewesten

Waynesboro, United States

Ingela

Falun, Sweden

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  • Margaret    Jul 17, 2014

    John I like your attitude. Continue with the spirit. Would also encourage that when the harvests start you buy maize and beans and come sell the to Mombasa once the prices go higher.

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  • John    Jun 25, 2014

    hi zidisha lenders i would like to reschedule my loan and repay the remaining amount so that you can be able to give me a larger amount. Please note I had no intention of running away with the loan it is just that I faced so many problems but now am focused and ready to cope rate with you.please bear with my situation and am very focused to you positive response.thanks in advance

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  • Lilian    May 26, 2014

    please kindly pay your loan to avoid further mistrust with zidisha let me kinow the problem incase you need assistance

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  • Hope2012    May 2, 2014

    Do you have any contact or information about Wanjiru Mburu? Thanks

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  • Scott    Apr 6, 2014

    Do you have any info on janet wambui's loan? No payments, no messages.

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  • John    Mar 19, 2014

    Hi zidisha lenders,am very sorry for no any reply,my sells reduced for last month because where i had located my business was demolished and I was forced to move to a new location,The cause of demolishing was because I where my business was located it was alongside the road due to expansion of the road all the business and some other shops where also demolished.This really affected my business because I lost client .I will really appreciate if you will understand me.Thanks in advance

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  • mewesten    Feb 17, 2014

    Hello Mr Njau,
    I have a question for you about a borrower you are Volunteer mentor for.
    His name is ANTONY KIARIE
    www.zidisha.org/microfinanc...

    His facebook link goes to a different name.
    Gedii John www.facebook.com/gedii.john

    His photo is a model named Antony Mulli found on this internet page.
    www.surazurimodels.com/docs...

    Would you please try to check him out and let us know what you find about him?
    He appears to have given false information to Zidisha and he has not paid his loan. Thieves like him are killing Zidisha.

    Thank you very much.
    marvin

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  • mewesten    Oct 8, 2013

    Hello Mr Njau,
    Your first loan payment arrived today. I thank you for that, especially because of the difficult circumstances you have faced.
    Good luck with your business, and please keep us informed of your situation.
    Best regards,
    marvin

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  • John    Oct 2, 2013

    Hi to all the zidisha lender am very sory to inform you that I was not able to repay the loan with the a agread period of time.I have encountered several short comings in my business which forced me to closs the business due to lack of security.I clossed the business for a period of two months because I was healing my wounds,I was attacked by theifs late in the evening when I was clossing my business,they stole my phone,money I had saved for the stock.Am thankfull for the loan you give me and am ready to repay it appropriately every month 1000Ksh untill I complete paying.thankyou all

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    • mewesten    Oct 2, 2013

      Hello John,
      I am very sorry to hear of you being attacked! That is an awful thing to happen.
      With some time and effort I hope your business will resume making income for you, and that you can pay your loan.
      best of luck to you.
      marvin

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      • John    Oct 6, 2013

        thanks alot to all the zidisha leaders.I payed 1000ksh and am focused to repay the loan.

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  • John    May 29, 2013

    Hi, to all the zidisha lenders? I have taken this oppotunity to thank you for the loan that you gave to me it has realy helped me in expanding my business by buying more variety of fruits, expanding my business.

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    • KM    Mar 12, 2014

      Hello Mr. Njau - I hope that your grocery enterprise is going well. When you have time, could you please try to contact one of the people who has been assigned to you for mentoring? He is Joshua Mwaniki, and is almost six months behind on his repayments. I would appreciate learning what is going on with him. Thank-you very much.

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  • John    May 17, 2013

    Hi to all the zidisha lenders and the staff members .I will use the loan in improving and expanding my business, buying a variety of various fruits.Thankyou very much and god bless you.

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