An incubator for my poultry farm

Alvins Okumu

Chokaa Village-lower Njiru, Kenya

11% repaid



Alvins Okumu

Member since

January 2014

On-time repayments

66 installments  •  42%

About Me

My name is Alvins Okumu. I come from a family that consists of my four sisters and myself as the only surviving brother. My parents have both died. My Father, Mr Thomas Okumu Opar was a roads Engineer and my late mum was a teacher. I am a marketer by profession and also has vast interest in Paints and allied products after working in that sector for over 10 years. I live in my house in an area called CHOKAA village also known as lower Niru just next to the Light industries. My wife and I own a second hand clothes business where we buy in bales and re sell.We are buying bakery materials and fast foods items in preparation for our next business venture. I also own a Paints and allied products distribution business where I supply the items to workshop owners and contractors. I have a small poultry farm that I set up using the first zidisha loan. I have also managed to pay school fees for an aids orphan whom I am now staying with due to the additional income from the sales of eggs.

My Business

I have a small company called ESTOM VENTURES. I buy and re-sell paints and allied products like wood glues,thinners, turpentine and varnishes. These items are of high demand because more people are building their houses hence the need to paint them as per their taste. There is also a rising demand for furniture and the items are vital for a perfect finish. I have a competitive advantage over others because my painters offer quality painting services.The business is profitable because i buy from manufacturers and re sell at a good margin and also charge a fee for the painting. I set aside about Ksh. 50,000 monthly for my stock and other related expenses.My profits is about Ksh.20,000 to 30,000 monthly. I intend to use the loan to put up a bigger structure for my poultry and buy more chicks.Right now I have 30 chichs but my desire is to have 300 and above as my poultry target. My clothes business have a good returns of about Ksh. 6000 to 8000 weekly and most of it can be used to repay the loan in a short period of 6 months.

Loan Proposal

I have always desired to help other youths lift their living standards and this incubator will be used to hatch chicks and sell to them at an affordable fee . I have identified a few that have formed groups to raise money for the chicks and I desire to be their supplier.
The cost of incubator = Ksh. 62, 500
Our exchange rate =Ksh 88 to the dollar
The cost in dollars = $ 710
Once again I am appealing to you honorable lenders to help us realize this collective dream.






Loan Info

Project Type

Classic Loan

Disbursed amount


Date disbursed

Nov 10, 2014

Repayment status


Projected term

9 months

Cost to entrepreneur

Lender interest: $708.83 at 7.69% annual rate over 9 months = $42.83

Service fee: $20.35




austin, United States



Los Angeles, United States


Candiac, Canada



Los Alamos, United States



Geneva, Switzerland


Stockholm, Sweden



Seattle, United States


Malta, Malta



London, United Kingdom



Virginia, United States



Oakland, United States


Melbourne, Australia



Vancouver, Canada


San Jose, United States



Madrid, Spain



Vence, France


Switzerland, France

Richard Griebe

La Jolla, United States


Portsmouth, United Kingdom


Sofia, Bulgaria



Marin county, United States


Legend, United States

Evan Lamos

Brussels, Belgium

Matching Fund

Sterling, United States





Lidzbark Warminski, Poland


Jersey City, United States

Grant Xavier Storer

Seattle, Wa, United States




World Wide, United States

Benjamin Charlton

Dubai, United Arab Emirates




Ask Alvins 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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  • DocHolliday    Jul 7, 2015

    I'm sorry to learn that your sale went so badly. Hope that you will be able to reach some arrangement with the owners of the hotel, despite their closing.

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  • Alvins Okumu    Jun 11, 2015

    Hi everyone. Zidisha has been so good to me. I did away with my layers and replaced them with broilers. Everything went wrong when l sold them and was paid using a postdated cheque which later bounced after waiting for 90 days. The hotel closed and my repayment was disrupted. I am currently trying to reorganise everything and hope to resume payments.

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  • AER    May 1, 2015

    Me again. Would you please update us?

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  • AER    Mar 17, 2015


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  • AER    Mar 6, 2015

    Again, please update us.

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  • AER    Feb 17, 2015

    Dear Alvins,

    could you please update us again as there are already 68$ outstanding again.

    Thank you very much.


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  • Alvins Okumu    Jan 27, 2015

    My income has temporarily decreased since l had to stop both the second hands clothes and painting business for a while till the demand begins to increase in the course of february. I am still learning the trade of incubation and so far l
    have kept the production low at 100 chicks a month till demand normalises.

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  • Alvins Okumu    Jan 13, 2015

    Hi AER. The incubation business has not picked up well due to strong competition from major players.getting fertilized eggs steadily has not been easy but l am learning the trade well. Our second hands clothes didnt do well in December as expected and l have to save most of the income to pay a lumpsome to cover the outstanding loan. I want to assure you snd the entire team that all will be well and all the loan will be repaid in time. I will pay the outstanding loan by end of january. By february, business will pick up and k will even increase the weekly amount.

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  • AER    Jan 11, 2015

    Dear Mr Alvins Okumu,

    I noticed that there were no repayments in December. How did your business go? Did the weather improve and were you able to increase your income further (from the egg incubation business as well as your other business)?
    When do you think will you be able to restart the payments? And do you think you will be able to repay the outstanding amount on time?
    I wish you good luck and good health.

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  • Alvins Okumu    Dec 9, 2014

    Pleased to inform my dear lenders that the eggs incubation business is picking up well and has increased my income by ksh 3000 monthly. I hope it will soon rise . I have used the money to fill the gap caused by low income caused by the heavy downpour of rain. My other businesses of painting and clothes has been affected. I hope the weather will soon normalise and all will be well. My neighbourhood is doing well and there is much development in infrustructure.

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  • Alvins Okumu    Dec 9, 2014

    My businesses are currently having low profits due to abrupt weather changes. Both the clothes and painting businesses have been affected by the heavy rains. My new investment of chicks production is just begining to pick up and l hope it will be profitable in the next few months.I hope to increase the instalments when things improve

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  • Emmanuel Larbi    Nov 9, 2014

    After my first loan been disbursed and second loan waiting to be disbursed, which is of course fully funded, this is what i receive from zidisha team.......
    i think zizdisha is trying to sack the faihful among us here and groom scams and fraudulent people here, i think is also attempt to sack Ghanaians here, as many loans project here, have been declined for no reason. I beg lenders to add their voice and come to my aid. Because i urgently need this loan for my project.

    Dear Emmanuel Larbi,

    We regret to inform you that your application was not among those accepted for Zidisha membership. Since we receive many more applications than we can fund, we are only able to admit a portion of those who apply.
    There is a small chance that if more funding becomes available we may invite you to reapply in the future, but since this is not guaranteed, we recommend that you seek funding from other sources.Thank you again for applying, and best of luck in your future endeavors.
    The Zidisha Team

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  • Alvins Okumu    Nov 6, 2014

    Just want to let my lenders know that I have built a better poultry house which I will soon post as soon as I succeed in uploading the pictures. I have used the additional income to put up a building which I intend to use as a cyber and information center. Our youths must learn to create jobs for themselves through internet freelancing etc

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  • Alvins Okumu    Nov 4, 2014

    Thank you my lenders for your kindness. You remain my valued partners in all my projects. God bless you.

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  • Alvins Okumu    Nov 4, 2014

    thank God I have finished repaying my 2nd loan. The poultry project is doing fine and my next project is incubating eggs to produce chicks for rearing and resale.

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  • JillV    Oct 17, 2014

    Congratulations Alvins on your success!

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  • Alvins Okumu    Oct 16, 2014

    I have used the loan to improve the poultry house. This has enabled me add more poultry meaning more eggs. My income has increased and l have managed to pay fees for the two students who l sponsor. I am considering buying an incubator for them to start a hatcery business since there is a high demand for chicks.

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  • Alvins Okumu    Sep 15, 2014

    Sorry my phone is not able to upload the pictures now. I will try getting another one soon.

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  • Alvins Okumu    Sep 10, 2014

    Hi jillv.The coop is doing well. I have managed to construct one that has four floors. The poultry have more space now. Let me try uploading the pictures. My phone has recently developed memory problems since l now use it for web based businesses(affiliate marketing & internet marketing).

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  • JillV    Aug 29, 2014

    Hello! How is the chicken coop going? Please send a picture when you can.

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