Application for loan for shoes and clothes
Justina
Thika, Kenya
100% repaid
Entrepreneur
Name
Justina
Member since
December 2013
On-time repayments
123 installments • 57%
About Me
I am Justina Nguhi Kibe, a female of Kenyan Nationality. I am the third born in a family of five. Two sisters and three brothers I live in Thika, Majengo Estate opposite Thika Muslim Primary School House Number 2b in a big building called Alpha house, Plot Number22 I deal with ladies shoes and clothes but mostly my stock is contained mostly with shoes as they are fast moving compared to clothes. I normally sell everyday from 8 am to 5 pm apart from Sundays and holidays, I sell them at Thika main stage, a stage that is the central business district in Thika. I started this business in 2007. After being employed for the past few years and I noticed I was not progressing in being employed, through my little savings I was in a position to rent a stall and purchase ladies shoes. The business has enabled me pay my child school fees as he is pursuing Certified public accounts course and also assist my parents in rural area. I purchase shoes from Eastleigh in Nairobi and for the clothes I buy
My Business
I sell ladies shoes and clothes. I normally get them from Kamukunji and Eastleigh in Nairobi. My shop at Thika main stage is at a good view and located at an upward area such that most people get to see my products, being in this business I have always been in a position to always move with fashion, and therefore anything that is in fashion it never misses in my stock. About the old stock I normally sell them at cost and thus escaping incurring losses. I always give a good bargain to my customers such that this customer will always stick to my shop whenever she/he needs shoes or clothes. The business is indeed profitable as just a pair of shoe can fetch me a minimum of 350 in profit on the lower side. When it comes to clothes they give me a better profit than a pair of shoe as I always gather a profit of at least 500Ksh in very cloth that I sell. The challenge of clothes is that they are not fast moving as compared to shoes. The risk involved in my business is that at times I would be flocked b
Loan Proposal
its with great honour that i place my application for my 6th loan since i joined zidisha. i understand that its been a quite long before i had applied, i was actually budgetting on what i will do with this loan. my budget is as follows
1. i will use 35% of the loan to purchase new shoes for ladies and men, this time round i want to be unique in the market as i will purchase locally made shoes from maasai traditions thus i will be promoting young entreprenuers in kenya from slums.
2. 50% of the loan i will buy clothes from the capital city especially dresses and tops. i will invest more on clothes than shoes as clothes are always on high demand than shoes and they fetch good amount of profit than shoes.
3. 15% i will use it for other small expenses and i always count as my obligation to help the needy in our community, thus i will buy a box of slippers at a wholesale price and take it to hope community children centre in thika and donate it to 40 young children who are orphan and needy.
please do accept my loan proposal . i do look upon your help. thanks in advance
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Loan Info
Project Type
Classic Loan
Disbursed amount
$262.00
Date disbursed
Aug 28, 2015
Repayment status
On Time
Projected term
16 months
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Summary
Amount repaid
$273.78
Amount remaining
$0.00
Date repaid
Jan 8, 2017
Status
Fully repaid
Repayment History
| Expected Payments | Actual Payments | ||
|---|---|---|---|
| Sep 6, 2015 | $15.00 | Sep 6, 2015 | $15.00 |
| Sep 13, 2015 | $15.00 | Sep 6, 2015 | $0.50 |
| Sep 15, 2015 | $14.50 | ||
| Sep 20, 2015 | $1.00 | Sep 15, 2015 | $1.00 |
| Sep 27, 2015 | $5.00 | Sep 26, 2015 | $5.00 |
| Oct 4, 2015 | $5.00 | Sep 26, 2015 | $0.30 |
| Oct 6, 2015 | $4.70 | ||
| Oct 11, 2015 | $5.00 | Oct 6, 2015 | $0.80 |
| Oct 12, 2015 | $4.20 | ||
| Oct 18, 2015 | $5.00 | Oct 12, 2015 | $1.30 |
| Oct 22, 2015 | $3.70 | ||
| Oct 25, 2015 | $5.00 | Oct 22, 2015 | $1.80 |
| Nov 16, 2015 | $3.20 | ||
| Nov 1, 2015 | $5.00 | Nov 16, 2015 | $5.00 |
| Nov 8, 2015 | $5.00 | Nov 16, 2015 | $2.80 |
| Nov 26, 2015 | $2.20 | ||
| Nov 15, 2015 | $5.00 | Nov 26, 2015 | $5.00 |
| Nov 22, 2015 | $5.00 | Nov 26, 2015 | $3.80 |
| Dec 14, 2015 | $1.20 | ||
| Nov 29, 2015 | $5.00 | Dec 14, 2015 | $5.00 |
| Dec 6, 2015 | $5.00 | Dec 14, 2015 | $4.80 |
| Dec 29, 2015 | $0.20 | ||
| Dec 13, 2015 | $5.00 | Dec 29, 2015 | $5.00 |
| Dec 20, 2015 | $5.00 | Dec 29, 2015 | $5.00 |
| Dec 27, 2015 | $5.00 | Dec 29, 2015 | $0.80 |
| Jan 12, 2016 | $4.20 | ||
| Jan 3, 2016 | $5.00 | Jan 12, 2016 | $5.00 |
| Jan 10, 2016 | $5.00 | Jan 12, 2016 | $1.80 |
| Feb 10, 2016 | $3.20 | ||
| Jan 17, 2016 | $5.00 | Feb 10, 2016 | $2.30 |
| Feb 24, 2016 | $2.70 | ||
| Jan 24, 2016 | $5.00 | Feb 24, 2016 | $5.00 |
| Jan 31, 2016 | $5.00 | Feb 24, 2016 | $3.30 |
| Mar 9, 2016 | $1.70 | ||
| Feb 7, 2016 | $5.00 | Mar 9, 2016 | $3.80 |
| Mar 16, 2016 | $1.20 | ||
| Feb 14, 2016 | $5.00 | Mar 16, 2016 | $4.30 |
| Mar 24, 2016 | $0.70 | ||
| Feb 21, 2016 | $5.00 | Mar 24, 2016 | $5.00 |
| Feb 28, 2016 | $5.00 | Mar 24, 2016 | $5.00 |
| Mar 6, 2016 | $5.00 | Mar 24, 2016 | $0.30 |
| Apr 14, 2016 | $4.70 | ||
| Mar 13, 2016 | $5.00 | Apr 14, 2016 | $0.80 |
| Apr 23, 2016 | $4.20 | ||
| Mar 20, 2016 | $5.00 | Apr 23, 2016 | $5.00 |
| Mar 27, 2016 | $1.80 | Apr 23, 2016 | $1.80 |
| Apr 3, 2016 | $0.00 | ||
| Apr 10, 2016 | $0.00 | ||
| Apr 17, 2016 | $0.00 | ||
| Apr 24, 2016 | $0.00 | ||
| May 1, 2016 | $0.00 | ||
| May 8, 2016 | $3.00 | May 19, 2016 | $3.00 |
| May 15, 2016 | $3.00 | May 19, 2016 | $3.00 |
| May 22, 2016 | $3.00 | May 19, 2016 | $3.00 |
| May 29, 2016 | $3.00 | May 19, 2016 | $1.50 |
| Jun 28, 2016 | $1.50 | ||
| Jun 5, 2016 | $3.00 | Jun 28, 2016 | $3.00 |
| Jun 12, 2016 | $3.00 | Jun 28, 2016 | $3.00 |
| Jun 19, 2016 | $3.00 | Jun 28, 2016 | $3.00 |
| Jun 26, 2016 | $3.00 | Jul 31, 2016 | $3.00 |
| Jul 3, 2016 | $3.00 | Jul 31, 2016 | $3.00 |
| Jul 10, 2016 | $3.00 | Jul 31, 2016 | $3.00 |
| Jul 17, 2016 | $3.00 | Jul 31, 2016 | $1.50 |
| Aug 22, 2016 | $1.50 | ||
| Jul 24, 2016 | $3.00 | Aug 22, 2016 | $1.80 |
| Sep 5, 2016 | $1.20 | ||
| Jul 31, 2016 | $3.00 | Sep 5, 2016 | $2.30 |
| Sep 13, 2016 | $0.70 | ||
| Aug 7, 2016 | $3.00 | Sep 13, 2016 | $3.00 |
| Aug 14, 2016 | $3.00 | Sep 13, 2016 | $1.80 |
| Oct 4, 2016 | $1.20 | ||
| Aug 21, 2016 | $3.00 | Oct 4, 2016 | $2.10 |
| Oct 16, 2016 | $0.90 | ||
| Aug 28, 2016 | $3.00 | Oct 16, 2016 | $3.00 |
| Sep 4, 2016 | $3.00 | Oct 16, 2016 | $3.00 |
| Sep 11, 2016 | $3.00 | Oct 16, 2016 | $3.00 |
| Sep 18, 2016 | $3.00 | Oct 16, 2016 | $3.00 |
| Sep 25, 2016 | $3.00 | Oct 16, 2016 | $3.00 |
| Oct 2, 2016 | $3.00 | Oct 16, 2016 | $3.00 |
| Oct 9, 2016 | $3.00 | Oct 16, 2016 | $3.00 |
| Oct 16, 2016 | $3.00 | Oct 16, 2016 | $0.60 |
| Oct 27, 2016 | $2.40 | ||
| Oct 23, 2016 | $3.00 | Oct 27, 2016 | $1.10 |
| Nov 14, 2016 | $1.90 | ||
| Oct 30, 2016 | $3.00 | Nov 14, 2016 | $1.60 |
| Nov 23, 2016 | $1.40 | ||
| Nov 6, 2016 | $3.00 | Nov 23, 2016 | $1.60 |
| Dec 3, 2016 | $1.40 | ||
| Nov 13, 2016 | $3.00 | Dec 3, 2016 | $2.10 |
| Jan 8, 2017 | $0.90 | ||
| Nov 20, 2016 | $3.00 | Jan 8, 2017 | $3.00 |
| Nov 27, 2016 | $3.00 | Jan 8, 2017 | $3.00 |
| Dec 4, 2016 | $3.00 | Jan 8, 2017 | $3.00 |
| Dec 11, 2016 | $3.00 | Jan 8, 2017 | $3.00 |
| Dec 18, 2016 | $3.00 | Jan 8, 2017 | $3.00 |
| Dec 25, 2016 | $3.00 | Jan 8, 2017 | $3.00 |
| Jan 1, 2017 | $3.00 | Jan 8, 2017 | $3.00 |
| Jan 8, 2017 | $3.00 | Jan 8, 2017 | $3.00 |
| Jan 15, 2017 | $2.98 | Jan 8, 2017 | $2.98 |
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