Baby care and kinder garden

Carolyne

Mombasa, Kenya

19% repaid

Entrepreneur

Name

Carolyne

Member since

August 2013

On-time repayments

173 installments  •  15%

About Me

Location.
I reside from Kenya, Mombasa, kusauni division, kisimani- frère town, kadiria area.
House no 212 managed by ingonyi Enterprise housing agent. The closest land mark is kadiria mosques.
Description.
Introduction.
I learned of Zidisha from my husband who enlighten me on how it operates and a got interested. I also made a follow up by reading the information on there website.
I was born and raised up in mombasa. My parents all work in Mombasa. I am lady, married and blessed with one son. Professionally I am a trained laboratory medical technician and an Early Childhood Development teacher, a graduate from Modern Montessori College.
Educational background.
I attended Kdadija primary school from one to class four, then transferred and joined shikoti boarding primary school. I did my Kenya certificate of primary Education and qualified to join a secondary school. I joined Shikoti secondary school and sat for my Kenya certificate of Secondary education. One year later, I enrolled at Mombasa Polytechnic Technical college and trained as a laboratory technician. I work as a lab technologist for three year. I developed passion for children that when I when back to college and enrolled at Modern Montessori College and took Early Childhood Development to train as teacher . I qualified after taking Kenya Diploma in Early childhood education.
Occupation.
Currently I am employed as a teacher at Coast star Academy school. I handle children of ages a between two years and ten years of age. I have gained good experience and exposure. My net salary is seven thousand Kenya shilling. With an average expense of five thousand shilling on food and clothing and general maintenance.
Objective.
Get self reliable and start up my own Kinder garden school and implement the skills I have to get self employed and self sufficient. I have started accumulating the necessary materials required for training. With Zidisha I desire to grow with you progressively until I achieve my objective.
Purpose for the loan.
By training materials for baby class and seats that shall be used un the class. After I have cleared repaying this first loan on time the second loan I launch the school and start operating small from there.
I intent to pay the loan early enough so that early next year I should get the next funding to enable me start the envisaged academy.

My Business

Currently I am employed as a teacher at Coast star Academy school. I handle children of ages a between two years and ten years of age. I have gained good experience and exposure. My net salary is seven thousand Kenya shilling. With an average expense of five thousand shilling on food and clothing and general maintenance.
Get self reliable and start up my own Kinder garden school and implement the skills I have to get self employed and self sufficient. I have started accumulating the necessary materials required for training. With Zidisha I desire to grow with you progressively until I achieve my objective.

Purpose for the loan.
Buy training materials for baby class and seats that shall be used in the class. After I have cleared repaying this first loan on time the second loan I launch the school and start operating small from there.
I intent to pay the loan early enough so that early next year I should get the next funding to enable me start the envisaged academy.

Purpose for the second loan.
Use the funds to open up a small baby care and kinder garden school. This funds will be used also to buy more learning materials in advance to January intake.
It will also help me cater for playing toys to make the learning environment more enjoyable. Parents are confident with me and God will i shall repay my second loan on time. Thanks in advance for your kind consideration and assistance. Be blessed

Loan Proposal

I all salute zidisha funders. This loan i shall add on my stock the baby care training materials, Playing toys, facilitate to paint the class. The remaining amount invest in reading materials that can attract young kid. From my first loan i have managed to assemble a few basic items. This loan shall be used to fill the gap were there is a missing items. I shall enroll the baby starting this month a heads of beginning classes in January 2015.
To the lenders stay assured that i shall repay this loan within the specified period of time. This shall inspire my clients as out baby carer services expand and confidence build then we shall have a fully fledged Kinder Garden school. This loan shall be of great importance towards preparations of all basics necessities to run a baby care and baby class/center.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$98.00

Date disbursed

Dec 3, 2014

Repayment status

Late

Projected term

37 months

Other loans

Lenders

M

MichelleAnthony

Belchertown, United States

Dave Bogard

New York, United States

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  • Carolyne    Jan 12, 2016

    i have been having health problem and i am on medication. This has been the main reason why i have not been on time with my repayment schedule. Once i improve health-wise i shall review my repayment to keep on schedule.

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  • Carolyne    Nov 6, 2015

    I have been unwell for quit some time and i have spent a lot on my medication. Once i regain my health back well then i will top up the mount i repay my loan with.

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  • Carolyne    Sep 29, 2015

    I have been un well, and medication has coasted me alot. God will i shall be making double payments going forward since i am now getting well.

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  • Carolyne    Jul 20, 2015

    to all my lenders. My mother has been in hospital and catering for her medical bill has been a problem. I have been unable to to meet my obligation of repaying my outstanding loan on time. This week she has passed on. I shall take some time to settle down then upgrade my repayment amount. Thanks in advance.
    Carolyne.

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  • Carolyne    Mar 25, 2015

    Hallow to you all. I have not been prompt on my payments for the loan due to a number of reasons. I have been undergoing some medication that has affected my main source of income for the past few months. God willing as the new month begins, i shall be recovering and resume repayment of my loan.
    be blessed

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  • Carolyne    Feb 25, 2015

    halo zidisha lenders.
    i have been un well for quite some time. This has ready affected my repayment on time for my loan. The first week of March i shall be making some payment to cover for the late repayment. Have a nice working day.

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  • Carolyne    Dec 2, 2014

    To all Zidisha funder's, i salute all and give my sincere thanks for the first loan that you granted me. It has enabled me to purchase the basics items for running g baby class , care and learning materials.
    i look forward to applying for the second loan to increase the chairs, playing material. God bless you for helping me start.

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  • Carolyne    Nov 27, 2014

    To Zidisha funders. I take the opportunity to thank you again for the patient that you have hard with me during the payment of this first loan. I look forward to clearing the balance and apply for the second loan. I hope you will continue standing with me. Have a nice working day.

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  • Carolyne    Oct 31, 2014

    My dear friends. i thank God for your constant support regardless of the hard financial time. I am putting my best foot forward to maintain good credit rating and payment on time. The month of November i shall delay my repayment by a few days due to small the illness of my mother.

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  • Carolyne    Jul 30, 2014

    Hallow zidisha lenders. This month of August i have been an-well and i have used the cash i hard at hand to pay my loan for the month of august on treatment. I kindly request to reschedule my payment. I will raise 400/= by 15th then the balance i will combine with September payment. I you will get my request in time.
    Thanks so much for your support

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  • Carolyne    Jul 30, 2014

    Halow zidisha lenders This month of August i have been an-well and i have used the cash i hard at hand to pay my loan for the month of august on treatment. I kindly request to reschedule my payment. I will raise 400/= by 15th then the balance i will combine with September payment. I you will get my request in time.
    Thanks so much for your support

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  • Carolyne    Apr 7, 2014

    Hallow to you all. I am prepared to take an ECDE KNEC Examination that will be held in December 2014. The deadline for examination registration in April 3rd which almost considers with the Zidisha loan repayment time. The next repayment in can raise one and a half then balance the rest with the subsequent month to recover my original schedule. Hope you will accord me the assistance. Good luck Carolyne Adisa

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  • Carolyne    Apr 7, 2014

    hallow to you Zidisha family. I kindly request to reschedule my payment for April till next month. I have to register to KNEC Examination that has to be done by April 3rd. I have been inconvenienced to pay the two at ago. Hope this will get to you on time.
    i am having a problem to access the reschedule loan option o the web site.
    Carolyne

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  • Carolyne    Nov 4, 2013

    To all zidisha Financiers: i have had an emergency that has destabilized my repayment plan for the month on November. My son has is undergoing medication that i have to attend to his treatment instantly. I request to grace period on two month. In the mean time i shall ensure i make my first payment before 6th December to catch up with the earlier schedule.I hope my request shall be granted. Thanking you in advance. Your faithful Carolyne Adisa

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