20 installments • 60%
my name is Stanley kipkoech bett am married with two children born and raised in Bomet county and lives in longisa adjacent to Bomet na narok highway near longisa hospital.., my education level is high school coz I was unable to further my studies due to financial constraints and started doing casual labour till I got some little money which help me to start growing tomatoes and cabbages (agribusiness )and later I venturred into money transfer business as my side hustle because in agribusiness you get too much time to relax as then I thought mpesa could help me utilize this time while am waiting for either tomatoes, cabbages to mature and and ready for market of which I've seen great improvement in profit since I started it because I've hired one person to assist me when am committed elsewhere for I'm earning 300dollars or more in a month apart from agribusiness and am seeing zidisha as a beneficiary in terms of emergencies and looking forward to be part of in my daily work coz their in my work so if zidisha fund my businesses when I'm in need difinitely in the next two years I'll be far because their loan are flexible in terms of repayment.
I do farming (agribusiness) mainly growing potatoes, tomatoes and vegetables I thought of this idea when I saw huge demand for fresh vegetables in the nearest town because of more hotels and restaurants mushrooming same applies to schools in the neighborhood so my market for my products is town and school which has promoted my financial upto this where my two children can go to school without fees arrears and feed well ... finally I do mobile money transfer (mpesa) and banking agent services in bomet town with the surplus from farm products and profit ...the main reason why I risked to take both agribusiness and mobile money transfer was to ensure I remain vibrant in this field of business which is more competitive and requires more resilience which I've seen great improvement in financial growth so with zidisha flexible loans repayment I will manage to work even more harder.
I'm this loan for emergency purpose considering that tomatoes right now is in delicate condition if it's not keenly watched on intensive weeds and pest control definitely the outcome might be low and I don't want to incur such losses ....so I want to stock pesticides for emergency control and to add to working working in money transfer business (mpesa) which currently good thriving.
I'm requesting this loan to top working capital in money transfer business (mpesa) and banking agent services because the demands is so high ..for now tomatoes is in stable good condition so by adding working capital in mpesa definitely return will be viable to accommodate both loan payment and sustain my business.
Oct 31, 2020
Cost to entrepreneur
Service fee: $4.08
Credit risk payment: $3.26