181 installments • 78%
I am a lady age 34. i am a graduate from Baraton university where i did BBA i also did human resource management in KIM to diploma level, i come from a family of five, my parents are business people one of my sisters works in Dubai as a secretary in a firm while my other sister lives and works in Nakuru with an insurance company called CIC insurance company. I live in Nakuru teachers near a school called st. Fransis of Assissi academy. st. francis of assissi is a private school that is well known around for its good performance in Kenya national examination its located 2km from the Nakuru- Nairobi high way. I have two kids age 9 n 7yrs old, they are all schooling.
i am a business lady that is specialized on stationary, i buy and sell stationary to different schools and institutions, i have an office that is in a very strategic place in town. I also do typesetting, photocopying, take people passport photos, and other internet services required.
I was once employed but when i was introduced to by my friend on this business i have never regretted, i make enough money that has enable me to develop in life, i have been able to buy assets like land which i also buy them and sell it when it has appreciated, hence i make more money. this job has really opened my eyes to see the great potential in business area, despite the challenges one gets when doing business i can say i have tried to overcome them and excelled, i pay my bills well with no struggle by the money i make here, i have fashioned my life style and my house i live comfortable doing this business.
My aim at this moment is to expand my business by getting tenders from the government to supply stationary, this will require large sum of money, i am also looking forward to buying a car which will serve the convenience of the supply in terms of the load and time.
I am looking forward to borrow from Zidisha money that will help me meet my target in life.i will appreciate your quick response.
I am a business lady dealing with stationery, I have a shop in Nakuru town which is the base of my business, do typing services and photocopy services and take passport photos too. I sell books and Biro envelopes and pencils, I also visit schools and supply them with some of my stationery, and test papers. My business is situated In a very strategic place here in Nakuru town its near schools, there are four schools near my place. Therefore students pass there frequently and they too buy these stationery. Being in town its convenient for teachers and parents that have come to do other things in town they pass by and buy test papers for the students. I have been doing these business for three years now. I have learn t better ways of doing these work with time. I have known different places to get my product at an affordable price. I have gained customers who are schools that I supply them time and again.
In every business there are challenges the work of dealing with stationery is not an exemption I have faced challenges too. I have had both loses and gain, with stationery one has to be current to buy the relevant stock. Competition is also a challenge that one faces when dealing with stationery there are a number of people doing the same kind of business so with my experience I have been able to stand and get more customers which keep increasing day by day. Pricing of the product is also a challenge, one has to be careful on the way you price your product to able to attract more customers. Therefore I have Identified places that I get my goods cheaply and affordable one that can give me a good profit margin.
I have achieved a lot with this business I have managed to buy a piece of land just by selling these stationery this has given me an a side business of buying and selling land which i do part time. I have done good orders that have promoted my business. In a month I make profit of fifty to sixty thousand shillings. I have made friends with my clients, I have been enlightened in many ways in life trough this business. Children are born year in year out, education is a the key to there success hence this business has a continuity since there will never be a time when stationery are not needed, there is a lot of demand for them when one has enough capital one can do a lot with this kind of business.
My vision for my business is looking forward to getting tenders from the government schools to supply stationery hence I need more to be able to stand there demand as capital to supply more , and with that I am sure to make a lot of profit that will enable me to progress in life. I also want to buy a car that will enable me to be supplying these stationery to there destination which will serve my convenience and since using public means limits me a lot.
I am looking forward for Zidisha to be part of my success by lending me some money to ensure that these business is growing in a big way.
Irene Njambi Gathuthi
Hi lenders, am here again to as you for a loan. I have seen improvement in my business this year, and through your help this success I have achieved, I was able to deliver the books I sell to my clients on time since I had enough funds to do so. I am currently asking for some more cash to buy more books, this funds will help me achieve my highest dream goal to meet the demand of my clients enormous demands for books, thats one challenge I have the demand is so high and its greatly increasing. I have been able to buy a piece of land paid my kids fees and my family are always happy when I perform well in my business. Thanx to Zidisha, am looking forward to get this loan soon so that I can buy more books.
Nov 17, 2014
Cost to entrepreneur
Lender interest: $428.30 at 6.36% annual rate over 10 months = $24.02
Service fee: $14.51