Mobile phone payment service center

Ruth Musela

Nairobi,dagoretti Corner, Kenya

100% repaid



Ruth Musela

Member since

May 2014

On-time repayments

300 installments  •  89%

About Me

My name is Mrs. Ruth Victorine Musela I am married to Mr. Yose Musela and we are blessed with one son, we reside on Riara Road in Riara Meadows 15 minutes walk from Nakumatt Junction. I am a retired secretary after being a secretary for the last 20 years. I decided to open a Secretarial Bureau where I offer secretarial services having vast experience in this field.

I thank God because I have managed to run it for the last 6 years but I would like to improve and boost it to become a bigger business.

My Business

About my business I started it as a typing and photocopy shop. Apart from photocopying I introduced snacks and drinks to keep my clients going as a do the photocopying and typing for them. My photocopier machine is an old version and I would like to get one that photocopy and scan at the same time. I also would love to increase my stock in the shop since it is in a prime area and it gets busy and I get that sometime I do not have enough stock. I would love to grow my business into a big business which can sustain me and my family. I have introduced M-pesa business through your kind assistance and it is doing very well only I need to have more float at any given time.

I have started a Self organization group of about 30 business minded people, we have meetings every Fridays with the aim of helping each other financially and with good ideas. I also have an orphan that I am educating through the finances I make from my business that's thanks to you people who have been of great assistance to me.

By God's grace I have started a prayer group which we meet and share the word of God and read the bible together and very soon we are starting prayer lesson where we impart other ladies on how to go before the Lord on your own I thank God for that.

With the help of God I know I can make it because there are opportunity.

Loan Proposal

I would to request a loan of USD.930 to boost my M-pesa business. You funded me with the loan to extend my business and I began an M-pesa business the way it works you need to have enough float that is enough cash in hand and on the phone set because people come to withdraw so you give them liquid cash whereas some come to deposit which means you deposit money on their accounts on phone so at any given time you should have enough money to transact both at any given time. For this reason I should always be able to have enough money on phone and in cash for my clientele and this business is very efficient to us in our country instead of carrying hard cash you carry it on your handset, which serves everyone other than the plastic money which some people cannot afford I would like to let you know that I have an orphan I am paying his secondary school fee which I have to do additional business to expand the business to be able to make more to fund the school fees. Thanking you for your kind consideration.

Ruth Musela






Loan Info

Project Type

Classic Loan

Disbursed amount


Date disbursed

Jun 13, 2018

Repayment status

On Time

Projected term

15 months

Cost to entrepreneur

Service fee: $40.26

Credit risk payment: $161.06



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