Boost my business

Lucy

Maweni, Kenya

100% repaid

Entrepreneur

Name

Lucy

Member since

November 2012

On-time repayments

315 installments  •  45%

About Me

I Lucy chivatsi mbaru, am married and have five children.The names of my children are as follows Harrison mbaru, Kenneth mbaru, kelvin mbaru,celian mbaru,zawadi mbaru and Tom mbaru.Harrison completed his form four course and now he is working as a mechanics,Kenneth will be in form four next term that is next year ,celian got married when she was in class seven and zawadi will be in class eight next year and tom will be in class six next year. iam a teacher and i still have two in college 1st year . i reside at tezo Maweni Magorani the first loan i borrowed i used it to bought one dairy cow to to at least provide my family with milk. the latest loan assisted in paying college fees and home improvement.am a dairy farmer practicing here in kilifi rural.i produce milk about fifty lit res in a day.The main reason of joining to business is to earn for a living and the same time getting my dairy bread.From the earnings i get i use them also for the payment of school fees and for the family improvement.

My Business

From the cows i sell milk to my neighbors and the community.because of the locality we are in there is big demand of milk in the machine cut quarries for the workers.During dry season milk production reduces and therefore i have to struggle to look for hey . i get a hard time because there is no transport to collect hey from far where its available. otherwise it is profitable when well maintained.A lit re goes for Kenya shillings thirty,so i make Kenya shillings one thousands five hundred in a day and in a month i do make a cool Kenya shillings fort five thousands .expenses is about Kenya shillings twenty one thousands The balance of Kenya shillings can be used to pay back my lenders.Also my customers or many people prefer or come for my business or milk because i do talk to them politely hence we become friends and therefore they do not let me down .The cows i keep are Frisian and i built a structure for them that is i practice zero grazing .I also built a milking pa lour where i take the cow there when the time of milking has reached .

Loan Proposal

Hello my dear lenders and all zidisha staff, am so thankful for this opportunity. First thank you for your help in assisting my business financially. Am really happy that my deliveries are made in good time from the bicyle i bought from my previous loan. With this loan i would like to add more value to my business by introducing vegetable farming. As i have enough faterlizer i will use the money to buy water pipes because we have a good suply of water nearby. And yhen buy seeds for the vegetables. This will add value as i have my neighbors as my customets. Thank you once again.

Feedback

8

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Loan Info

Project Type

Classic Loan

Disbursed amount

$148.00

Date disbursed

Jul 22, 2014

Repayment status

On Time

Projected term

3 months

Lenders

P

phangsang

Seattle, United States

ads68

Melbourne, Australia

fairspirit

Utrecht, Netherlands

C

CJAnderson

Sydney, Australia

H

howard

Vence, France

Levi

United States

Sarasota

Sarasota, Fl, United States

M

marymarrs

North Bend, United States

T

thebonseung

Republic of Korea

Mikers

Netherlands

J

jayne62

Australia

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  • Lucy    May 22, 2020

    Hello my dear lenders my situation has not yet improved so am sorry for any inconveniences caused due to my delay. Once things change to the better I will return to my initial repayment mode. Thank you and God bless you all.

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  • Lucy    Mar 31, 2020

    Hello my dear lenders am so sorry for any inconveniences caused for my late payments. I would like to extend my reduced paying amount till things get better. Once I recover I will get back to my initial payment amount. Thank you for your patience. God bless you all.

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  • Lucy    Feb 5, 2020

    Hello my dear lenders. Am more than sorry for late payments and also not been in touch in my progress on my business. Am actually in hard times in my business and would like more time to repay my loan. I will all my best to finish mynloan repayment. At the moment am able to send Kshs. 1200 but as soon as things move in my favor I will add the amount to my initial repayment amount. So sorry for any inconveniences caused. Thank you and may God bless you all

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  • Lucy    May 28, 2019

    Hello my dear lenders, am so sorry for this late responding and late payments. Am really in a very complicated state right now. My business is very low and at the same time this is the third month am unwell. I was admited for a month and am now recovering. I would like to pay as littles as i can i the meantime then come back later. Thank you so much for your patience and deeply apologize for any inconvenience caused. God bless you all.

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  • Kelvin    Mar 18, 2019

    I called Lucy Mbaru and she told me that she is going to clear the arrears

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  • Lucy    Jan 25, 2019

    Hello my dear lenders, Hope you are all in good health May our good God bless each and everyone of you as i wait for the disbursement of my loan. You really make my dreams come true with your whole heartily assistance to my business. Thank you once again.

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  • Lucy    Jan 23, 2019

    Hello my dear lenders, am so happy that my application has gone through within minutes! God bless you so much. With this loan i will boost my business so much as i will have added another inlet to my business. Thank you so much for your continued support.

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  • Lucy    Dec 3, 2018

    Hello my dear lenders am more than happy to be in this good and encouraging institution. Am happy that my goals and slowly fulfilling. With my last loan i was able to dig the well as i had mentioned. My well is now complete and i want to buy a water pump and pipes and then install the irrigation system in my vegetable farm. As for now i have water but i have to water my vegetables by hand which gives me a challenge. So far i thank God with your help i have started harvesting vegetables and i sell to my neighbors. Thank you so much for yous kind help. God bless you all

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  • Lucy    Sep 13, 2018

    Hello, am so sorry am behind schedule in my payments. This is because i have been experiencing low business and ive also been sick for almost 3 months. This affected my business so much, but as am now ok i will make sure i cope up with the balance as quick as possible. Thank you once again for your patience. God bless you all.

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  • Mary    Jun 19, 2018

    Please make a repayment on your loan Lucy. I cannot fund others loans if I am not paid back. Your commitment is not just to your lenders but also to everyone seeking loans in the Zidisha community. I cannot loan what I am not paid back.

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    • Lucy    Dec 4, 2018

      Hello mary am more than happy that i finished my loan and am now awaits to be granted another chance to get another loan to complete my projects. Thank you so much for your continued support, God bless you.

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  • Mary    May 15, 2018

    Are you ok Lucy? I am worried as I have not heard from you in quite a while.

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  • Mary    Feb 7, 2018

    Please reduce your payment if you need to to keep up with your loan. As a lender I now have 21 loans where the borrowers have not made payments, some for months. This affects everyone. I cannot lend what I am not paid back. Making regular payments even small ones helps everyone have access to the funds they need to grow their businesses.

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  • Mary    Dec 13, 2017

    I hope you and your family have a wonderful festive season Lucy!

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  • Mary    Nov 8, 2017

    Hi Lucy, Please contact [email protected] to reduce your loan payments. Lenders would rather see very small payments rather than missed payments. Making any payment at all will keep your loan repayment rate in good standing for future loans. I know the economy slowed down in Kenya due to the elections. Hopefully business will pick up again fr you quickly now that they seem settled. I hope you and your family are well, Mary

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    • Lucy    Dec 4, 2018

      Thank you Mary for encouraging me. God bless you

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  • Lucy    Aug 21, 2017

    Hello my lenders, am so thankful for the far you have taken me since I came to know you. Actually my life has changed so much since you started giving me your support. God bless you all.

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  • Lucy    Mar 25, 2017

    Hello my dear lenders, am so happy that my loan is now fully funded. Thank you so much for your kind hearted funding. May God bless you all.

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  • Lucy    Mar 22, 2017

    Thank you for your support.

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  • Lucy    Mar 22, 2017

    I also have a goat for milk. Goat milk is good and strong than cow milk . I now have one goat.

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  • Lucy    Mar 22, 2017

    See what I have here

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  • Lucy    Mar 22, 2017

    Hello my dear lenders, am so happy to see my loan funding progressing. Thank you so much for your support.

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