Entrepreneur
Name
Joseph
Member since
August 2015
On-time repayments
123 installments • 5%
About Me
My name is Joseph Kirui aged 48 and a resident of Kipchebor location Ochi village in Kericho County. I am married and blessed with two children namely Brian and Faith. I am among those lucky few who managed to attend school in the 70s and 80s, I completed high school in a day school close to the town ( Kericho Day Secondary) My dad was killed in 1972 after a fight with my uncle. I was left with only my mum to care for us. She struggled so much to a point of selling the parcel of land left behind for her so that we get an education. After high school I managed to join one of the family member and they enrolled me to become there cowboy. That was when I saved and join college. I work mainly on a quarterly contract basis with one of the NGOs who pay fewer amounts to gather for my family needs. The land which is now remaining with us is so small and that prompted me to start a zero grazing unit of three cows. I started the project from the savings, and the money which I got from the contract. My first born son Brian is so determined to be an engineer in life while the second born wants to be a doctor. I normally pass my time being with my family and encouraging my children to study. I also balance it with my dairy farming project. And most of all Reading the Bible since if it was not of God’s will then my life would have been different.
My Business
I own and ran a zero grazing dairy unit in my Village Ochi. I provide milk and milk products i.e. mursik to the residents of my village and the surplus to the town. My wife is the one responsible for preparation of mursik. I started this business because of limited space to grace the cows in the fields. My small parcel of land which is almost ¾ acre accommodates both the dairy units and a small poultry unit. I started about 7 years ago and have been doing well. I make a net profit between 10- 20% on most items and my customers are mainly the urban dwellers. Most of the revenue from the business goes to the school fees for my two children. And rarely do I get a surplus to improve on the business. I do most of the things to myself since the business cannot sustain to employ a cowboy. The challenge which has greatly affected my business is space to plant more feeds since the income generated goes mainly to fees and the feeds.
Loan Proposal
Thank you lenders for this opportunity to interact with you through such a platform, I am requesting you to fund the project which is the food basket for my family. From the funds which I have hopes that you will grant me the trust I will manage to complete the following, Build a small house for the calves since they have been staying out in the cold and you all know the consequences of cold to calves. The total amount to build it is 110 USD which will enable me to do the following; buy nails, iron sheets, poles and timber, this will cost 3.5 USD per iron sheet and it need 10 nails 3kgs and it will cost 1.8 USD per Kg and 10 poles each 4USD the balance will pay for the Fundi (person to build). If you help me to this then my calves will not sleep in the cold again thanks and God bless.
Feedback
Positive
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Neutral
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Negative
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Loan Info
Project Type
Classic Loan
Disbursed amount
$125.00
Date disbursed
Aug 24, 2015
Repayment status
Late
Projected term
29 months
Lenders
Washington, DC, United States
Taiwan
Latvia
Germany
United States
Jake Gibson and Beverly Picardo
San Francisco, United States
Summary
Amount repaid
$15.00
Amount remaining
$115.62
Expected completion
Jan 21, 2018
Status
Repaying late
Installment amount
$1.00
Repayment History
| Expected Payments | Actual Payments | ||
|---|---|---|---|
| Sep 6, 2015 | $9.00 | Sep 6, 2015 | $9.00 |
| Sep 13, 2015 | $2.00 | Sep 13, 2015 | $2.00 |
| Sep 20, 2015 | $0.00 | ||
| Sep 27, 2015 | $0.00 | ||
| Oct 4, 2015 | $0.00 | ||
| Oct 11, 2015 | $1.00 | Oct 4, 2015 | $1.00 |
| Oct 18, 2015 | $1.00 | Oct 4, 2015 | $1.00 |
| Oct 25, 2015 | $1.00 | Nov 2, 2015 | $1.00 |
| Nov 1, 2015 | $1.00 | Nov 8, 2015 | $1.00 |
| Nov 8, 2015 | $1.00 | ||
| Nov 15, 2015 | $1.00 | ||
| Nov 22, 2015 | $1.00 | ||
| Nov 29, 2015 | $1.00 | ||
| Dec 6, 2015 | $1.00 | ||
| Dec 13, 2015 | $1.00 | ||
| Dec 20, 2015 | $1.00 | ||
| Dec 27, 2015 | $1.00 | ||
| Jan 3, 2016 | $1.00 | ||
| Jan 10, 2016 | $1.00 | ||
| Jan 17, 2016 | $1.00 | ||
| Jan 24, 2016 | $1.00 | ||
| Jan 31, 2016 | $1.00 | ||
| Feb 7, 2016 | $1.00 | ||
| Feb 14, 2016 | $1.00 | ||
| Feb 21, 2016 | $1.00 | ||
| Feb 28, 2016 | $1.00 | ||
| Mar 6, 2016 | $1.00 | ||
| Mar 13, 2016 | $1.00 | ||
| Mar 20, 2016 | $1.00 | ||
| Mar 27, 2016 | $1.00 | ||
| Apr 3, 2016 | $1.00 | ||
| Apr 10, 2016 | $1.00 | ||
| Apr 17, 2016 | $1.00 | ||
| Apr 24, 2016 | $1.00 | ||
| May 1, 2016 | $1.00 | ||
| May 8, 2016 | $1.00 | ||
| May 15, 2016 | $1.00 | ||
| May 22, 2016 | $1.00 | ||
| May 29, 2016 | $1.00 | ||
| Jun 5, 2016 | $1.00 | ||
| Jun 12, 2016 | $1.00 | ||
| Jun 19, 2016 | $1.00 | ||
| Jun 26, 2016 | $1.00 | ||
| Jul 3, 2016 | $1.00 | ||
| Jul 10, 2016 | $1.00 | ||
| Jul 17, 2016 | $1.00 | ||
| Jul 24, 2016 | $1.00 | ||
| Jul 31, 2016 | $1.00 | ||
| Aug 7, 2016 | $1.00 | ||
| Aug 14, 2016 | $1.00 | ||
| Aug 21, 2016 | $1.00 | ||
| Aug 28, 2016 | $1.00 | ||
| Sep 4, 2016 | $1.00 | ||
| Sep 11, 2016 | $1.00 | ||
| Sep 18, 2016 | $1.00 | ||
| Sep 25, 2016 | $1.00 | ||
| Oct 2, 2016 | $1.00 | ||
| Oct 9, 2016 | $1.00 | ||
| Oct 16, 2016 | $1.00 | ||
| Oct 23, 2016 | $1.00 | ||
| Oct 30, 2016 | $1.00 | ||
| Nov 6, 2016 | $1.00 | ||
| Nov 13, 2016 | $1.00 | ||
| Nov 20, 2016 | $1.00 | ||
| Nov 27, 2016 | $1.00 | ||
| Dec 4, 2016 | $1.00 | ||
| Dec 11, 2016 | $1.00 | ||
| Dec 18, 2016 | $1.00 | ||
| Dec 25, 2016 | $1.00 | ||
| Jan 1, 2017 | $1.00 | ||
| Jan 8, 2017 | $1.00 | ||
| Jan 15, 2017 | $1.00 | ||
| Jan 22, 2017 | $1.00 | ||
| Jan 29, 2017 | $1.00 | ||
| Feb 5, 2017 | $1.00 | ||
| Feb 12, 2017 | $1.00 | ||
| Feb 19, 2017 | $1.00 | ||
| Feb 26, 2017 | $1.00 | ||
| Mar 5, 2017 | $1.00 | ||
| Mar 12, 2017 | $1.00 | ||
| Mar 19, 2017 | $1.00 | ||
| Mar 26, 2017 | $1.00 | ||
| Apr 2, 2017 | $1.00 | ||
| Apr 9, 2017 | $1.00 | ||
| Apr 16, 2017 | $1.00 | ||
| Apr 23, 2017 | $1.00 | ||
| Apr 30, 2017 | $1.00 | ||
| May 7, 2017 | $1.00 | ||
| May 14, 2017 | $1.00 | ||
| May 21, 2017 | $1.00 | ||
| May 28, 2017 | $1.00 | ||
| Jun 4, 2017 | $1.00 | ||
| Jun 11, 2017 | $1.00 | ||
| Jun 18, 2017 | $1.00 | ||
| Jun 25, 2017 | $1.00 | ||
| Jul 2, 2017 | $1.00 | ||
| Jul 9, 2017 | $1.00 | ||
| Jul 16, 2017 | $1.00 | ||
| Jul 23, 2017 | $1.00 | ||
| Jul 30, 2017 | $1.00 | ||
| Aug 6, 2017 | $1.00 | ||
| Aug 13, 2017 | $1.00 | ||
| Aug 20, 2017 | $1.00 | ||
| Aug 27, 2017 | $1.00 | ||
| Sep 3, 2017 | $1.00 | ||
| Sep 10, 2017 | $1.00 | ||
| Sep 17, 2017 | $1.00 | ||
| Sep 24, 2017 | $1.00 | ||
| Oct 1, 2017 | $1.00 | ||
| Oct 8, 2017 | $1.00 | ||
| Oct 15, 2017 | $1.00 | ||
| Oct 22, 2017 | $1.00 | ||
| Oct 29, 2017 | $1.00 | ||
| Nov 5, 2017 | $1.00 | ||
| Nov 12, 2017 | $1.00 | ||
| Nov 19, 2017 | $1.00 | ||
| Nov 26, 2017 | $1.00 | ||
| Dec 3, 2017 | $1.00 | ||
| Dec 10, 2017 | $1.00 | ||
| Dec 17, 2017 | $1.00 | ||
| Dec 24, 2017 | $1.00 | ||
| Dec 31, 2017 | $1.00 | ||
| Jan 7, 2018 | $1.00 | ||
| Jan 14, 2018 | $1.00 | ||
| Jan 21, 2018 | $0.62 | ||
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