License renewal and completion of a new branch of my restaurant business

Rosemary Njogo

Mishomoroni, Kenya

100% repaid

Entrepreneur

Name

Rosemary Njogo

Location

Mishomoroni, Kenya

On-time repayments

148 weekly installments  •  100%

About Me

I am Rose Njogo, a business lady and a mother of 3 currently living in Mombasa along the Kenyan coast. I was born in Nyeri County in the central province of Kenya in a big family of 8. I am the 5th born in the family. Being born in a large family meant that there was a lot of sibling rivalry in seeking to get attention from our parents who were always busy in the family farm trying to eke out a living.

I was the quiet one in the family and I always found solace in the church from an early age. It was for this reason that after completing my secondary education, I decided to join a Catholic convent to undergo training as a nun. This I did, but I quit after 2 years of seclusion when my health deteriorated so much such that I had to discontinue with the course. When I went back home, my family convinced me not to go back to the convent. They even convinced me to turn down a scholarship that was offered to me to join a sister convent in France. I was very naive at this time and the tussle between the church and the family got me very confused. In this confusion, I got pregnant out of wedlock and my life took a dramatic turn – from a naive village girl to a mother-to-be facing a harsh, cruel world.

My parents gave me lukewarm support since it was a taboo and an embarassment at that time to have a child out of wedlock. I later decided to move to Mombasa to live with my cousin and this is where I began doing business. I was later blessed with twin girls while living in Mombasa.

My Business

My business entails roasting meat and selling the same to my clients who come to my restaurant. I specialize in goat, cow and chicken meat. When I came to Mombasa, I realized that there were no such eateries. Mombasa people's diet is mainly Asian foods and I decided to import this idea to the local population and it was an instant hit.

On a normal day, I can sell 50 kg of goat meat and the same amount of beef in addition to about 20 kg chicken. I make around $35 per day where about $10 is my take home after all expenses are paid. I have two workers who help with this labor intensive job. I use the proceeds of this business to support my family since I am the sole bread winner.

Loan Proposal

In Mombasa County, according to the by-laws, this is the month to renew business licenses. We have started receiving notices from the County Government to renew our licenses before we incur penalties. My restaurant business may be affected if I don't have the proper documents and, above all, obey the law of having a valid license. If I am able to pay timely, I will be always on duty and be able to work at all times.

The loan I borrowed last time wasn’t enough to do the extension of a new branch, so with the addition of this new loan I will complete the new branch. I am happy to have you as friends at the hour of my financial need. I believe you will assist with funding my loan. I need USD 300 for leasing the premises, USD 400 for fittings and furniture, USD 270 for government license and the balance for miscellaneous expenses. I promise loyalty in repaying your loans, as I always do. Thanking you in advance.

Show original English  

About Me

I am Rose Njogo, a business lady and a mother of 3 currently living in Mombasa along the Kenyan coast. I was born in Nyeri County in the central province of Kenya in a big family of 8. I am the 5th born in the family. Being born in a large family like meant that there was a lot of sibling’s rivalry seeking to get attention from our parents who were always busy in the family farm trying to eke a living.

I was the quiet one in the family and I always found solace in the church from an early age. It was for this reason that after completing my secondary education, I decided to join a catholic convent to undergo training as a nun. This I did but I quit after 2 years of seclusion when my health deteriorated so much such that I had to discontinue with the course.

When I went back home, my family convinced me not to go back to the convent.
They even convinced me to turn down a scholarship that was offered to me to join a sister convent in France. I was very naive at this time and the tussle between the church and the family got me very confused. In this confusion I got pregnant out of wedlock and my life took a dramatic turn – from a naive village girl to a mother-to be facing a harsh cruel world.

My parents gave me lukewarm support since it was a taboo and an embarrassment at that time to have a child out of wedlock. I later decided to move to Mombasa to live with my cousin and this is where I began doing business. I was later blessed with twin girls while living in Mombasa.

My Business

My business entails roasting meat and selling the same to my clients who come to my restaurant. I specialize in goat, cow and chicken meat. When I came to Mombasa, I realized that there were no such eateries. Mombasa people diet is mainly Asian foods and I decided to import this idea to the local population and it was an instant hit.

In a normal day, I can sell 50 kg of goat meat and the same amount of beef in addition to about 20 kg chicken. I make around $35 per day where about $10 is my take home after all expenses are paid. I have two workers who help with this labor intensive job.

I use the proceeds of this business to support my family since I am the sole bread winner.


MOMBASA COUNTY , according to the by-laws , This is the month to renew the Business licenses,We have started receiving notices from the COUNTY GOVERNMENTS to renew our licenses before we incur penaulties, my Restaurant business may be affected if i don't have the proper documents and above all, obey the law of having a valid license, IF am able to pay in time, I will be always on on duty in time, The loan I borrowed last time wasn’t enough to do extensions of a new branch so with the additions of this new loan I will compete the new branch with this loan, am happy to have you as friends at the hour of my financial need, this being the forth time, I believe you will Assist with funding my loan
I need USD 300 for leasing the premises, USD 400 for fittings and furniture, USD 270 for government license and the balance for miscellaneous expenses. I promise royalty in paying your loans as I always do, Thanking you in advance.

Loan Proposal

MOMBASA COUNTY , according to the by-laws , This is the month to renew the Business licences,We have started receiving notices from the COUNTY GOVERNMENTS to renew our licences before we incur penaulties, my Restaurant business may be affected if i don't have the proper documents and above all, obey the law of having a valid license, I WILbe able to pay timely, i will be always on duty and be able to work at all times, The loan I borrowed last time wasn’t enough to do extensions of a new branch so with the additions of this new loan I will compete the new branch with this loan, am happy to have you as friends at the hour of my financial need, this being the forth time, I believe you will Assist with funding my loan
I need USD 300 for leasing the premises, USD 400 for fittings and furniture, USD 270 for government license and the balance for miscellaneous expenses. I promise royalty in paying your loans as I always do, Thanking you in advance.

Feedback

10

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  • Ahadi    Mar 20, 2017

    Rosemary is a very serious borrower.
    We can trust her for her business.
    Asante sana Rosemary.

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  • BernadetteV    Mar 7, 2017

    Rosemary made regular repayments and had the loan repaid well ahead of schedule. It was a pleasure to support her.

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  • Ed    Mar 6, 2017

    wow, all I can say is wow
    Roemary was a pleasure to lend to. She paid her loan early and often. I would most certainly lend to her again

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  • BernadetteV    Jul 15, 2016

    It is always a pleasure to lend to Rose. She makes regular payments and whenever she can repay even ahead of time.

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  • howard    Jul 15, 2016

    Excellent, and very fast, repayments, yet again. Thank you, Rosemary.

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  • BernadetteV    Dec 29, 2015

    Rosemary made regular payments and repaid the loan six weeks early. Many thanks Rosemary. I'll support you again for another project.

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  • howard    Dec 29, 2015

    Perfect repayments - even better since you are ahead of schedule. Thank you, Rosemary.

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  • xtrahardware    Aug 6, 2015

    AAA!

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  • JessieD    Aug 5, 2015

    I'm so pleased to hear that your business is going well. I wish you continued success.

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  • guggl    Aug 4, 2015

    well done!

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Loan Info

Project Type

Classic Loan

Disbursed amount

$1,328.95

Date disbursed

Apr 3, 2017

Repayment status

On Time

Projected term

21 months

Cost to entrepreneur

Service fee: $58.19

Rosemary opted to pay $22.15 into the Zidisha Members Loan Fund in return for a higher starting credit limit.

Lenders

A

aaronmcmurray

SLC, UT, United States

HI

Highly Improbable

Saskatoon, Canada

TG

The Gwarden

Göteborg, Sweden

DuAel

Orvault, France

S

sebseb

The Hague, Netherlands

O

Oxfall

Gothenburg, Sweden

ErikN

Stockholm, Sweden

R

Rotterdammer

Rotterdam, Netherlands

Kjartan

Oslo, Norway

F

faical

Cologne, Germany

johnandmoliehi

Canton, New York, United States

tmisch

San Jose, California, United States

P

pmyadlowsky

Charlottesville, United States

JimVandegriff

Trinidad, California, United States

indeh

London, United Kingdom

Myrar

Aarau, Switzerland

M

mkfiddler

Santa Barbara, United States

AdvancingCompassion

San Diego, United States

G

Goodwill

Oakland, United States

M

marcelitohb

Bremen, Germany

L

leniwiec

Poznan, Poland

ads68

Melbourne, Australia

Y

Yevrahs

Dallas, Texas, United States

trackpal

Brighton, United Kingdom

L

lilbsedz

Raleigh, United States

A

Andy

Berlin, United States

nakamura

United States

G

glh25

Winooski, United States

C

caz32

chertsey, United Kingdom

A

AndrewC

London, United Kingdom

Atheist4good

United States

JonB

London, United Kingdom

soniad

Dubai, United Arab Emirates

D

DelapierceD

New York, United States

HernanB

Berlin, Germany

R

robertsk

Yuba City, United States

B

bwitt

Berkeley, United States

C

Clben7

Cincinnati, United States

Evan Lamos

Brussels, Belgium

sderickson

Berkeley, CA, United States

pvilliger

Zurich, Switzerland

G

guiambros

United States

A

alazybum

Australia

Paul Buchheit

Mountain View, United States

D

DandS

United States

T

tiojoca

Portugal

K

Kber9156

North Parramatta, Australia

Insomnus

Cheltenham, United Kingdom

larry

Sweden

TyWee

Manila, Philippines

V

vbud

United States

Laparo

Dusseldorf, Germany

E

edbean

United Kingdom

K

Keith

Luxembourg

A

AlexH

United Kingdom

K

kalalouann

United States

H

Heath

United States

K

KiraDee

United States

N

Nicolaas

Doha, Qatar

Rachael101

Brisbane, Australia

M

Mscov

United States

H

harriet

United Kingdom

B

bwmoore

United States

D

djlayton4

United States

Mike and Jacqui

United Kingdom

S

Stephan

Netherlands

K

Kristiina

All Countries

AP

Andrew Page

United Kingdom

SK

Sebastian Krohn

Amsterdam, Netherlands

UN

Uwe Neumann

Frankfurt Germany, Denmark

Gab

Singapore

M

monty

Australia

DW

Dana Whicker

United States

JS

Jon Scherer

United States

Jake Badger

Roskilde, Denmark

JM

John Meserve

United States

Lou Kaucic

Sanbornton, NH, United States

E

erica

antwerpen, Belgium

Julia

United States

HS

Harry Shulman

United States

TB

Taylor Brown

United States

PT

Paul T

Amsterdam, Netherlands

Carla

Amsterdam, Netherlands

S

Sharon4B

Molalla, Oregon, United States

Tobias Königs

Sancta Colonia Dei Gratia Romanae Ecclesiae Fidelis Filia, Germany

T

Tom

United States

K

Katka

St Albans, United Kingdom

roark22

Geneva, Switzerland

Mary

Germany

Sara R

Leuven, Belgium

J

Julie

Los Angeles, United States

K

Kenny

United States

KirstenAlana

Los Angeles, United States

The Zinc Team

San Francisco, United States

Benjamin Kniaz

Boston, United States

Humble Bundle Community

San Francisco, United States

Jean Wren Chan

United States

ED

Eunan Doherty

donegal ireland, Ireland

MS

Merel S

Netherlands

J

Jakub

Czech Republic

EH

Elena H-S

United States

GC

Gabriel Collins

United Kingdom

KA

Khaled Asmri

Saudi Arabia

Mike

Indianapolis, United States

L

Liam

New Zealand

Paul Buchheit

Mountain View, United States

F

Florian

Netherlands

JW

Jeslyn Wegner

United States

Nethanel Kohen

NYC, United States

CN

Craig Newmark

United States

AB

Ashira Blazer

United States

JG

Jake Gibson and Beverly Picardo

San Francisco, United States

KT

K Turner

United States

A

Anonymous

United States

BL

Bill Lowery

United States

M

Menke59

United States

C

Cassy

United States

RD

Ryan Duffy

United States

TM

Todd Martin

United States

SS

Sam Smith

United States

B

bburritt

San Diego, California, United States

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