Name
Miriam
Member since
November 2012
On-time repayments
122 installments • 61%
My name is Miriam Muthoni Githambo I am a Kenyan citizen who lives in Mawanga Nakuru.I am married and I have two children. I have been doing different types of business since the year 2000, currently I am running a dairy shop combined with a minishop which I opened in January 2012 when I moved from Mwea and settled in Nakuru and its called Alpha milk center.
In my Dairy shop I sell fresh milk, sour milk and yogurt of which I sell an average of sixty liters per day. I also sell general commodies like sugar, bread, soap and other household items and food stuff. I would like to expand my business by adding another deep freezer since the one that I have is not enough. And I also want to add food stuff and commodities and that is why I want to apply or a loan in your organization.
I have been borrowing loans since I started this business. I have borrowed loan twice in an organization called FAULU KENYA, that is when I used to live in Mwea between 2007-2009.In this organization you borrow as a group. I managed to clear my loan without any default.
Finally, my business is doing well and is very active, but I want to add other stuff to expand it.
My business deals with people it’s a small business but i want to expand it sell quality goods like milk,sugar,salt ,rice beans,cooking oil, tissue paper bread,matchbox,soap,sweets,pampas,steel wool,medicine,col agate,ink.pencil.scratchcards,biscuits,eggs,tea leaves,sodas,among others. The demand is high because the place is highly populated and since I have quality goods customers love my shop they come n large number but I don't have all the products that they want. I also sell at a reasonable price I don. The business is profitable because i have a lot of customers since my goods are of good quality and standard. Risks are that I don't have a lot of goods that my customers want I have other competitors that sell similar goods like me. Sometimes i experience shortage of goods like milk during dry season. I do sell at around ksh25, 000 per month and i make a profit of 500 per day. But since I want to expand my business so that i can sell up to ksh 50,000 and make a profit of ksh1000 per day.
i had opened an M-pesa and i have experienced difficulties in operating it because the float i had was little, secondly there was a time i closed because i got sick and admitted in Nakuru general hospital where i closed my business for about a month and my safari com line was eventually closed. I have the desire to re-open the M-pesa because i had established the entrepreneurs and in fact customers keeps on asking and i feel so frustrated because i used much of any working capital when in hospital. Since now I am okey and my health is sound, I am trusting and believing myself that given the opportunity I am going to prosper.
Positive
1
Neutral
None
Negative
None
Project Type
Classic Loan
Disbursed amount
$402.00
Date disbursed
Jan 16, 2015
Repayment status
Late
Projected term
16 months
Other loans
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Amount repaid
$320.16
Amount remaining
$136.75
Expected completion
Jun 5, 2016
Status
Repaying late
Installment amount
$5.62
Expected Payments | Actual Payments | ||
---|---|---|---|
Jan 25, 2015 | $10.33 | Jan 25, 2015 | $10.33 |
Feb 1, 2015 | $10.33 | Jan 25, 2015 | $1.16 |
Feb 1, 2015 | $9.17 | ||
Feb 8, 2015 | $10.33 | Feb 1, 2015 | $2.07 |
Feb 8, 2015 | $8.26 | ||
Feb 15, 2015 | $10.33 | Feb 8, 2015 | $2.98 |
Feb 15, 2015 | $7.35 | ||
Feb 22, 2015 | $10.33 | Feb 15, 2015 | $0.52 |
Feb 22, 2015 | $8.11 | ||
Mar 1, 2015 | $1.70 | ||
Mar 1, 2015 | $10.33 | Mar 1, 2015 | $9.54 |
Mar 17, 2015 | $0.79 | ||
Mar 8, 2015 | $10.33 | Mar 17, 2015 | $10.33 |
Mar 15, 2015 | $10.33 | Mar 17, 2015 | $10.24 |
Mar 23, 2015 | $0.09 | ||
Mar 22, 2015 | $10.33 | Mar 23, 2015 | $6.65 |
May 3, 2015 | $3.67 | ||
Mar 29, 2015 | $10.33 | May 3, 2015 | $10.33 |
Apr 5, 2015 | $10.33 | May 3, 2015 | $8.47 |
May 17, 2015 | $1.85 | ||
Apr 12, 2015 | $10.33 | May 17, 2015 | $9.38 |
May 24, 2015 | $0.94 | ||
Apr 19, 2015 | $10.33 | May 24, 2015 | $10.33 |
Apr 26, 2015 | $10.33 | May 24, 2015 | $10.33 |
May 3, 2015 | $6.49 | May 24, 2015 | $6.49 |
May 10, 2015 | $0.00 | ||
May 17, 2015 | $0.00 | ||
May 24, 2015 | $0.00 | ||
May 31, 2015 | $5.62 | May 31, 2015 | $5.62 |
Jun 7, 2015 | $5.62 | Jun 7, 2015 | $5.62 |
Jun 14, 2015 | $5.62 | Jun 15, 2015 | $5.62 |
Jun 21, 2015 | $5.62 | Jun 21, 2015 | $5.62 |
Jun 28, 2015 | $5.62 | Jun 28, 2015 | $5.62 |
Jul 5, 2015 | $5.62 | Jul 6, 2015 | $5.62 |
Jul 12, 2015 | $5.62 | Jul 12, 2015 | $5.62 |
Jul 19, 2015 | $5.62 | Jul 20, 2015 | $5.62 |
Jul 26, 2015 | $5.62 | Jul 27, 2015 | $5.62 |
Aug 2, 2015 | $5.62 | Aug 2, 2015 | $5.62 |
Aug 9, 2015 | $5.62 | Aug 2, 2015 | $5.62 |
Aug 16, 2015 | $5.62 | Aug 2, 2015 | $5.62 |
Aug 23, 2015 | $5.62 | Aug 31, 2015 | $5.62 |
Aug 30, 2015 | $5.62 | Aug 31, 2015 | $5.62 |
Sep 6, 2015 | $5.62 | Sep 29, 2015 | $5.62 |
Sep 13, 2015 | $5.62 | Sep 29, 2015 | $5.62 |
Sep 20, 2015 | $5.62 | Sep 29, 2015 | $5.62 |
Sep 27, 2015 | $5.62 | Sep 29, 2015 | $5.62 |
Oct 4, 2015 | $5.62 | Oct 5, 2015 | $5.62 |
Oct 11, 2015 | $5.62 | Oct 19, 2015 | $5.62 |
Oct 18, 2015 | $5.62 | Oct 19, 2015 | $5.62 |
Oct 25, 2015 | $5.62 | Nov 2, 2015 | $5.62 |
Nov 1, 2015 | $5.62 | Nov 2, 2015 | $5.62 |
Nov 8, 2015 | $5.62 | Nov 23, 2015 | $5.62 |
Nov 15, 2015 | $5.62 | Jan 10, 2016 | $5.62 |
Nov 22, 2015 | $5.62 | Jun 11, 2016 | $5.62 |
Nov 29, 2015 | $5.62 | Mar 5, 2019 | $5.62 |
Dec 6, 2015 | $5.62 | Mar 15, 2019 | $5.62 |
Dec 13, 2015 | $5.62 | Mar 15, 2019 | $5.06 |
Apr 8, 2019 | $0.56 | ||
Dec 20, 2015 | $5.62 | Apr 8, 2019 | $5.62 |
Dec 27, 2015 | $5.62 | Apr 8, 2019 | $0.56 |
Jan 3, 2016 | $5.62 | ||
Jan 10, 2016 | $5.62 | ||
Jan 17, 2016 | $5.62 | ||
Jan 24, 2016 | $5.62 | ||
Jan 31, 2016 | $5.62 | ||
Feb 7, 2016 | $5.62 | ||
Feb 14, 2016 | $5.62 | ||
Feb 21, 2016 | $5.62 | ||
Feb 28, 2016 | $5.62 | ||
Mar 6, 2016 | $5.62 | ||
Mar 13, 2016 | $5.62 | ||
Mar 20, 2016 | $5.62 | ||
Mar 27, 2016 | $5.62 | ||
Apr 3, 2016 | $5.62 | ||
Apr 10, 2016 | $5.62 | ||
Apr 17, 2016 | $5.62 | ||
Apr 24, 2016 | $5.62 | ||
May 1, 2016 | $5.62 | ||
May 8, 2016 | $5.62 | ||
May 15, 2016 | $5.62 | ||
May 22, 2016 | $5.62 | ||
May 29, 2016 | $5.62 | ||
Jun 5, 2016 | $8.10 |
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