Selling provisions

Jenipher

Nakuru, Kenya

38% repaid

Entrepreneur

Name

Jenipher

Member since

August 2013

On-time repayments

90 installments  •  32%

About Me

My name is Jenipher Achungo.i am a resident of Nakuru County,Kenya.I was born in the year 1979 at a place called Shikoko location in Kakamega County,Kenya.I started going to school in the year 1987-1994 in St.Paul's Primary School.Later in the year 1995,i joined Flamingo Secondary School,Nakuru, in form One.In the year 1998,I did my (K.C.S.E),Kenya certificate of Secondary Examinations.
In the year September,2005,i joined Kenya Institute of Management for my Diploma in Business Management and i graduated in the year 2007.I started looking for an employment within the City and in the year 2008,i was lucky to get one from Silicon Cyber Investments.I worked in a position of a supervisor until we were laid off in the year 2009,by the company management due to company's financial crisis.I worked for one year and five months only.That is when i decided to open my own business since i had some savings in my bank account.

My Business

My business deal with all types of Candy(sweets),biscuits,ground-nuts,scratch-cards(Safaricom,Airtel Yu,Orange airtimes)Cigarettes,local daily News papers,simu ya jamii and refilling gas cylinders.I started this business in the year 2010.My business is registered under the by-laws of Nakuru Municipal Council regulations.I started this immediately i got some money from my savings which i got from my former work.
You can buy all types of sweets and biscuits,ground-nuts among other products which are in today's Kenyan market.The other services you can get from my store are,you can buy a cooking gas cylinders.My customers oftenly come for my services since i do sell at a reasonable price and also provide free home delivery of the products.(refilled gas cylinders)
In the year November, 2011,i was loaned Ksh.50,000/= from the Vision Afrika Savings &Credits Co-Operative Society Ltd and repaid within 12 months time,which ran until December,2012.For now i do not hold any debt from any institution .That is why i was requesting from the Zidisha Micro finance to grant me a loan so that i can buy the goods in wholesale and in bulky and also buy the Gas cylinders in bulky so as to satisfy my customers needs and in large volumes.There is a high demand of the commodity,hence the Gas supply is very demanding in this area.Thank you and God bless you all.

Loan Proposal

Thank you zidisha microfinance for the endless support in my small business.
I am again requesting for more financial support of KES.26,190/= to enable me increase more goods.
Some of the goods are empty gas cylinders,burners,and hose pipes for the business to prosper more.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$258.00

Date disbursed

Jan 23, 2020

Repayment status

Late

Projected term

12 months

Lenders

Paul Buchheit

Mountain View, United States

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  • Jenipher    Nov 12, 2020

    Hello team. It is my prayer that all of the lenders and team zidisha and my fellow responsible borrower you are doing good and keeping safe this challenging times.
    Back here,I am fine together with my family and my small business,doing fine and keeping safe against this Coronavirus pandemic.
    Hoping to hear from you soon as I continue paying my loan responsibly.
    #LongLiveZidisha....
    #KeepSafeLenders....

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  • Jenipher    Oct 29, 2020

    Happy to be well and safe. Its my prayer too that all our lenders and the entire management are fine and healthy in this time of Coronavirus pandemic.
    Let's hold our hands together in combatting this pandemic and we will emerge victorious in Jesus Mighty name, Amen.
    Be blessed always #TeamZidisha

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  • Jenipher    May 11, 2020

    Currently the situation is worse since we are at stay home period only few customers are coming for my services.

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  • Jenipher    Apr 1, 2020

    We have been relocated from our premises by the county authority, therefore my business have stalled. Kindly bear with me.

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  • Jenipher    Mar 11, 2020

    Dear Zidisha,I am kindly requesting for a minimal weekly installments until my business stabilize.
    Thank you.

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  • Jenipher    Feb 15, 2020

    At noe the business profit has reduced,thus requesting for a minimal instalment. Thank you.

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  • Jenipher    Jan 23, 2020

    To lender Paul Buchheit,thank you for funding my business. I will be updating you on the progress of my business.
    Thank you.

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  • Jenipher    Dec 11, 2019

    Iam grateful to all my lender for the kind support in my business. This has made me to make a tremendous improvement through your loan. I look forward to have more support in future.
    Thank you so much.

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  • Jenipher    Sep 17, 2015

    Please understand my current situation in my small business.I am greatful for the continous support the zidisha team has been giving to my business up to date.Only that the business has been slow of late following the relocation of our structures by the County aouthority to a new place.The customers has been saying that it's far away compared to where we used to be,making my daily sales to drastically drop.I am kindly requesting for a reshedule of my initial pay day until the business resumes to narmal.Kindly understand m y situation.Thanks and God bless you all in zidisha family.

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  • Jenipher    Mar 22, 2015

    Thank you zidisha and lenders for the support that you have given me through funding my business.When kenya devolved the government,the new governers relocated our businesses to a new site so as to expand the town.This really affected our businesses since january due to the fact that thr place was not favourable to our businesses.I promise to pay more when we get back to normalcy.Thank you again and sorry for any inconviniences that i have caused.

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  • Jenipher    Dec 25, 2014

    Thank you zidisha and the lenders for the opportunity that you have given me.I encountered alot of challenges in the running of my business and thats why iwas unable to pay on time.The business was running well and i was making profit but one day when i went to work in the morning i found the doors broken and all my gas and cylinder were stolen and thats why i haven't made payment as i had written.This has made me go through alot of pains and anguish because i had not paid the suppliers.I would like to be paying 200 on a weekly basis.Sorry for any inconviniences

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  • Bavarian    Sep 6, 2014

    Dear Jenipher, I hope you and your family are doing well. We haven't heard any news from you for a while and you are behind your repayment schedule. Please keep us informed how things are going. Regards, Bavarian

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    • Jenipher    Sep 8, 2014

      thank you zidisha and the lender for your consideration.dear bavarian,am really sorry for not paying my loan on time.the business conditions changed due to our country introducing more charges in levies thus limiting the bussiness profits.i promise to pay the loan as from next month.thank you

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  • Jenipher    May 2, 2014

    Thank you zidisha team for this opportunity that you have given me and also to my business.This month being a school holiday,many parents and children visited my business of which i made a good sales.so i wanted to increase my payment beginning next repayment.Due to the profit i made,i was also able to open another outlet which is also doing well thus increasing my turnover.this has also improved my life and that of my children.i will be able to pay fees for the next term beginning on Monday 5th

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  • Jenipher    May 2, 2014

    Thank you zidisha team for your support in my business.This month my business did well due to the school holidays.The gas sales went up due to more demand of which i was able to supply.i was also able to open another outlet within town which is doing well.thank you again lenders for improving my life with your support

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  • CZC    Jan 30, 2014

    Hi Jenipher,

    I hope everything is going well for you and your business. Could you give us an update on how business was over the festive season?

    Thanks,
    Cris

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    • Jenipher    Feb 3, 2014

      Hi Crissr everything is OK. my business is doing fine i have ordered more stock. my profit have increased. thanks for your concern.

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      • CZC    Feb 11, 2014

        Jenipher,

        I'm happy to hear that everything is OK and profits are up. Since you missed your first repayment which was due on Jan 15 and your next repayment is due in 4 days, I would recommend you reschedule your loan. Because of the missed repayment your on-time repayments score has already gone down.

        Take care,
        Cris

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  • Jenipher    Dec 9, 2013

    Thank you so much the zidisha family for giving me a chance to be associated with this wonderful and caring zidisha family.Being the month of December so many customers have come for my services and that is why my business has made a significant changes in terms of sales.For now i have made some profits which made me to clear the remaining balance in one installment by the end of today,09/12/2013.I do really appreciate the zidisha team for your fully kind and generous contributions to my business and to the other businesses across the world.Thank you so much and i welcome you all for future support to my business.Thank you.

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  • Jenipher    Nov 15, 2013

    Today,being on 15th day of November the business looks abit slow and even as we started this month,and that is why i have rescheduled my monthly repayments installments.As day goes by i will embark to my normal paying timetable and hopefully i will be in a position to repay as usual.Thank you all the zidisha micro-finance team and all the lending team as a whole zidisha family.Thank you and be blessed.

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  • Jenipher    Sep 17, 2013

    hallo my zidisha microfinance management and all the lending panel.It's been a pleasure to have such a worthy,wonderful and caring friends.My business is doing good.I have bought most of the goods for my business.I do really thank you all my worthy friends and i am sure that we are GOING somewhere with you.Surely i have a destiny with your Organization.The business looks promising since i boosted with you funds.Thank you all and enjoy the week ahead.Achungo.Jenipher.

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  • Jenipher    Sep 6, 2013

    To all the lenders and specifically:anonymus, BassFamily ,joaoferraz, mlepisto, Philippe, russell, scgtb, vidarlil, and Walters01.I want to register your support towards my loan funding.also i want to thank all the other willing lenders who had wished to fund my loan.
    Also i cannot leave behind the Zidisha Micro-finance,for your prompt and speedy response towards my loan application process.I want to say Thank you so much and be blessed.Have a successful day ahead.Thank you all.

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  • Jenipher    Sep 6, 2013

    To all the lenders and specifically:anonymus, BassFamily ,joaoferraz, mlepisto, Philippe, russell, scgtb, vidarlil, and Walters01.I want to register your support towards my loan funding.also i want to thank all the other willing lenders who had wished to fund my loan.
    Also i cannot leave behind the Zidisha Micro-finance,for your prompt and speedy response towards my loan application process.I want to say Thank you so much and be blessed.Have a successful day ahead.Thank you all.

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