Buy farm inputs for resale in my new agrovet shop

Joel

Njoro Town, Kenya

100% repaid

Entrepreneur

Name

Joel

Member since

June 2014

On-time repayments

200 installments  •  88%

About Me

I`m Joel Kandie,yet to marry.I come from a family of 7 children.I`m horticulturalist by profession having pursued a barchelors degree course in horticulture. Currently I`m employed with Hangzhou Agrochemical Industries East Africa LTD. I want to expand my part time investment which I started by constructing a greenhouse in my area then later started an agrovet shop for selling farm inputs and agrochemicals. I like working with charitable organizations in my community. I also like reading inspirational books like ``Understanding your potential by the late Dr. Myles Munroe`` that help uplift my motivational norm. I would like to be an employer in the future and help create employment opportunities to both graduates and non graduates.
Currently part time business builder.

My Business

It is now more than two years since I started my Agrovet shop where I sell various agricultural farm Inputs and equipment and I am glad that it is running well.I have increased the quantity of the products I sell because of huge demand as more youths have ventured to farming thus embracing agribusiness.
Due to the fact that many youth have embraced farming I am seeking funding to buy a more stock to meet with high demand for farm inputs.By providing steady supply of Farm inputs to farmers, I will have created confidence with them enabling me have an advantage over my competitors.My vision is to empower many jobless youth to embrace farming hence eradicating poverty.
.I project the net profit to rise by approximately 20% after the stock increase which I will reinvest in growing the business.
Kindly support futuristic dream.

Loan Proposal

I will buy agricultural products such as farm equipments, farm inputs and agrochemicals. I plan to secure the shop with $ 60, invest $150 in buying variety of farm equipments, spend $290 in purchasing farm inputs and agrochemicals. I will have created more opportunity because one more person whom I shall employ to man my shop. I will have helped my community from traveling 50km away to buy the same products. I will also commit my time to train the local farmers which was not the case in previous sellers.
Because my shop shall be close to farmers, I will enjoy monopoly and prepare myself for any competition in the future.
Therefore, my projection of return is $ 120 per month till I stabilize. I look forward to make it increase monthly by improving my services and sustaining existing customers.

Feedback

3

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Loan Info

Project Type

Classic Loan

Disbursed amount

$432.00

Date disbursed

Jul 17, 2015

Repayment status

On Time

Projected term

5 months

Lenders

TG

The Gwarden

Göteborg, Sweden

Zidisha

Sterling, United States

Namaste250

Pittsford, United States

A

alexandraleaving

Alice Springs, Australia

A

alkemyst

Geneve, Switzerland

drstaples

Provo, UT, United States

F

FredBetty

San Antonio, United States

G

glh25

Winooski, United States

A

asmilligan17

Perryville, United States

K

knute

vestre jakobselv, Norway

P

peter9

Victoria, Canada

davidt

San Francisco, United States

G

Gwencalon

Garching b. Muenchen, Germany

L

LukeTenney

Mayfield, Australia

GH

Gav H

Langley, Canada

B

Britteva

Oslo, Norway

K

Klaudulas

Warsaw, Poland

Elaine

John Day, United States

M

Moamar

Grand Rapids, United States

Stefano Bordin

Milano, Italy

J

JoeOmundson

Portland, OR, United States

Shamrock

Wicklow, Ireland

J

JoeRahi

Essex, United Kingdom

T

texasags

owasso, United States

D

d3witt

Cheyenne, United States

Bobrm2k3

Charleston, United States

C

collins75

Hawthorn, Australia

M

mgnyc

New York, United States

B

BassClef

Bozeman, United States

I

ianb723

ROCHESTER, United States

ericacamille

Brooklyn, United States

Richard100

Santa Ana, United States

nmatpt

Lisboa, Portugal

P

prashant

SUNNYVALE, United States

G

gregc

Calgary, Canada

M

MarkGallagher

Glasgow, United Kingdom

Y

Yecats

New York, United States

M

mrsfit

Surrey. BC, Canada

E

ElliottGarlock

Palo Alto, CA, United States

A

arwaandali

Ottawa, Canada

J

jeremysherwood1

Cocoa, Fl, United States

W

Winniether

Rochester, United States

zaoyoga

Toulouse, France

D

ddandipu

Calgary, Canada

B

Brian

Washington, DC, United States

W

Walter1

Bergneustadt, Germany

A

acolomitchi

Eynesbury, Australia

A

amish

San Francisco, United States

M

maxep06

Fairfax, United States

A

Avalokiteshvara

Yau Yat Chuen, Hong Kong

J

Jamie

Vancouver, United States

C

CJAnderson

Sydney, Australia

H

HomesteadSchool

Glen Spey, United States

Sheena47

Ottawa, Canada

2

2Samuel22

Clarksville, United States

colochef

Montevideo, Uruguay

I

ificouldfly

Sofia, Bulgaria

J

jasonandvachi

Renton, United States

ashleeandjeanelle

Auckland, New Zealand

M

MACH1351CJ

HOMMELVIK, Norway

1staidgirl

Surrey, Canada

A

AegeusOceanus

Seattle, United States

claire.mcleland

Springfield, United States

P

Phoint

Zurich, Switzerland

S

Somniferum

Ontario, Canada

numbat

Perth, Australia

larsandanika

Langen, Germany

M

Moonknight

Østre Gausdal, Norway

K

Krish

Dubai, United Arab Emirates

RebeccaW

Houten, Netherlands

KBW_Fundation

Winterthur, Switzerland

TraciV17

Indianapolis, United States

F

fredrikahl

Stockholm, Sweden

T

TedEBear

Sparks, United States

S

Sclodfelter

Los Angeles, United States

F

Fritzimax

Pacific City, United States

Bill2073

Florida, United States

I

icmoonchild

Haddon Heights, United States

O

ommthree

Egg, Switzerland

DVM1417

Seaford, United States

J

jocke

Stockholm, United States

T

TryingAndFailing

St Paul, United States

C

Christos

Leeds, United Kingdom

paulclinton

malaga, Spain

L

LongTallSallymander

Menomonee Falls, United States

H

hokyplyr

Lincoln, United States

A

anonalender

Hampshire, United Kingdom

A

AndrewC

London, United Kingdom

G

gradient

KFAR SABA, Israel

I

idakaren

bonlez, Belgium

3

381inc

Beverly HIlls, United States

P

Paleomagick

Eldred, United States

Rena121

Sydney, Australia

C

Carlos

Barcelona, Spain

S

smetis

Kananaskis, Canada

S

Sreval

Manly, Australia

FriendinOregon

Hillsboro, Oregon, United States

P

Pavane

Kungsbacka, Sweden

L

lewisfamily

Bicester, United Kingdom

W

wilma95

napa, United States

V

VegaMansk

Woerden, Netherlands

Inspire

Calgary, Canada

E

Ekevu

Zürich, Switzerland

N

NickLuder

London, United Kingdom

A

Alaska

Roscommon, United States

I

inips

Oslo, Norway

T

ThereIsNoGod

Singapore, Singapore

P

Pillango

Frankfurt, Germany

A

alettore

Schleinikon, Switzerland

M

Mikel

Buchs, Switzerland

E

eniid

Stockholm, Sweden

A

andprosper

World Peace, United States

MarshFamilyUK

Canterbury, United Kingdom

Mrdressup

Brisbane, Australia

D

Draka

South park, United States

N

nglogic

Warszawa, Poland

90803

Long Beach, United States

M

MHarrison

Bristol, United Kingdom

C

christopherttran

Toronto, Canada

J

JacobKate

Brisbane, Australia

JoaoManuel

Santiago Do Escoural, Portugal

somuchjackson

Boston, United States

stroi08

Odense C, Denmark

E

Esseni

Cincinnati, United States

S

susurruses

Oakland, United States

M

mallika

Laguna Niguel, United States

Y

yunfangjuan

Palo Alto, United States

J

jaaron

Auburn, United States

S

SAJudy

Argenta, Canada

E

edgrr000

Dallas, United States

C

Catch22

The Colony, United States

B

Budgie81

Norwalk, United States

T

Tessa

Lake Mary, United States

J

johneaton

Ludlow, MA, United States

H

haavi

Espoo, Finland

HernanB

Berlin, Germany

M

More-Like-Them

orange, United States

E

emilys

Rochester, United States

R

rosebo

Bend, United States

T

Travelover

Northville, United States

Parkmobile

Fort Bragg, United States

G

Gdrvasc

Frederick, United States

B

Branjsmith

Philadelphia, United States

H

happytrailsjpd

South Bend, United States

A

andy.gayton

San Francisco, United States

M

markus61

cologne, Germany

S

samthewill

Winterthur, Switzerland

S

svt19

Toronto, Canada

I

ingredion00

Indianapolis, United States

Q

QPWOEI

Norwich, United Kingdom

M

mibrahim51

Mountain View, United States

A

adelias

plymouth, United States

A

andykhl

Jersey City, United States

M

mueba

Frankfurt, Germany

Evan Lamos

Brussels, Belgium

A

Armeij

Veendam, Netherlands

G

GreenMoney

Lahr, Germany

A

anson

Alexandria, United States

A

Alizar

Toms River, United States

S

SanderBeckers

Brussel, Belgium

A

AEDCPD

Berlin, Germany

A

akshu71

Ottawa, Canada

T

Texikan

Fort Worth, United States

A

AandCfromCanada

Spruce Grove, Canada

C

chlevak

Stockholm, Sweden

D

dbuksh

United States

D

dj9812

United States

C

cktsai

United States

M

Morgan1301

United States

L

liseman

United States

S

Smadori0

United States

T

TheNJBoys

United States

M

Molloy

Moorpark, United States

B

bgordon

United States

E

elhh82

Petaling Jaya, Malaysia

E

EjLehar

Galesburg, United States

F

Flemings

Perth, United Kingdom

A

analyticsPierce

Denver, United States

OP

Old People

Corona Del Mar, United States

J

jake7705

Wilsonville, United States

G

goloans

Palo Alto, United States

T

tomcat14

Brussels, Belgium

K

Kramer91

Kamerik, Netherlands

A

AileenH

United Kingdom

P

Peaches

United States

O

osubucks45

United States

B

bovine

United States

M

Mcohan21

United States

M

moodystreet1

United States

GiselleF

United Kingdom

Dreamworks.nl

Den Haag, Netherlands

Paul Buchheit

Mountain View, United States

Grant Xavier Storer

Seattle, Wa, United States

DennisM

Netherlands

V

Vivek

Arlington, VA, United States

Paul Buchheit

Mountain View, United States

Ask Joel a question about this project, share news and photos of your own, or send a simple note of thanks or inspiration.

Please log in to comment.

  • Timothy    Nov 10, 2020

    Joel said the business was interfered by Covid.

    Log in to reply • Share
  • Timothy    Oct 8, 2020

    Kandie told me that he is facing hard economic time due to Covid pandemic.

    Log in to reply • Share
  • Timothy    Sep 8, 2020

    I contacted Joel and he told me that he will make repayment the first week of next month.

    Log in to reply • Share
  • Joel    Jul 28, 2020

    Hard economic times due to Covid 19

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  • Joel    May 30, 2020

    Due to economic effects of corona pandemic I request to reduce the amount of my weekly installment to KES 1000.I believe in the near future my business will be back to profitability.Thanks for your understanding

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  • Joel    Apr 5, 2020

    Hello lenders. I am requesting to reduce my weekly installment to KES 1000.Due to economic crisis caused by corona pandemic that negatively impacted my business, I am requesting to reduce the amount my weekly installment to the above amount to enable me run my business smoothly.I will readjust the instalment to higher amount once the business improves.Thanks in advance for your understanding.

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  • Edwin    Mar 21, 2020

    Joel will be restructuring his loan further to a more manageable mode and resume repayment.
    Thanks for your massive support.

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  • Joel    Feb 9, 2020

    Hello lenders.First I want to thank you for your understanding so far due to hard economic times in my business. Once again I request to reduce my weekly installment to KES 1000 because the business has improved so far and the profit has been declining for the last 6 months.I will increase the instalment once the business will pick up.
    Thank you and may God bless you.

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  • Joel    Dec 26, 2019

    Hello lenders.The income out of my business is still low hence I am requesting to reduce the amount of my weekly installment to KES. 1000.Once there will be improvements in profit rise I will increase the amount of installment.Thank you for your understanding.

    Log in to reply • Share
  • Joel    Nov 17, 2019

    Hello.I am requesting to reduce my weekly installment because of the hard economic times in my business.Profit has decreased significantly due to taxes imposed by the local government on all pesticides.
    Thanks for your understanding.

    Log in to reply • Share
  • Joel    Oct 2, 2019

    Due to the hard economic times that I have had for the last four months, that negatively impacted my business, I request to reduce my weekly installment to 1,000.Thank yo for your understanding.

    Log in to reply • Share
  • Edwin    Sep 19, 2019

    Hello lenders,

    I've talked to Joel and discussed reducing the amount to a level he can manage for the time being. He will resume paying higher amount in another 3 weeks.

    Thank you for your patience with him.

    Edwin, VM.

    Log in to reply • Share
  • Joel    May 24, 2019

    Hello lenders.First is to say that I'm so grateful for your continued support as l grow my business.Together with my personal savings, I will increase the stock in my shop which will result in profit rise.My community will also benefit in that they will get reliable source of Farm inputs because farming is main economic activity in my locality.
    With those few remarks I take this opportunity to thank all lenders for the funding my business.May God richly bless you.

    Log in to reply • Share
  • Joel    May 24, 2019

    I used $750 to buy the highly demanded herbicides,seeds and fertilizers that was needed by the farmers during the planting season.The remaining amount I bought fungicides and animals feeds. This resulted in profit rise by approximately 15%. I was able to hire one more employee to assist assist the two who are already working.In general,my business improved alot courtesy of the last loan.Thanks alot for your support even as I seek more funding to grow my business.

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  • Joel    Feb 23, 2019

    I will buy highly demanded farm inputs hence profit rise.Farmers in my locality will also benefit in that they will get a reliable shop for all their farm inputs whenever they need.
    I take this opportunity to thank all lenders who contributed to raise this loan at appropriate time. May God bless you abundantly.

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  • Joel    Feb 14, 2019

    First and fore most thing to say that I'm so grateful for your continued support as l grow my business.I used my last loan to buy a motorcycle that helped me alot to reach many farmers in remote areas where road infrastructure is a challenge.This resulted in profit rise by approximately 10%.I was able to compete well with other businesses as I had an advantage of accessing many farmers who they have not been reached before.Thanks you once again and May God bless you abundantly.

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  • Joel    Jan 29, 2017

    Hello Zidisha team. Due to adverse weather conditions in my locality and most parts of my country,I have decided to reduce my installment amount from $38 to $25.The drought that has affected my area has significantly impacted my agrovet shop business as agricultural activities have reduced hence decrease in sales of farm inputs,agrochemicals,farm tools and equipment,etc.
    The net profit also dropped by approximately 30% hence necessitated the move.I will increase the installment amount once the weather conditions improve as we are expecting long time rains as from April.
    Thank you and may God bless you.

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  • Joel    Sep 30, 2016

    Hi lenders.I have received the loan that is $970.89 and I'm very grateful for your continuous support.I'm now planning to buy the motorcycle soon and I am confident that it will be of great help to me and also many farmers in my community who had to travel for long distances looking for agricultural inputs and services.
    I once again thank you for supporting me since my first project which all of them were very successful.May God richly bless you.

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  • Joel    Sep 28, 2016

    Hello lenders.I sincerely appreciate for your generous funding.The loan together with my personal saving which is approximately $110 will be enough for me to buy a motorcycle that will help me transport farm inputs to farmers hence reaching many farmers.I am confident that my sales will rise and my business will grow.
    Thank you once again and may God richly bless you.

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  • Joel    Sep 3, 2016

    Hi lenders.This is how much stock in my agrovet shop has increased because of your generous funding.

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