Seeds and agrochemicals for maize, beans and sorghum

Rosemary

Buduta, Kenya

100% repaid

Entrepreneur

Name

Rosemary

Member since

March 2014

On-time repayments

267 installments  •  23%

About Me

Rosemary manga is number five in a family of eight. Being a humble family unfortunately our father died a long time ago while i was in form 2 at Eregi girls high school. Because of school fees had to change school and joined Bukaya secondary school. Our Elder brother being the only Mature figure around took over all the responsibilities as a father.
Though thick and thin finished high school and joined a nursing school graduated and now a nurse at Buduta dispensary in Samia district in Busia county.
To shelve my brother of some responsibilities I started a small business where I lease farms plant cereals and sell the harvest. I also buy on wholesale and sale on retail at my local store at Bukiri. The profit received is used to purchase more stock and the extra used to support my young siblings in paying school fees.

My Business

My store deals in buying on wholesale ans selling on retail.We also sell our cereals directly from our leased farms.
the cereals include - Beans, Maize,Sorghum, millet, rice, soya beans etc.
On demand a sack of maize goes at 2000/= on wholesale. retail price is about 3200/= here a profit of 1200/= is realized, so if you purchase fifty bags at the same price and sell at retail price then the profit is 60000/=.
For any business a profit of 60000 after a short period of time is paramount.
This loan will help me expand my area of operation and also assist me achieve my goal. I want to use this second loan to weed for the second time and also add manure to the crops to add value. This is also in preparation to harvesting beens and buying on wholesale from other famers to stock my cereals shop. This is my second loan.

Loan Proposal

Given the nature of my business, a time like this we lease farms and plant maize, beans and sorghum. when they mature the harvest is used to stock my cereal shop. during the same time I also buy from other famers cereals at wholesale price and in turn sale at retail when prices go up.
During this time the business is good as people buy cereals as seeds this will go on for like to months when people will be through with planting season.
I will use the loan to organise planting activities on my leased farm.

Feedback

7

None

None



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Loan Info

Project Type

Classic Loan

Disbursed amount

$50.00

Date disbursed

Mar 28, 2014

Repayment status

On Time

Projected term

5 weeks

Lenders

JimVandegriff

Trinidad, California, United States

A

alexvanandel

Haarlemmermeer, Netherlands

M

marymarrs

North Bend, United States

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

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  • Rosemary    May 19, 2019

    kindly allow me just do the above for now will correct immidiately

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  • Rosemary    Dec 30, 2018

    had lost my login credentials

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  • Rosemary    Feb 12, 2017

    My loan is in arrears and due to having updated my finacial records want to pick up and maintain an upward ontime repayments. Thanks.

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  • Rosemary    Sep 7, 2016

    Determined to clear my loan. Will increase this installment to a higher amouunt soon.

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  • Rosemary    Jun 27, 2016

    kindly just to update my payments and to move out of late repayments status.

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  • Rosemary    Apr 26, 2016

    Just to update my account to be back on track. Sorry for the inconveniences.

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  • Rosemary    Mar 5, 2016

    Kindly back to track.

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  • Rosemary    Dec 22, 2015

    Allow me to continue paying the normal amount av been paying to avoid getting into arrears again.

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  • Rosemary    Oct 16, 2015

    Kindly am reorganizing my self and this is for a short while. I assure you that trust me.

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  • Rosemary    Sep 12, 2015

    Due to inconveniences and personal troubles av not been able to pay in time my loan but will work hard to be through with it in due course.

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  • Rosemary    Aug 8, 2015

    Kindly am in arrears and opted to reschedule to keep up the normal rate Will maintain thanks alot.

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  • David    Aug 1, 2015

    Hello lenders,
    About rosemary
    I visited her personally and talked to her, looking at her records I realized she has done her best despite a series of problems that came her way.
    I advised her rescheduling as many times as she can to avoid getting into arrears. She has also picked up well and she promised to reschedule her loan to come out of arrears.
    She also promised to pay in something to be up with her payments.
    Will stiil follow up since I can trace her.

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  • Rosemary    Jun 23, 2015

    Whatever the case I must use all means to repay my loan trust me lenders.

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  • Rosemary    Jun 9, 2015

    I don`t want to annoy my lenders by being in arrears once more. Allow me reschedule my loan to maintain on time payments.

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    • Alex Graniere    Jun 9, 2015

      Hi Rosemary,

      If you need to temporarily reduce your installment to an amount you can afford to pay right now, please go ahead and make that small payment. To do this, please log into your Zidisha account and click on "Adjust Installment Amount," and follow the instructions there. You may then increase your installment again when you are able.

      Regards,
      Alex, Zidisha Team

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  • Barnabas    Jun 8, 2015

    Hello!
    Evening mum i have a colleague who have been an active member of the Zidisha but when the system changed its way of logging in she cant since the mail that she used was blocked and she cant remember it so she was requesting you help her recover her email so she can asses her account her name is Seraphine Amukulon Otwani of 0720656568

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  • Rosemary    May 19, 2015

    Due to accrued installments. I move to paying 1000 to get out of arrears.

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    • beckynagel    May 24, 2015

      Glad you were able to make arrangements Rosemary. Hope everything is going better for you. I hope that you are feeling better!

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      • Rosemary    Jun 9, 2015

        Thanks very much for your concern Beckynagel, actually life has been tough but I thank God that everything is normalizing now. My family and I are fine and getting on well.
        Nice to hear from you beckynagel
        Thanks.

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  • David    Apr 21, 2015

    Hello lenders,
    I had talked to rosemary manga and She has rescheduled her loan and also told me she had made some payments. Hopefully if the payment is effected she should be out of arrears.
    Otherwise she had problems and she is picking well.

    David Odindo
    Vm kenya.

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  • Rosemary    Apr 20, 2015

    I decided to reschedule my loan to come out of arrears and to update my payments to date.
    Thanks a lot for being there for me.

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  • Rosemary    Apr 10, 2015

    Dear lenders,
    Life has been too challenging but My trust in God believ will not let me down.
    I have missed one payment though don't want to reschedule unless am forced to. Otherwise be a little patient as I reorganize to pay in something small to clear my arrears the soonest.
    The following are photos of my current situation since my condition has been on and off but I believe they are with time going to end.

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  • Rosemary    Mar 22, 2015

    Dear lenders,
    It is long time since I came off track. I want to say sorry for the inconveniences I have cost you . and I thank God am a bit fair now. Want to try my best to keep up the spirit and repay my loan as scheduled. Please don`t do away with me I trust God will help me be steady.

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