Buy new clothes to sale in my retail shop for ramadhan holiday because of the high demand

Hellen Ngeiywo

Mombasa Island, Kenya

50% repaid

Entrepreneur

Name

Hellen Ngeiywo

Member since

April 2014

On-time repayments

91 installments  •  49%

About Me

I am Hellen Ngeiywo Chepkwemoi. I was born and brought up in western province, mt elgon district kaptalelio village. i was born in a family of three kids, one girl who is myself and two boys. I am a mother of one. I schooled in kaptalelio primary school and st columban's kitale which i was forced to drop out in form 2 due to lack of funds. i later managed to finish kcse as a private adult student. I started my business inorder to earn a living as well as bring up my baby.

My Business

Hallo my lenders, here i come again for my second loan. Am very grateful for every lender who made it possible for me to get my first loan which has really improved my sales and profit margins. i could not thank you enough but i am really thankful.through that loan i have been able to satisfy the demand that was there.

Loan Proposal

the demand for clothes is high because of the upcoming Eid celebrations. apart from what i sale most that is mostly food items i also try to go for what is currently in great demand. Therefore i will use $550 to buy the clothes and the rest to buy children's shoes. These purchases will enable me to make good profits hence enabling me to repay my loan on time like the first one hence changing my life. kindly my lenders i ask for your generous contribution to make my dreams come true.

Feedback

2

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Loan Info

Project Type

Classic Loan

Disbursed amount

$444.97

Date disbursed

Jul 1, 2014

Repayment status

Late

Projected term

20 months

Cost to entrepreneur

Lender interest: $444.97 at 4.89% annual rate over 20 months = $35.99

Service fee: $26.28

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  • Hellen Ngeiywo    Sep 27, 2015

    Due to unavoidable circumstances I would like to resedule my payment plan to enable me pay in bits and on time. This has been due to a financial crisis that I have been facing lately but I thank God because the high Season is here already and I can now guarantee repaying my loan in time and with much ease. Thanks for bearing with me.

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  • Hellen Ngeiywo    Sep 12, 2015

    Hi Andreas,

    I thanks for your message. I have been in z financial crisis thats why i have been into arrears but trudt me zm working on the best way to clear my arrears soonest. kindly bear with mr. thanks

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    • Laparo    Sep 13, 2015

      Is their anything the community can do for you?

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      • Hellen Ngeiywo    Sep 27, 2015

        Thanks for your concern but I am now totally okey but I am resedulling my payment plan to enable me pay in bits that I can comfortably afford.Thanks for your patience and understanding.

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  • Laparo    Aug 21, 2015

    Hi Helen,

    Thanks for your plan to repay on time. Reviewing the repayment schedule, I still find outstanding installments. When will your clear the loan then?
    Kind regards
    Andreas

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  • Hellen Ngeiywo    Jul 23, 2015

    Hi zidisha family my sandle business is working out well and thus I would to repay my loan and clear it on time to enable credit availability for other borrowers so that they can also benefit like me. Thank you.

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  • Hellen Ngeiywo    Jul 3, 2015

    Dear zidisha family, I am very sorry for my late repayment. I live with my five siblings and one of them just joined high school. This has really put me down financially since our dad died when I was only five years old. The business has not been working out well too. I am currently trying to engage in maasai sandles, vikois, lessos and baskets which are more profitable and soon am hoping to clear my balance. Thnx for understanding.

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  • Hellen Ngeiywo    May 6, 2015

    My dear lenders. It has been quit tough on my side but thankfully am recooping now.last week i received orders of kids clothes and ladies sandles amounting to ksh 30000. The orders have enabled me to get a profit of ksh 8000. I have therefore cleared my arears and from next week 12/5/2015 i have rescheduled my paymenys to 2500 weekily. Thanks for your patience.

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    • guenter    May 9, 2015

      Dear Hellen, thank you for your message, really appreciated!! I wish you many luck.

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  • Hellen Ngeiywo    May 6, 2015

    Hi dear zidisha familly, am happy to inform you that despite the challenges i have been facing in my business i recently received orders from clients of kids clothes and ladies shoes the orders were of a total of ksh 30000 and this has made me able to clear my arrears today in the mrng 5:30 EAT and hence fourth i will be paying 2500 ksh weekily to complete my loan on time. Thanx for your continued support.

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  • Hellen Ngeiywo    Apr 13, 2015

    Hi zidisha family. Thank you for the support you have given me so far. Despite the challenges that I have been facing my business is slowly rising. I managed to clear the hospital bill and my profit is now slowly rising up the margin. Thanks for the loan my family is happy and greatful. I normally stay with four cousins who are orphaned and thanks for your support they are all schooling. I am also completing my diploma in project planning and management in may 2015. I promise to keep you posted on any other events. stay blessed.

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    • Laparo    May 1, 2015

      Hi Hellen,
      thanks of sharing and I wish you all the best for your family and your business. Please keep us updated on your progress. It opens up new opportunities.

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  • Hellen Ngeiywo    Feb 7, 2015

    I have been seriously ill. This led to my addmission and despite the sales being made i have been forced to spend the money to pay the hospital bills. Am trully sorry but i promise to catch up with the payments as agreed. Thanx and sorry for the inconvinience caused.

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    • Laparo    Feb 7, 2015

      All the best for your recovery Hellen. Please share with us any news about it.

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  • Hellen Ngeiywo    Jan 27, 2015

    Dear lenders am trully sorry for my late payments. I have been in and out of hospital thats why i have not been able to make the payments on time but i promise to cover up. thanks in advance.

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  • Hellen Ngeiywo    Nov 12, 2014

    Hi Laparo,

    Thank you for responding am glad that atlast it has reflected.

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  • Laparo    Nov 11, 2014

    Hi Hellen,

    today, I received a payment from you. Is your request beloved answered then?

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  • Hellen Ngeiywo    Nov 8, 2014

    Hi zidisha am not happy at all. Am even wondering if i have a volunteer mentor. This is because i have been posting querries but but no one has been responding. I made a loan. payment of 400 ksh on 4/11/2014 and i have not received any confirmations to date i am meant to understand that it takes 3days to be credited into my account but now am shocked! Could somebody explain this to me?

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  • Hellen Ngeiywo    Nov 8, 2014

    Hallo dear lenders my business is doing pretty well. The festive season has already begun here in Kenya and peeople are really buying than ever before. i therefore feel i should also make you happy by repaying on time and enabling other people get more funds. thank you so much for your patience and continued support. best of luck in your endavour.

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  • Hellen Ngeiywo    Oct 24, 2014

    Hallo zidisha family, i made a loan repayment on 22/10/2014 and i got a confirmation message yesterday bt the repayment rate has not changed and stil stands at 25 percent which was the previous one. Anyone who might help me out i would really appreciate. Thanks.

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  • Hellen Ngeiywo    Sep 17, 2014

    To anyone who might be of help to me, i made a payment of kshs 1748 on friday last week and another payment of kshs 400 on tuesday until now the money has not reflected into my account and i kindly request to know what the problem could be.

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  • Hellen Ngeiywo    Sep 16, 2014

    Hi lenders the two weeks that i was not feeling well have affected my business abit.During the period i had to shut down the business because i dont gave anyone to help me for now. With regard to that i therefore wish to reschedule my payments for the time being then when things get better i will keep on paying the amount i suggested earlier please bear with me.

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  • Hellen Ngeiywo    Sep 13, 2014

    Hallo my lenders, It is with deep regret that i wish to apologise for my late payment in the past two installments. I was not feeling well during the period and i couldnt go to open my business. That made my ontime paument rate to drop but to make sure i keep my promise i cleared the past due balance yesterday and it is yet to reflect. Therefore i humbly ask for your understanding. Thanks in advance.

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    • guenter    Sep 13, 2014

      Dear Hellen, thank you for your message. I hope you are feeling better now!
      Have a good time,
      guenter

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  • Hellen Ngeiywo    Jul 18, 2014

    Hi lenders i really wish to thank you again for making my dreams come come true. thanks for you generous contribution i managed to purchase the following items and my business is really doing well thanks for zidisha lenders

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  • John Ochieng` Wasike    Jul 4, 2014

    congrats Hellen

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