Buy new stock of clothes and pay school fees for my siblings

Janet Thoya

Kibaoni, Kenya

100% repaid



Janet Thoya

Member since

April 2015

On-time repayments

93 installments  •  78%

About Me

My name is Janet Thoya. I am a third born in a family of eight . My childhood education was faced with a series of challenges ranging from social to economic challenges.
I lost my father when I was hardly ten years of age.
This became the root of my challenges in education and life in general. My elder sisters were forced to drop out of school to help my mum working for wages in order to provide for our basic needs.
Currently I live with my mum and my
little siblings. My elder sisters are married so my mum and I are the only hope for these kids.
Amid these challenges I learnt several skills including dress making, knitting and hair dressing. From the little we made in daily basis I managed to save a little so as to start my business. Finally I raised $25.00 and started my small business of sewing clothes.
One thing I like about our culture is that the people value and appreciate skills and talents.
I would like to raise my future children to be responsible persons in my society and in the world at large.
My hobby is singing and I was chosen as a youth choir leader in my local church. I also like interacting with nature especially the ocean. During my free time I go to the beach and enjoy the breeze.

My Business

My business is producing and selling clothing as well as repairing torn clothes in my village.
Clothes have a high demand as they are basic needs to human beings. More often I make school children uniform because they are on high demand.
On the other hand, those who cannot afford new clothes bring their old torn clothes for repair.
I chose this business because I found that I could start with small capital and it had a high demand among the local people.
Currently, the total cost is $50.00 and I make $3.00 a day.
I pay rent of $1.00 daily and walk home with $2.00.
I use $1.00 for food in the family daily and save $1.00 every day which I in turn use it to pay school fees for my little siblings. I hardly have enough to expand my business. Its my mother who help me marketing the products.

Loan Proposal

When I get this loan I will use it to purchase a new stock of clothes materials which I will use to make school uniforms and other dressings as per the customers' desire.
I will also buy a stock of ready made clothes which also I have noted that they are on higher demand.
Furthermore , I will use part of my loan to pay school fees for my siblings, one in polytechnic college, another in high school and another one in primary school.
I will also buy lubricating oil, needles and threads for my sewing machine.
Clothes materials Ksh.10,000
Ready made clothes Ksh. 10,000
School fees Ksh. 10,000
Oil, needles & threads Ksh 4,000





  • Day Family    Feb 23, 2019

    Unfortunately a loan of over $700 was not repaid 2 years after due, with no updates from the borrower despite follow ups from mentors.

    Log in to reply • Share


Loan Info

Project Type

Classic Loan

Disbursed amount


Date disbursed

Dec 21, 2015

Repayment status

On Time

Projected term

3 months

Cost to entrepreneur

Service fee: $14.18



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