Buying a concrete mixer for hire

Timothy

Ruiru, Kenya

100% repaid

Entrepreneur

Name

Timothy

Member since

November 2014

On-time repayments

54 installments  •  48%

About Me

I'm the 4th born in a family of 5 brothers and a diploma holder in computer engineering. Having looked for job in almost 3 years unsuccessfully, I ventured into construction as a manual laborer, moved from there and become a foreman. I then started taking small time contracts where I hire workers and take on small contracts. I mainly deal with fixing windows in new constructed buildings.

Besides being a small contractor I am a father to one loved daughter and a born again christian.

My Business

I deal with fixing windows in newly constructed buildings and also i put window Grills using Clome pipes materials.New fashions of buildings are coming up,hence calling up for new styles of windows and me being a professional in fixing windows I chose the job.The kind of windows I fix are more beautiful and more secure. I mainly charge depending on the size of the building and size of windows. I have one full-time employee and hire others depending on the availability of the jobs.

During peak months, I make up to $ 1,050 but there are months I make as little as $ 400 during low seasons.
My costs depend on the magnitude of the job and involves buying glasses, putty,Clomes and other add-ons that are needed to fix windows. I use the money gotten to pay my employees,domestic use and re-invest in the business by buying equipments. Also I have engaged in tree planting program at our nearby forest in the village where I come from.

Loan Proposal

Hello Lenders,

This is my second loan and before I even go any further, I must thank you for the first loan. I'm certainly not the way I was before the Zidisha. On my second loan, I am planning to buy a mixer for hire. As I go round fixing window in various sites, I have noticed that most of my clients have to hire concrete mixers as the construction goes on. I want to seize my customer base and referrals that I have been getting lately to offer concrete hiring services. In addition to fixing windows, I will now be hiring the mixer to the sites that I will be offering my services. This will not only increase my profits but will also be another opportunity to offer employment to yet another jobless Kenyan just like I did with my first loan. Thank you for trusting me and just like before, I will pay in back in good time.


Regards

Timothy Njoroge

Feedback

None

None

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Loan Info

Project Type

Classic Loan

Disbursed amount

$141.00

Date disbursed

Mar 30, 2015

Repayment status

On Time

Projected term

3 months

Lenders

W

WilsonLending

Atlanta, United States

S

snowcrystal86

New York, United States

E

Emilie

Toronto, Canada

lorrymac

Killough, United Kingdom

C

cgrumboski

Atlanta, United States

M

mogensh

København V, Denmark

tmisch

San Jose, California, United States

Apmay

Melbourne, Australia

S

stevetanner

Geneva, Switzerland

P

pillepalle

Osnabrück, Germany

Jouni

Finland

T

tuttifrutti

tulare, United States

V

Valis

Singapore, Singapore

Travis

Canada

D

dpvidal

Eindhoven, Netherlands

P

peaceandcarrots

Hilltop, United States

S

SnifferTheBunny

Brighton, United Kingdom

M

Mieli

Kotka, Finland

T

TodaRaba

Tacoma, United States

ibc123

Seattle, United States

E

elkocsis

Kirkland, United States

B

BenHittle

Salem, United States

SP

Scott Palmer

branford, United States

T

thebonseung

Republic of Korea

C

chrishol

United States

T

tlbtlbtlb

United States

D

dfreire

Portugal

K

Kimbo

Vietnam

mepster

San Francisco, Ca, United States

VK

Vasily Kudrin

Moscow, Russia

M

Medagan

San Franciso, United States

S

Schwartz

United States

M

mcgeefamilyny

United States

T

Tony1

Australia

matt carroll

London, United Kingdom, United Kingdom

E

Erich

Zurich, Switzerland

EL

Erik Lönnroth

United Kingdom

MJ

Matt Jenkins

United Kingdom

Lauren

United Kingdom

HW

Hans Weiss

Kiel, in the very north of Germany, Germany

Jerome

Switzerland

MH

Meghan Hughes

United States

Elly

Woudrichem, United Kingdom

AC

Adam Cameron

United Kingdom

SA

Scott Astrada

United States

BS

Bart Sturm

Amsterdam, Brazil

SK

Sunghwan Kim

Republic of Korea

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  • Francis    May 10, 2016

    hello Andyfletcher, i have been communicating with Timothy and as i had informed earlier he says he developed some complications and has not been well as expected. this is what makes him unable to repay but has promised despite this he will all the best and resume repayments this month. am wishing timothy the quickest recovery.

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  • Francis    Feb 5, 2016

    Hallo lenders? i have spoken at length with Timothy and unfortunately I discovered that he suffered some tongue he had some tongue problems which forced him to be given tongue operation. this made him financially down disabling him from repaying. however, the happy thing is that he has recovered and is back to normal. He is also resuming his business next week and he has promised to repay the loan the soonest possible. wishing him all the best.

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  • Francis    Dec 1, 2015

    dear lenders timothy seems to be committed to repay his loan. he has informed me that the rains being experienced in Kenya have made him fail to repay his installments as scheduled as his industry has been greatly affected. however he has promised in 7days time he will have resumed his payments. lets wish him all the best in his business.

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    • andyfletcher    Dec 22, 2015

      Hello Francis,
      Do you have any more news of Timothy, as he does not seem to have made any payments yet? Thank you.

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  • Timothy    Nov 2, 2015

    Thank you lenders for lendending me,am planning to buy clome pipe and drill that are on demand for my business,The loan will help me buy them ready for my client.thank you very much Timothy.

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  • Timothy    Oct 5, 2015

    Hallo? my lenders please review my loan proposal before it expires,
    kindly,
    Timothy

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  • Elly    Jul 21, 2015

    How exciting, Timothy. Do let us know how you are applying your new knowledge in your business.

    You are doing great! :-)

    Elly

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    • Timothy    Aug 11, 2015

      Hallo Elly. I have struggled hard till my concrete mixer is now back to work. The spare parts have taken quit some time to find but i have succeeded. The Mixer was stolen and luckily i recovered it though some parts were removed. After all that i am well in business and thank you to all Lenders for being besides me,all that time.

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    • Timothy    Oct 6, 2015

      Hallo Elly. I am doing well in business and I have expanded it by starting to fix window Grills after fixing windows. I have posted another loan and am looking forward for your support. Thank you.

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  • Timothy    Jul 21, 2015

    Hallo Lenders. I attended a business seminar last week and i learn a lot about entrepreneurship. I happened to meet different investors of different kind. I felt so encouraged in doing business despite the challenges,so longer as i be sure of it and be focused. We were taught a lot and given a chance to interact with each other. Am hoping to use the knowledge in my business.

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  • Timothy    Jul 12, 2015

    My lenders am still working hand for the concrete mixer to be functional once again,however my business of window fixing is sustaining me to pay my loan,rent ,workersand other bills.Thank you for being patient with me.

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  • Timothy    Jul 12, 2015

    Thank you Elly for your encouragement.Am still working hard.

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  • Elly    Jun 14, 2015

    Thank you for your message, Timothy.
    Setbacks are part of all our journeys. Just keep going! :-)
    Wishing you all the best for the success of your business.
    Elly

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  • Timothy    Jun 12, 2015

    Thank you lenders for bearing with me for the delay in my payment. I had a bad lack and those people who harvest where they did not sow, stole my concrete mixer. Luckily I have recovered it back but unfortunately some parts have been removed, though am working on the replacement. I believe very soon it will be functional. With my usual business of window fixing and fittings it will enable me pay my loan on time and also proceed with other expenses. Thank you for being patient with me.

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  • Evans    May 9, 2015

    i have just called Timothy Njoroge who happened to have had problems as some of his equipment was stolen but has promised to repay on Monday 11th May 2015. Baya

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    • Timothy    Oct 6, 2015

      How are doing Evans? I am still in business and I have posted a new loan. 2 days to go and still at 0%. Please advice.

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  • Timothy    Apr 8, 2015

    Dear Lenders,i received 13518KES. The money has helped me greatly,since i managed to buy a second-hand ballast mixture,worth 25000KES. It's machine which is so rewarding in places of constructions where i usually work on. I am so happy for your kindness and am looking forward to pay the money without hesitation. Thank you very much..

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  • Timothy    Mar 25, 2015

    Thank you for lending me the first loan, which I have now cleared already. It has really changed my business and my life. I have been able to buy the materials and offering my services on time. I have also managed to take my wife to a driving school. It has been rewarding and hence, felt the need to request for another loan. I have been receiving clients from different places and this is making see the business growing fast.

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  • Timothy    Mar 18, 2015

    The first loan was so helpful to me. Apart from taking my lifestyle a notch higher, I was able to employ one more youth and given them a chance to change their lives too.

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