Buying beverage products for resale

Caroline

Ndiru Kagan, Kenya

100% repaid

Entrepreneur

Name

Caroline

Member since

August 2017

On-time repayments

86 installments  •  77%

About Me

I am Caroline Auma Ochieng born in 1983 in Karachuonyo next to Kendu Bay town in Homa Bay county. I went to Gendia primary and did my kcpe examination in 1994. I failed and got poor grade which made it hard for me to join secondary education. I got married in 1998 and God the creator blessed me with four children,three boys and a girl.The first child is a girl who is in secondary school form two and in future she would like to be a teacher, the second child is a boy who is in primary school class seven and he is hoping to be a doctor, the third child is in class four and he would like to be also a doctor in future and the last is in class two and he would like to be a police officer. In Ndiru East kagan,there is adequate rainfall which is good for agricultural activities eg.farming, cattle keeping, poultry and suitable for business. Our village borders Kisii community which has undulating features which attacks domestic and foreign tourists. In the course of time, my family increased and required a lot of food,good clothes, school fee and other needs which made me to start a small business of roasting maize,ground nuts and selling of beverages like coffee and milk tea next to construction sites for workers to gain profit.During my free time, I goes to church, read bible, magazines and novels.

My Business

My husband had little income which could not cater for the family needs.He gave me KES 500/= plus little savings I had,I started this business of roasting maize and selling hot coffee to obtain profit. It is seven months since I began this business. With the income I got and savings of my husband helped us to pay secondary school fee,primary school fee for the small children, improving family standard,purchase of clothes, settling of various business and family bills,improving business, building of nice shelters for family members and catering of other secondary family and business requirements. This business is always good mostly in the afternoon and evening hours as there is always rush time.

Loan Proposal

With the disbursements of this loan, I will buy beverage products like tea leaves, coffee and 2 bunches of tea leaves all at a cost of kshs 2500,payment of school balance for the children at a cost of kshs 3500.This improve living standard of my family, schools fees paid in time and all business and household expenses paid in time. Thank you so much for support provided by good lenders and zidisha platform.

Feedback

1

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None

  • John    Jun 12, 2018

    Thank you so much for paying your loan quickly. I hope everything goes well for you.
    Best Wishes
    John

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    • Caroline    Jun 14, 2018

      Thank you so much lovely lender,Mr John. I finished paying last loan. Please, support me to uplift business and family status.

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    • Caroline    Jun 26, 2018

      My zidisha lenders, kindly support my business to increase my financial status,uplift living standard and educate children for the good of the future.

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    • Caroline    Jun 27, 2018

      Thanks so much Mr.John for financial support provided previously and you can still do the same.You made me proud and eager to think positively towards improvement of my business and the lives of my children. Thanks. Kindly support me again. Good day.

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      • Caroline    Jun 27, 2018

        Thanks so much Mr Robin Karlson for supporting me financially to progress in my business. May God the Creator bless you abundantly. Bye.

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Loan Info

Project Type

Classic Loan

Disbursed amount

$69.00

Date disbursed

Aug 23, 2019

Repayment status

On Time

Projected term

6 weeks

Lenders

Stefano Bertolo

Luxembourg, Luxembourg

World Centric

Sonoma County, California, United States

M

Maria

Germany

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  • Caroline    Mar 11, 2020

    I was. MuCh grateful for the last Loan you have given me

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  • Caroline    Aug 22, 2019

    Proposal

    With the disbursements of this loan, I will buy beverage products like tea leaves, coffee and 2 bunches of tea leaves all at a cost of kshs 2500,payment of school balance for the children at a cost of kshs 3500.This improve living standard of my family, schools fees paid in time and all business and household expenses paid in time. Thank you so much for support provided by good lenders and zidisha platform.

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  • Caroline    Aug 20, 2019

    With the disbursement of the loan, I paid school fees arrears for the primary students at a cost of KES. 2000/=,i bought beverages products like tea leaves, good quantity of maize for roasting, some crates of breads,few mandazi,some packets of biscuits and other required items of the business all at a cost of KES. 4500/=.All purchases improved status of business, improved living standard of family members, vital needs provided for the family and all business expenses catered adequately.

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  • Caroline    Jul 1, 2019

    With the disbursement of this loan, I will pay school fees arrears for the primary students at a cost of KES. 2000/=, buying beverages products like tea leaves, good quantity of maize for roasting, some crates of breads,few mandazi,some packets of biscuits and other required items of the business all at a cost of KES. 4500/=.All purchases will improve status of business, improve living standard of family members, vital needs will be provided for the family and all business expenses will be catered adequately. Thanks so much for financial support provided by zidisha team and entire good caring lenders to correct my future.

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  • Caroline    Jul 1, 2019

    Disbursement of last loan helped in payment of school fees for the two children in secondary schools form three and form one and two other children in primary school respectively at a cost of KES 30000,purchase of business goods like sugar,tea leaves, new thermos flask,a sack of fresh maize for roasting, a packet of coffee, a dozen of cups,spoons,plates, and trays for serving tea to customers and other available beverages all at a cost of KES 4850. This business definitely aided in paying school fees for the children at schools, provision of food to family members, clothes, payment of bills and other expenses.It also increased business financial income by 50% and automatically improved living standard of family members.Thanks so much for the financial support provided by zidisha platform and lovely zidisha lenders. Kindly help me to progress in future dates.Thanks.

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  • Caroline    Feb 26, 2019

    Due to reduction of customers I can't manage to pay the indicated installment

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  • Caroline    Feb 9, 2019

    I would like to reduce installment because at this moment customers who were selling maize for roasting to me are complaining about drought at this moment.

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  • Caroline    Jan 27, 2019

    There are slight reduction in daily income, payment of school fees and increase in daily food consumption.

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  • Caroline    Jan 26, 2019

    Increase in drought leads to less supply of agricultural products like maize and other horticultural products.

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  • Joshua    Dec 2, 2018

    I have talked to her about paying her over due and she accepted to pay

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  • Caroline    Sep 29, 2018

    Due to economic recession and increase in drought in the country Kenya, there's less supplies of maize,sugar price increased and commodities used in the business also increased by the government of Kenya.

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  • Caroline    Aug 17, 2018

    Reduction in supply of fresh green maize for roasting, dry spell and emergence of drought leads to lack of some beverage products .

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  • J    Aug 11, 2018

    Dear Caroline

    You can create a support ticket using the help menu (www.zidisha.org/borrower/help).

    Kind regards,
    Joost
    Team Zidisha

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  • Caroline    Aug 11, 2018

    Zidisha team, I would like to create help profile. Please help me to create help comment section and use it to communicate to you and solve forth coming issues. Secondly, my Zidisha account profile does not show loan adjustment section, kindly fix it and update my account so that i can change it due to current financial difficulties and maintain on time loan payments. Thanks.

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  • Caroline    Aug 11, 2018

    Amount disbursed help in payment of school fees for the two children in secondary schools form three and form one and two other children in primary school respectively at a cost of KES 30000,purchase of business goods like sugar,tea leaves, new thermos flask,a sack of fresh maize for roasting, a packet of coffee, a dozen of cups,spoons,plates, and trays for serving tea to customers and other available beverages all at a cost of KES 4850.The gradual progress of this business and profit made helped in paying school fees for the children at schools, provision of food to family members, clothes, payment of bills and other expenses. This will increase business financial income by 50% and automatically improve living standard of family members.Thanks so much for the financial support provided by zidisha platform and lovely zidisha lenders. Help me to progress in future dates. Thanks so much Zidisha. I would like to adjust payments due to financial difficulties, so create adjustment icon in my Zidisha account. It's not there.

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  • Samson    Aug 10, 2018

    Caroline is very positive about zidisha and she has promised to keep on time payment

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  • Caroline    Jun 30, 2018

    Disbursement of this loan will help in payment of school fees for the two children in secondary schools form three and form one and two other children in primary school respectively at a cost of KES 30000,purchase of business goods like sugar,tea leaves, new thermos flask,a sack of fresh maize for roasting, a packet of coffee, a dozen of cups,spoons,plates, and trays for serving tea to customers and other available beverages all at a cost of KES 4850.The gradual progress of this business will definitely aid in paying school fees for the children at schools, provision of food to family members, clothes, payment of bills and other expenses. This will increase business financial income by 50% and automatically improve living standard of family members.Thanks so much for the financial support provided by zidisha platform and lovely zidisha lenders. Help me to progress in future dates.

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  • Tanvir    Jun 18, 2018

    Good luck Caroline. Tanvir.

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  • Brandon Quinn    Jun 18, 2018

    Best wishes to you and your family.

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  • Caroline    Jun 12, 2018

    Thanks so much lenders for supporting my business and education of children.With the last loan disbursed, I paid school fees for the children in secondary form two and primary class eight, seven and two at a cost of KES 18000/=,also purchased fresh maize for roasting, groundnut,mandazi at a cost of KES 3000/=,Sugar, tea leaves, coffee, thermo flask,a packet of matchbox at a cost of KES 1000/=. These purchases increased my family living standard and income increased by 50% .All business expenses paid and promoting financial status of family.

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