Buying hay and dairy meal (bulk) for cow

Jane Ndembei

Lanet, Kenya

100% repaid

Entrepreneur

Name

Jane Ndembei

Member since

February 2015

On-time repayments

210 installments  •  63%

About Me

I am Jane Wangari Nbembei, born on Christmas day of the year 1980 in Nyeri county. Born in a family of four, two boys and two girls. The last born died in the 2004.

Our childhood had a lot of challenges because our parents separated and our father left us under the care of our mother. And since she could not afford to pay for our education, she took the three of us in a children's home. Our young brother remained with her because he was too young to be left in a home.

In that home, we underwent through a lot of challenges because the funds that were supposed to benefit the needy children ended up in pockets of a few individuals. But when the donors were coming to visit, we were given new clothes and new beddings as a cover up. Life was difficult, but all the same we managed to go through schooling up to grade 8.

I am married and we have four children, two in high school and one in primary and the last one has not joined school yet. My husband bought me a dairy cow so that I can manage it to assist us with some expenses. Since I got it, I have learned a lot about dairy cows. When free, I find more satisfaction in at least helping even one person, maybe with some work or even advice on what I know.

My Business

Dairy business is very challenging, especially during the dry season. It is the first dry season I have the cow and I was not well prepared for it. The production has dropped drastically because I don't have enough hay. Milk production has come down up to four liters a day from what I used to get: before the drought was seven liters a day. Milk is always in great demand, especially in the dry season, and we fetch a good price.

A liter goes for Kshs. 50, so four liters gets kshs. 200, and the cost that I use per day is kshs. 150.

If I happen to get funded, I can channel the whole amount into buying hay because if I do it in bulk, I will get a cheaper deal which will increase my profit.

Loan Proposal

Since we are experiencing drought, I don't have enough grass to feed my cow. A bale will cost me about 3.40 USD, but if I buy ten and above it will cost me 2.84 USD.
Therefore, I am planning to buy:
22 bales of hay @ 2.84 USD, which will total to 62.48 USD
2 bags of Dairy meal @ 20.45 USD, which will total to 40.90 USD

The Total will be 103.39 USD

I will increase my profit from 0.57 USD per day from the sale of milk to 1.14 USD per day. With the best quality dairy meal, I am expecting to also boost the production, which will translate to more profits.

Show original English  

About Me

I am Jane Wangari Nbembei, born on Christmass day of the year 1980 in Nyeri county. Born in a family of four, two boys and two girls. The last born died in the 2004.
Our childhood had a lot of challenges because our parents separated and our father left us under the care of our mother. And since she could not afford to pay for our education, she took the three of us in a children's home. Our young brother remained with her because he was too young to be left in a home.

In that home, we underwent through a lot of challenges because the funds that were supposed to benefit the needy children ended up in pockets of a few individuals. But when the donors were coming to visit, we were given new clothes and new beddings as a cover up. Life was difficult, but all the same we managed to go through schooling up to grade 8.

Am married and we have four children, two in high school and one in primary and the last one has not joined school yet. My husband bought me a dairy cow so that I can manage it to assist us with some expenses. Since I got it, I have learned a lot about dairy cows. When free, I find more satisfaction in at least helping even one person, may be with some work or even advice on what I know.

My Business

I started chicken eggs business after my Dairy Cow was running at a loss. This business is good because I also have some chickens that am raising and when they start laying am planning to grow this business.

On average I am able to sell 30 trays of eggs per week therefore making a profit of USD 15 per week. Am using this profit to help buy for my children some things they require in school and cultivate the rest into the business. am planning with time to grow this business and start selling eggs in a whole sale in other towns apart from the one we are in.

Am planning when this business grows to in co-operate it with raising chicken so that I can sell eggs from my own butch which will maximize the profit. Hope to grow step by step with Zidisha in this journey.

Loan Proposal

Since we are experiencing drought, I don't have enough grass to feed my cow. A bale will cost me about 3.4 USD but if I buy ten and above it will cost me 2.84 USD .
Therefore I am planning to buy;
22 bales of hay @ 2.84 USD which will total to 62.48 USD
2 bags of Dairy meal @ 20.45 USD will total to 40.9 USD

The Total will be 103.39 USD

I will increase my profit from 0.57 USD per day from the sale of milk to 1.14 USD per day. With the best quality Dairy meal am expecting to also boost the production which will translate to more profits.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$100.38

Date disbursed

Feb 28, 2015

Repayment status

On Time

Projected term

15 months

Cost to entrepreneur

Lender interest: $100.38 at 1.40% annual rate over 15 months = $1.81

Service fee: $4.85

Lenders

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A

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P

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D

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E

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B

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J

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A

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A

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D

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G

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A

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T

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P

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Sanford, United States

F

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mepster

San Francisco, Ca, United States

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