Stephen
Juja, Kenya
100% repaid
Name
Stephen
Member since
February 2015
On-time repayments
144 installments • 72%
I was born in 1990 in a small village interior of Central Kenya in the slopes of Abadere Ranges.I went in the rulal school Known as Ndunyu Njeru primary school in the year 1998 which I completed in the year 2006.You realize I school for nine years instead of 8 irrespective of I being a very brilliant person in class .I was forced to study an extra year due to financial constrains .I have been born in a single family in a family of four and my mother is a peasant business person she could not make to raise money by that time for me to join my secondary education .This became my driving force where I wished and prayed that things one day would be different.An year later I joined secondary school education despite great financial constrains ,God gave me great wisdom and I was able to manage scoring grade to join my university education . It was this time mum sold our only piece of land for me to join school .I could not imagine how it would be with my younger siblings. This gave me a dipper thought of what I would do and support my mum in raising my university fee in the coming years and also support my siblings. I saved Every coin. In second year long vacation, I had raised some about 320 us dollars. I started hocking in the university halls of residence.I did this on evening after my studies when I resumed to studies .God gave me His favor that after a good time I was able to start up a boutique outside the university which I am running to this minute.My dream is seeing my younger siblings and mum live a good healthy and comfortable life.
Life Insight.
When free I give social encouragement and spend time with the needy.I have a dream soon I am going to have a children orphanage so that I extend my hand to that needy person out there.My major interest is to see the life of the street children Who I spend much of my time with become different . I invite those of who may be having a heart for the orphans and street children, councelors , and those willing to adopt children between ages of 5 and 12 years to visit me in Juja where currently the numbers of this steet family have realy increased . Some of this children have been negleted by parents who are alcoholics and drug addicts . Its my prayer that my concern shall be consindered. Juja and paticularly Gachororo have been greatly affected by alcoholism and drug abuse. Kindly I invite those of willing heart to come visit and also fund in my campaign of creating drug awareness.
Having been able to raise my university fees support through selling clothes and shoes to my colleagues in the university ,I understood this was also a great investment I could do. I therefore choose my business out of the good return it hand given me as I did it on my part time after classes. Currently I give the following services :- boutique which entails trendy outfits,jewellery,shoes,plastics ,makeups and I also offer tailoring services.
I also now offer mpesa services in two shops. Where I purpose to and beverage such as sodas fresh fruit juice among others.
I pay a rent of 65us dollars per month in one shop and 72us dollars on the other. I also pay 96us dollars for my business permits for the two shops annually.I have two employees and they receive 90us dollars each per month as salary. I also pay an average electricity bill of 30us dollars. I spend part of my profits in business expansion that is by ensuring I do not run out of stock,supporting my family and also supporting the needy in the society. Now part of my profits will be used in repaying my loan.
Dear lenders I am much grateful for the first loan which was a great success for my business. I realized tremedious Business growth which much was associated with the sale of the hair braids which I introduced in my business. The customer ladies brought their friends this leading to a higher number of sales. Dear lenders receive my thanksgiving for your generous contributions. Now I look forth adding the following Items, 1carton of rubber shoes which has fifty pairs of shoes .This carton goes for Ksh.15,000 (that is 167us dollars). The price per pair of shoe is Ksh.300 which is approximately 3.5 us dollars. By the end of the sale of these shoes I will realize a profit of more than 46 percent. I will also buy 3 men suites for Ksh.6000(in us dollars its 62.12 dollars). each will be Ksh.2000 that is 20.83 us dollars .The sale of the suites shall lead to a profit increase of 32% of the buying price. And Add a sewing machine for Ksh.8000 which is 83us dollars.These items are in a higher demand due to high number of lecturers who needs suites for their official job and the students also who needs to be smart on sundays and during attachments. The rubber shoes are in demand due to the gaming activities and also to be worn when one needs to be casual.The sewing machine shall help me serve my many customers .There are only two tailoring centers along the place where I am located. Adding these items and the sewing machine in my boutique will help me meet the demand of my customers. The profits will be used to repay the loan, adding stock ,serving my family ,funding my campaign on drug abuse awareness in Gachororo and saving for an Mpesa project. I look forth to your funding. Thankyou in advance God bless you.
Positive
1
Neutral
None
Negative
None
Project Type
Classic Loan
Disbursed amount
$305.00
Date disbursed
Jun 15, 2015
Repayment status
On Time
Projected term
11 months
Other loans
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Amount repaid
$321.13
Amount remaining
$0.00
Date repaid
Dec 16, 2015
Status
Fully repaid
Expected Payments | Actual Payments | ||
---|---|---|---|
Jun 28, 2015 | $22.94 | Jul 13, 2015 | $22.94 |
Jul 5, 2015 | $19.17 | Jul 13, 2015 | $19.17 |
Jul 12, 2015 | $0.00 | ||
Jul 19, 2015 | $3.16 | Jul 18, 2015 | $3.16 |
Jul 26, 2015 | $3.16 | Jul 18, 2015 | $3.16 |
Aug 2, 2015 | $3.16 | Jul 18, 2015 | $0.53 |
Aug 3, 2015 | $2.63 | ||
Aug 9, 2015 | $3.16 | Aug 3, 2015 | $2.63 |
Aug 12, 2015 | $0.53 | ||
Aug 16, 2015 | $3.16 | Aug 12, 2015 | $3.16 |
Aug 23, 2015 | $3.16 | Aug 12, 2015 | $3.16 |
Aug 30, 2015 | $3.16 | Aug 12, 2015 | $3.16 |
Sep 6, 2015 | $3.16 | Aug 12, 2015 | $0.53 |
Sep 11, 2015 | $2.63 | ||
Sep 13, 2015 | $3.16 | Sep 20, 2015 | $3.16 |
Sep 20, 2015 | $3.16 | Sep 20, 2015 | $3.16 |
Sep 27, 2015 | $3.16 | Sep 20, 2015 | $3.16 |
Oct 4, 2015 | $3.16 | Sep 20, 2015 | $1.05 |
Oct 4, 2015 | $2.11 | ||
Oct 11, 2015 | $3.16 | Oct 4, 2015 | $1.58 |
Oct 11, 2015 | $1.58 | ||
Oct 18, 2015 | $3.16 | Oct 11, 2015 | $3.16 |
Oct 25, 2015 | $1.05 | Oct 11, 2015 | $1.05 |
Nov 1, 2015 | $10.53 | Oct 19, 2015 | $10.53 |
Nov 8, 2015 | $10.53 | Oct 27, 2015 | $10.53 |
Nov 15, 2015 | $10.53 | Oct 29, 2015 | $10.53 |
Nov 22, 2015 | $3.16 | Nov 10, 2015 | $3.16 |
Nov 29, 2015 | $3.16 | Nov 10, 2015 | $3.16 |
Dec 6, 2015 | $3.16 | Nov 11, 2015 | $3.16 |
Dec 13, 2015 | $3.16 | Nov 11, 2015 | $3.16 |
Dec 20, 2015 | $3.16 | Nov 12, 2015 | $3.16 |
Dec 27, 2015 | $3.16 | Nov 12, 2015 | $3.16 |
Jan 3, 2016 | $3.16 | Nov 18, 2015 | $3.16 |
Jan 10, 2016 | $3.16 | Nov 18, 2015 | $3.16 |
Jan 17, 2016 | $3.16 | Nov 18, 2015 | $3.16 |
Jan 24, 2016 | $3.16 | Nov 18, 2015 | $1.05 |
Nov 19, 2015 | $2.11 | ||
Jan 31, 2016 | $3.16 | Nov 19, 2015 | $3.16 |
Feb 7, 2016 | $3.16 | Nov 19, 2015 | $3.16 |
Feb 14, 2016 | $3.16 | Nov 19, 2015 | $2.11 |
Nov 20, 2015 | $1.05 | ||
Feb 21, 2016 | $3.16 | Nov 20, 2015 | $3.16 |
Feb 28, 2016 | $3.16 | Nov 20, 2015 | $2.11 |
Nov 23, 2015 | $1.05 | ||
Mar 6, 2016 | $3.16 | Nov 23, 2015 | $3.16 |
Mar 13, 2016 | $3.16 | Nov 23, 2015 | $3.16 |
Mar 20, 2016 | $2.11 | Nov 23, 2015 | $2.11 |
Mar 27, 2016 | $41.13 | Nov 24, 2015 | $10.53 |
Nov 25, 2015 | $30.60 | ||
Apr 3, 2016 | $21.05 | Nov 27, 2015 | $21.05 |
Apr 10, 2016 | $21.05 | Nov 27, 2015 | $21.05 |
Apr 17, 2016 | $3.16 | Dec 2, 2015 | $3.16 |
Apr 24, 2016 | $3.16 | Dec 2, 2015 | $3.16 |
May 1, 2016 | $3.16 | Dec 2, 2015 | $3.16 |
May 8, 2016 | $3.16 | Dec 2, 2015 | $3.16 |
May 15, 2016 | $3.16 | Dec 2, 2015 | $3.16 |
May 22, 2016 | $3.16 | Dec 2, 2015 | $3.16 |
May 29, 2016 | $2.11 | Dec 2, 2015 | $2.11 |
Jun 5, 2016 | $42.11 | Dec 2, 2015 | $21.05 |
Dec 7, 2015 | $10.53 | ||
Dec 16, 2015 | $10.53 |
nicole May 5, 2017
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