Capital to purchase mobile phones

Gladys Kavita

Embakasi, Kenya

100% repaid

Entrepreneur

Name

Gladys Kavita

Member since

January 2016

On-time repayments

107 installments  •  68%

About Me

My name is Gladys Ndungwa Kavita, Kavita is my dad.My home is located in Tala, Kangundo in Machakos County. Am the 3rd born in a family of five. i have two brothers and two sisters. I went to Matungulu Primary School where i passed well and joined kangundo girls academy where i also perfomed well despite all the challenges i faced like being sent home for school fees most times, But by Gods grace i completed my education in 2009.
After high school i couldn not go to college or campus due to lack of funds so i moved to Nairobi and joined my elder sister. She didn't have a well paying job i had to hustle to substitute her income. i worked as a casual worker at a local school. After two years i had made some savings and decided to go college but it couldnt take me through so i dropped out during the third semester and that was the end of my education life.
I started job hunt with my half cooked curriculum vitae(no experience) but God is great i secured a job at jumbo quality mattresses as a counter sales girl. my salary was kes 18000 but after making all deductions(tax, medical cover, bus fare on daily basis etc) i could only take home kes 6000. i worked there until late 2016 when I decided to start a small business. I settled for packed drinking water supply and distribution

My Business

I run a purified water depot business under A company called Aquaridge limited,where i am a major supplier and distributor of fresh purified drinking water in some parts of Nairobi and most of parts in eastern Kenya. Due to hot seasons drinking water has been a major problem to many parts of the country that's why I came up with the business idea of water supply in the most affected counties in our country.
I choose water business because it is the type of business your are almost sure of its continued growth and ready cunsumers for the service you are offering.
Basically the only expenses i have are the rent for the premises, electricity bills,money to advance my stock and the local government wok permit which costs me 30000 kes per year. I pay a monthly rent of kes 8500 and an electricity bill of kes 400. Since the business is located around where i live i don't incur bus fare cost. after all the expenses, i take home an average of kes 35000 every month and sometimes up to kes 45000 on a good month.
I have one beautiful daughter who is six years old and wishes to become a pilot when she grows up.
At the end of every month I pull funds and pay all the utility bills, house rent and school fees for my daughter then plough back some percentage of the money into my business and the rest goes to medical cover and savings.

Loan Proposal

Being from Kenya, a third world country most people do not have their own mobile phones and another significant percentage doesn't even have access to one. From the best of my knowledge Kenyans really treasure Christmas holiday and they all want to celebrate that birth of Our savior Jesus Christ in the best way possible to their ability.
I know sales of mobile phones will be high this Christmas just like it has been the previous years, everybody want to communicate with their loved ones, family and friends and wish them a happy holiday and I want to take this chance to make that dream a reality by availing cheap phones to the people of my locality.
I intend to buy a variety of cheap phones available in my country. Some of those phones go for a low as kes 1000 on a retail price. If my loan is fully funded I will purchase around 30 phones ranging kes 800 to kes 1500 wholesale price. I can't actually quote the exact phones because the current phone market in Kenya, there are new products now and then, so I, lol have to go for what is within my target budget and what the customers want. If a customer places an order for an expensive phone and they pay a some amount as deposit I actually bring the product their want but at the moment I don't have enough savings to purchase phones to sell in my shop,But i hope this will become a reality.
Looking forward to hearing from you

Thank you alot zidisha team and the lenders
God bless you

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$473.44

Date disbursed

Nov 18, 2016

Repayment status

On Time

Projected term

13 months

Cost to entrepreneur

Service fee: $19.52

Lenders

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Jason

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R

Raabo

Rungsted, Denmark

Elinor

Maple Lake, MN, United States

BrassHat

Boston, United States

YB Song

Seoul, Republic of Korea

AltruisticSelfishnes

Chicago, United States

COOPITALIST

Toronto, Canada

ErikN

Stockholm, Sweden

Ambrose

Calgary, Canada

F

FHult

Stockholm, Sweden

T

Tallago3

Munich, Germany

R

Roman

Barcelona, Spain

johnandmoliehi

Canton, New York, United States

MienDeGraeve

Ouagadougou, Burkina Faso

M

mogensh

København V, Denmark

P

pmyadlowsky

Charlottesville, United States

A

AlexCheng

Seattle, United States

B

briansedz

Canton, Ohio, United States

H

hanh352

Homosassa, United States

DLarson

Morris, United States

E

ebronken

Oslo, Norway

lorello

Vicopisano, Italy

ads68

Melbourne, Australia

jimmycarterforever

Missoula, United States

dhulsterwim

LIER, Belgium

P

PetrusR

balmoral, Australia

E

erogers

Vancouver, Canada

R

Rachel

Vernon, Canada

Sunnyside

Stafford, United Kingdom

rhagen

New York, United States

T

TurgayAlihos

SOUTHBANK, Australia

MichaelOsburg

Hochheim, Germany

W

willemsenphilippe

Edegem, Belgium

D

ddandipu

Calgary, Canada

M

marcmesich

Kaohsiung, Taiwan

A

Andrii

Kiev, Ukraine

O

ommthree

Egg, Switzerland

A

AndrewC

London, United Kingdom

FriendinOregon

Hillsboro, Oregon, United States

P

Pavane

Kungsbacka, Sweden

JonB

London, United Kingdom

D

Dutch_lender

Leiderdorp, Netherlands

Z

zangalan

Maryland, United States

B

BMcDermott

Washington, DC, United States

M

mark3339

San Diego, United States

C

Clben7

Cincinnati, United States

mygueye

Montreal, Canada

A

akshu71

Ottawa, Canada

S

scottpz

branford, United States

T

Texikan

Fort Worth, United States

L

liseman

United States

C

cindywu

United States

M

martyb

United States

SBlue1

Germany

T

tomcat14

Brussels, Belgium

T

thegreek1020

San Jose, United States

C

chrishol

United States

T

tlbtlbtlb

United States

Paul Buchheit

Mountain View, United States

G

gerard

Netherlands

P

plhughes

United States

K

Kber9156

North Parramatta, Australia

L

leftyoctober

Minneapolis, United States

C

condo86

United States

S

sarah4d2

Saint Louis, United States

larry

Sweden

mepster

San Francisco, Ca, United States

VK

Vasily Kudrin

Moscow, Russia

L

luckiestmonkey

United States

B

bscent

Hong Kong

Mun

Orlando, FL, United States

M

Microfinance

United States

Grant Xavier Storer

Seattle, Wa, United States

S

sarahb

United States

K

Keith

Luxembourg

H

Heath

United States

K

kennychit

United States

N

nshekher

United States

S

satheajay

United States

B

Bennphoto

United Kingdom

C

cocolo

United States

N

Nicolaas

Doha, Qatar

E

erregen351

United States

I

ident

Horsholm, Denmark

S

Schwartz

United States

E

egines

United States

S

Stormcrow

Johannesburg, United States

P

pnrjulius

United States

B

bwmoore

United States

Kyle Hoback

Jersey City, NJ, United States

A

andreab

United States

J

jamdal

Australia

JL

Joao Leal

United Kingdom

KM

KHS Microfinance

Tampa, United States

J

Joe

United States

Frank Termathe

Frankfurt Main, Germany

M

Marcus86257

United States

Gab

Singapore

M

mmartin

United States

One Love

Boston, United States

Zain Haq

Chicago, United States

Jerome

Switzerland

MW

Matt Willis

United States

W

Wade

United States

Daniel

Berlin, Germany

JD

Jo Dane

Melbourne, Australia

H

Hazel

United Kingdom

Elly

Woudrichem, United Kingdom

Jake Badger

Roskilde, Denmark

H

Hank

New Zealand

PC

Patrick Clavette

Hartford, Wisconsin, United States

PR

peter reibold

United States

Kate Courteau

United States

JA

Jared Anthony

CT, United States

MM

Mike Markovich

Toronto, Canada, Canada

V

Vantine

United States

E

erica

antwerpen, Belgium

CN

Cyprien Noel

United States

United States

JC

Jethro Carr

Wellington, New Zealand

JM

John Myers

United States

Filip V

Czech Republic

Kevin

San Francisco, United States

HS

Harry Shulman

United States

M

Marc

Newcastle upon Tyne, United Kingdom

KD

Kent Don

United States

TB

Taylor Brown

United States

BS

Bruno Silva

United States

Mouhamed

United States

MG

Meron Gribetz

United States

Paul

Seattle, United States

Cameron Graham

Nashville, TN, United States

JD

Jeff DePree

United States

Oliver Hasenberg

Iserlohn, Germany

George

Corvallis, Oregon, United States

Marcus M

San Antonio, Texas, United States

Z

zaroastra

somewhere over the rainbow, Portugal

ME

Manaal Eisa

Washington DC, United States

KK

Kyle Kaminski

United States

CNV

United States

R

Rors

United States

Cristina Huesch

Canberra, Australia, Australia

RM

Robert Mulley

United States

TH

tom hd

United Kingdom

Carla

Amsterdam, Netherlands

Corina King

Calgary, Canada

Framework Eyewear

Utrecht, Netherlands

NO

Nancy Owen

United States

B

Brent

United States

Chris OConnor

Atlanta, United States

Pedro R-C

Cambridge, United States

Yvonne

Berlin, Germany

Martin Nielsen

Aarhus, Denmark

JF

Jason Foti

United States

Jeff Martin

Twin Lake, Michigan, United States

M

Mart

United Kingdom

Donna Manton

Australia, Australia

PR

Paul Rausch

United States

Mattie Shaw

Seattle, United States

Taylor

United States

L

Lauren

United States

A

Ashley

United States

Aylsham Rotary

Aylsham, Norfolk, Uk, United Kingdom

N

Nick

Greater London, United Kingdom

RV

Rob Van Dam

United States

P

patricio

Yorba Linda, Ca, United States

AH

ajay hampapur

United States

LD

Laura Dobroth

United States

N

Nick

United States

J

Jason

United States

Aran Dunlop

United States

JR

Jacob Rolon

United States

M

Marjolein

Netherlands

Douglas St Quintin

Sydney, Australia

Eszti

Budapest, Hungary

Rosario von Li

San Jose, Ca, United States

A

Andrei

United States

Mary

Germany

Craig Newmark

United States

The Zinc Team

San Francisco, United States

Humble Bundle Community

San Francisco, United States

A

Anonymous

United States

R

RMIM

United States

Paul Buchheit

Mountain View, United States

S

Sarah

Arlington, United States

Ask Gladys a question about this loan project, share news and photos of your own, or send a simple note of thanks or inspiration.

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  • Mwongeli Isiliu    Feb 22, 2019

    Gladys will start repayment of loan amount soon

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  • Mwongeli Isiliu    Jan 22, 2019

    Gladys is not picking her phone. I'm trying to reach her through the reference numbers she provided I will update soon

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  • Mwongeli Isiliu    Dec 2, 2018

    Gladys got financial problems with her business but she will start repayment soon

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  • Dennis Kariuki    Nov 29, 2018

    Hello lenders, I tried to contact Gladys but I was unable to reach her but I will try to get to her personally and hear her side of the story, I know she is not a bad person maybe she is having financial problems and she is afraid of talking out.thanks

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  • Mwongeli Isiliu    Sep 27, 2018

    Gladys will start repayment next week

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  • Gladys Kavita    Sep 2, 2018

    Hi my lenders,thank you so much for funding my loan,with this loan al be able to expand my business by purchasing waterdispensers for my water business whuch will enable me to sell 20ltrs n 10ltrs in large quantity,onces again thank you so much

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  • alexalexalex    Sep 1, 2018

    Good luck Gladys!

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  • Kyle J    Aug 31, 2018

    Good luck :)

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  • Gladys Kavita    Mar 13, 2018

    Dear lenders and zidisha team, thanks so much for your financial support because of your support have been able to started another different business of packed purified drinking water suppies, thanks you to your support, forever grateful to my lenders and zidisha team

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  • Gladys Kavita    Dec 19, 2017

    hello

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  • Gladys Kavita    Dec 19, 2017

    Hello lenders am really happy for my previous loan but and very sorry I disappointed with late repayments which I can attribute to the electioneering period uncertainties which also led to my business being vandalised by a group of youth posing as demonstrators during the anti government demonstrations. Am really sorry the delayed repayments. Honestly I had to borrow money from my friends to clear this loan on time. I promised to repay this loan timely if it's funded. I also lost my documents and smartphone hence the reason for minimal communication on Zidisha. Thank you so much for your understanding. May God bless you abundantly

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  • Gladys Kavita    Dec 19, 2017

    Hello lenders am really happy for my previous loan but and very sorry I disappointed with late repayments which I can attribute to the electioneering period uncertainties which also led to my business being vandalised by a group of youth posing as demonstrators during the anti government demonstrations. Am really sorry the delayed repayments. Honestly I had to borrow money from my friends to clear this loan on time. I promised to repay this loan timely if it's funded. I also lost my documents and smartphone hence the reason for minimal communication on Zidisha. Thank you so much for your understanding.

    Log in to reply • Share
  • Gladys Kavita    Dec 19, 2017

    Thank you team

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  • Gladys Kavita    Oct 12, 2017

    Hello team. Am so sorry for my late repayments of late but I wasn't feeling well. Hope to clear all the pending installments as soon as I can. Thank you alot

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  • Gladys Kavita    Aug 22, 2017

    Hello lenders and zidisha team. I have been through a lot of financial problems for the past few months but thanks to God all is over. I would therefore like to increase my weekly repayments. Thank you for your patience and understanding.

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  • Gladys Kavita    Dec 4, 2016

    Hello Zidisha team.
    I would like to reduce my weekly repayments due to unavoidable circumstances. I wasn't feeling well hence the low business performance but I hope to resume my normal schedule as soon as I can.
    Thank you lenders

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  • LJ    Nov 29, 2016

    Dear Gladys,

    This Discussion page is for communicating with your lenders, who help fund your loan, but who do not disburse it or credit your repayments. I understand you made your first repayment on your current loan on Monday, November 28th, but I've deleted the repayment details you posted here, because those should be sent to Zidisha administration, via email.

    Please know that it can take up to three business days for a repayment to reflect on your Zidisha account. If it hasn't reflected by Thursday, December 1st, please send an email to "[email protected]" with all of the details. Please put "Attn: Kenya Payment Team" in the Subject line. It can take up to three business days to receive a reply.

    Thank you for your patience. :-)

    Kind regards,
    Laurie
    The Zidisha Team

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  • Gladys Kavita    Nov 27, 2016

    Hello team. Am sorry I haven't been able to buy the phones I intended to buy because I was feeling well. I am recovering and I intend to buy them on Tuesday. Thank you alot

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  • Gladys Kavita    Nov 18, 2016

    Hello lenders. I am very happy and thankful to confirm that I have received my loan of KES 44650. I will keep you updated on the progress of the business venture. As soon as I purchase the phones I'll post images here. Thanks alot

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  • Gladys Kavita    Nov 16, 2016

    Hello lenders, am honored to have my loan fully funded. I intend to purchase cheap mobile phones to sell in my shop during this festive season. Due to the high demand for phones during the holiday seasons I'll be able to make enough profits to repay the loans, cater for my personal needs and even help the needy where possible. I had also promised to take my daughter for a treat if she performed well in her studies, which she did.
    Thank you so so much for hearing my plea and funding my loan. I promise to repay in full without disappointment.
    Thank you and God bless you all

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