Classroom construction and furnishing

Ruth Muraya

Nakuru, Kenya

24% repaid

Entrepreneur

Name

Ruth Muraya

Location

Nakuru, Kenya

On-time repayments

210 weekly installments  •  82%

About Me

Iam a 43year old single mother of two children aged 20 and 11. i come from a large family of eight. We are orphans, having lost our parents some years back.My father passed on in January, 1991 and my mother passed on in February, 1999. I live in the same house as my business thus trying to save on paying extra rent. My first born has cleared high school and is waiting for his O-level final national exams results and my daughter is in class six. We are a God fearing family and this has helped us reach our goals by not relying on family support but by putting our faith on God. We live in a rented house and pay rent of Kshs. 20,000 per month. The increament in rent is as a result of the number of classes i have added. I have provided employment to five teachers and one surbordinate staff. echoes of joy has been our source of income for the last seven years and all this is thanks to the bold step i took to be self reliant.

My Business

Echoes of joy daycare centre is a nursery school taking care of children aged between 3-7 years. We have six running classes, baby, middle and top class. We have also started offering lower class education in standard one, two and three. Echoes of joy opened its doors in the year 2009 and has been running since. The community around Mwariki estate do appreciate and support the fact that we brought early childhood education close to their homes. We also run a vacation bible study for all children in the surrounding area and we do not charge. It is meant to bring children closer to God and also to keep them busy over the holidays. this has been a big success. I am so grateful to all my supporters in zidisha organisation for your immense support. I have been able to support my family and at the same time bring education to my community, may God bless you always.

Loan Proposal

I am hereby requesting for financial assistance in order to complete a construction that i have already started. This will accommodate a new number of children that have already enrolled with us. I have done the walls and what i need the loan to do for me is the concrete floor that will cost 500$. I will also need to paint the new classroom at a cost of 100$. The classroom will need shelves, tables and chairs for the children at a cost of 250$. Once i am able to do the above the children will start learning in the new classroom. It is quite spacious and also gives the children a very conducive environment for learning. My goal is to enroll as many children as i can so as to have many children access education thus eradicating illiteracy in my community. May God bless you always for assisting me to achieve my goal.

Feedback

4

None

None

  • howard    Jan 18, 2016

    Thank you, Ruth, for your excellent repayments.

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    • Ruth Muraya    Jan 25, 2016

      I am truly grateful to all the members of zidisha organization for your patience. I am humbled to be a beneficially of your support. May God always bless you. I am also grateful for your trust in me. My business is completely on an upward trend of development because of your support. Thank you.

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  • Ben99    Mar 21, 2014

    Paid back no problem, and good communication with updates.

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  • SHRFamily    Mar 16, 2014

    Paid back consistently. Would lend again.

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  • pentatonicscale    Mar 7, 2014

    Ruth told us exactly how the loan was used and paid back faithfully. Good job, Ruth!

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Loan Info

Project Type

Classic Loan

Disbursed amount

$900.29

Date disbursed

Jan 25, 2016

Repayment status

Late

Projected term

61 months

Cost to entrepreneur

Service fee: 5% of $900.29 = $45.01

Ruth opted to pay $88.60 into the Zidisha Members Loan Fund in return for a higher starting credit limit.

Lenders

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JB

James Broderick

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CWS

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B

bgalon

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S

Snick

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A

alfredo

Bremen, Germany

H

Hilke

Bremen, Germany

F

Fabrizio

Grottaferrata, Italy

G

Givemoreuseless

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valentin

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S

Spock

Koeln, Germany

B

BRWorthington

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Ishaque

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Irvin

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J

johan

Oslo, Norway

P

Peter

München, Germany

Spyque

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J

JonnyPrice

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T

tatts2000

melbourne, Australia

S

SovTempest

Toronto, Canada

malcolm D

grants pass, United States

C

Catolas

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Y

yop324

Ottawa, Canada

AdamP

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W

Witlof

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T

TobyKenobi

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BelleStarr

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K

KakkoiiCali

Anaheim, United States

cyrus0302

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D

DrFeelGOOD

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Joellen

Boulder, United States

K

Kireva

Helsinki, Finland

E

Ehaffey

Washington D.C., United States

S

sebseb

The Hague, Netherlands

G

GregT

THUNDER BAY, Canada

C

ColinPlatt

Montgomery Village, United States

Johnny

shanghai, China

I

ideerge

Mountain View, United States

S

snowlilly

Sanford, United States

Tilius

Oslo, Norway

J

Jdoyle

Kitchener, Canada

L

Leisha

Gold Coast, Australia

Straetman

Kaarst, Germany

Rocketdrive

Eugene, Oregon, United States

J

jozua

Delft, Netherlands

K

Kerkeslager

Richmond, United States

B

BerndWeber

Munich, Germany

A

Amino

Ottawa, Canada

L

louisela

Eugene, Oregon, United States

I

Interfree

Dubai, United Arab Emirates

J

jrtregurtha

Ridgefield, United States

F

faical

Cologne, Germany

R

ryanalysis

Port Jefferson Station, United States

G

Gymeagary

Bangor, Australia

T

traderjohn

Baltimore, United States

N

noah695

Salt Lake City, United States

SC1991

West Jordan, United States

A

AJCortens

Boise, ID, United States

B

bgxalz

Kópavogur, Iceland

ZlataRoy

Cheltenham, United Kingdom

F

FaaThailand

Bangkok, Thailand

R

rcmssr

Woodbury, United States

MichaelDean

San Jose, United States

JG

johnny garden

Köln, Germany

T

troberson

Lake Stevens, WA, United States

G

giaco

madrid, Spain

J

Jacquinta

London, United Kingdom

Pere

Barcelona, Spain

A

aliasadsj

Queens, NY, United States

mattebe

Pittsburgh, United States

T

ToddK

Indianapolis, IN, USA, United States

K

Kristina

Christchurch, New Zealand

P

Purllyn

Dillon, United States

S

Steveandson

Arlington, United States

R

ryano

New Westminster, Canada

G

GLWall

Iowa, United States

K

Kumaran&Thea

London, United Kingdom

Kate4Good

Washington, United States

P

Piccolo

London, United Kingdom

DaveinPerth

Perth, Australia

K

kingmark1

Calgary, Canada

B

Buchbinder

Berlin, Germany

BJ

Brandon Joz

North Carolina, United States

M

MarleyZiggy

Colorado, United States

SP

Steve Picchione

Lake Elsinore, United States

J

John

Newbury Park, CA, United States

J

jgrauel

Zurich, Switzerland

Joseph P. Edd

Seoul, Republic of Korea

RochelleSpencer

New York, United States

C

Casdjb

Toronto, Canada

N

nanning

Baltasound, United Kingdom

Aggul

London, United Kingdom

Kysera

Crawfordsville, United States

Y

Yasha

Beer Sheva, Israel

M

mikecook

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Jeff and Marcie

Portland, OR, United States

4

42Theo

London, United Kingdom

queenjord

edmond, United States

B

blahblah

Nuernberg, Germany

M

mrhanky1

melbourne, Australia

jk1234

Pinellas Park, United States

T

thejacobnorton

Jubail, Saudi Arabia

A

alejandropozo1

Brighton, United States

RockinRobin

Centennial CO, United States

R

Rossman

Poland, United States

J

JNale

Reedsville, PA, United States

D

danny

Karlsruhe, Germany

M

matts

New York, United States

P

proby24

Singapore, Singapore

K

Kibbleni

Madison, United States

S

SelvaMarcus

Green Cove Springs, United States

A

Alsyf

Sydney, Australia

phytoplankton

United States

T

tmsaddress

Orlando, Florida, United States

A

ArcticOne

Medicine Hat, Canada

1

1979fan

Palo Alto, United States

M

mgeck

Munich, Germany

cattlebaron

Pierre, SD, United States

S

Shadrax

Lansing, United States

F

fisaire

Ithaca, United States

M

michalbette

melbourne, Australia

S

SeanWolfPack

Raleigh, United States

pbosakov

Sofia, Bulgaria

ksevik

Oslo, Norway

dajawein

Gladstone, Australia

indeh

London, United Kingdom

athomas

Chevy Chase, United States

FlamingFreedom

Manchester, United States

F

fourstarsfamily

Melbourne, Australia

M

Marij

Gent, Belgium

M

missjoyy

Munich, Germany

T

Talex

Nürnberg, Germany

S

suzerain

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B

BartenKatrijn

Ghent 9000, Belgium

andreasol

Bielefeld, Germany

P

portlandloans

Portland, United States

Mavos

Gothenburg, Sweden

R

RichardH

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D

Divergent

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amovida

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G

glomardor

Leonardtown, United States

M

markusfitza

College Station, United States

IA

Ismini and Jerry

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P

penguin3694

Chicago, United States

A

aiban

Austin, United States

S

Sabine

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D

doinggood

Missoula, United States

PipPipHooray

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A

Austrian

Graz, Austria

birtom

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Matthew

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eastcoastcanuck

Fredericton, Canada

S

samuk

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M

Mårten

Inden, Switzerland

madnomad

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C

cczapp

Hilliard, United States

Jalene

Redmond, Oregon, United States

A

Aastra

Los Angeles, United States

J

JonMichael

Winnipeg, Canada

K

Kinger

Dublin, Ireland

V

Va_Ce_Jo

Egham, United Kingdom

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Zürich, Switzerland

L

loistf

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MichelD

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jwharding

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DThirteen

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edgreig

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mwkelley2

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Alina

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Aaron

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Oscart

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jerryq

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emtesenair

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Nhende

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lilbsedz

Raleigh, United States

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jhealy87

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Adam3333

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Gav H

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LindsayB

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solarkismet

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CarolD

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Eynesbury, Australia

A

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San Francisco, United States

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maxep06

Fairfax, United States

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Paris, Australia

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Glen Spey, United States

U

UTLonghorn

Lincoln, United States

K

kjustad

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P

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tocolino

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TedEBear

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WenShiDi

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Fritzimax

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Bill2073

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isabelv

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icmoonchild

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ommthree

Egg, Switzerland

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Colmena

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b_plok

Granada, Spain

iamdaimo

London, United Kingdom

gseletko

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ZandC

Sacramento, United States

dmirpuri

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Switzerland, France

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harrymore

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J

jinx83

Brisbane, Australia

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J

jcappel

Toronto, Canada

E

elourenco

Porto, Portugal

Walterlo

West Hollywood, United States

B

BobHope

United States

M

Malibu

Westwood, United States

G

gbelote

United States

D

drorm

United States

G

geoff

United States

S

spivurno

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S

SimonAngus

South Africa

A

allie105

United States

M

Michi

Switzerland

J

jay12

Germany

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EastVan, Canada

K

Karpet

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bb4dogs

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DaveElliott

United Kingdom

JA

Jorge Alagon

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jbhernan

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A

Arkad

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P

Panda6689

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TyWee

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A

AlphaAres

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G

GDean

United States

D

DStateDDB

United States

W

wesbh89

United States

S

SaraNT

United States

I

idris

United States

A

Akowal

United States

J

jdelaporte

United States

A

AlexH

United Kingdom

dpollard

United States

S

SCHAC

Switzerland

SV

sven vdk

Twickenham, United Kingdom

Thorn

North Carolina, United States

M

M.Umar

Pakistan

E

Estebanito

United States

J

JeremyR

United States

R

Ruj-ura

Thailand

M

mbarbier

United States

Mike and Jacqui

United Kingdom

S

Stephan

Netherlands

KM

Kirsty M

United Kingdom

Haim Si

Mexico, Mexico

Arne Bachmann

Hamburg, Germany

Dave Bogard

New York, United States

Tsay

Taipei, Taiwan

Family Mueller

Petershagen, Germany

Josh

Australia

Vana R

Ireland

Greg Howard

Reno, Nv, United States

JL

Jindou Lee

United States

SMOICE

Berlin, Germany

S

Selloman

Hamburg, Germany

Pedro R-C

Cambridge, United States

PG

Paul Graham

United States

MC

United States

M

Maggie

Australia

MS

Mike Sutherland

United Kingdom

Madeleine

Switzerland

roark22

Geneva, Switzerland

SP

Stephanie P

United States

JG

Jake Gibson and Beverly Picardo

San Francisco, United States

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