Name
Morine
Member since
January 2015
On-time repayments
191 installments • 87%
I was born and raised in a small village in the slopes of mount Kenya. In my childhood days, I always dreamt of being a writer and I started writing as early as when I was 10 years.
I used to write short stories for my friends to read and they would really appreciate. My English teacher especially encouraged me that I was a good writer and this was a great motivation for me.
By the time I had joined high school, I knew I wanted to write, focusing on educating children on issues affecting our community day by day. So far, I have been able to write and publish two books that are already in the market. Book one is titled Disability is not Inability, that encourages all children that no matter the challeges they face, they can make it in life.
Book 2 in a short story that teaches children between the age of 6 - 7 about HIV/AIDs, how it is spread as well as the care of those who are affected and those that are infected.
Through the money that I have raised by selling my books, I have been able to open up a small printing and photocopy shop. I would like to expand my business to become a cyber cafe with several computers. I would also like to start selling printing materials and stationery to maximize on the space that I have in my shop as well as to generate more income.
The extra income will also facilitate me to hold talks to reach out to more children to educate and encourage them that they can also make it in life.
In my shop, I also offer graphic design, branding, typing and printing, document lamination, document binding document scanning, printing and photocopy services. I chose this business because I am able to meet and interact with many people.
Through offering all the stated services, and having expanded my business with the last zidisha loan, I am able to make about Ksh. 7,000 per day. This amount minus the cost of the day which includes, toner for the photocopier, ink for my ink jet printer, printing and photocopying papers, lamination papers and electricity leaves me with about Ksh. 3,500 per day as the profit.
I plan to convert my printing shop into a cybercafe. Granted the loan, I plan to buy two computers that my clients will use to surf the internet and do their own typing. I did market research on the same and found out that each computer will cost me roughly 12 dollars.
By bringing in the new computers to my shop, Clients who need typing services will no longer queue waiting for me to do it for them. They will be able to access the services on their own. This will enable me to concentrate on other clients who need services like graphic design and cannot do it themselves.
I expect my profits from the additional two computers will increase by about 6000 KES. I'm gauging this in regard to my current customer flow, i.e. the number of clients who come looking for typing and internet surfing services at my shop and have to either queue or leave if they are in a hurry.
It is my hope that you will consider my application for a loan. Thank you in advance.
Positive
6
Neutral
None
Negative
None
Project Type
Classic Loan
Disbursed amount
$361.00
Date disbursed
Oct 31, 2015
Repayment status
On Time
Projected term
8 months
Other loans
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Amount repaid
$377.23
Amount remaining
$0.00
Date repaid
Jul 25, 2016
Status
Fully repaid
Expected Payments | Actual Payments | ||
---|---|---|---|
Nov 8, 2015 | $10.00 | Nov 12, 2015 | $10.00 |
Nov 15, 2015 | $10.00 | Nov 16, 2015 | $10.00 |
Nov 22, 2015 | $10.00 | Nov 26, 2015 | $10.00 |
Nov 29, 2015 | $10.00 | Nov 30, 2015 | $10.00 |
Dec 6, 2015 | $10.00 | Dec 14, 2015 | $10.00 |
Dec 13, 2015 | $10.00 | Dec 14, 2015 | $10.00 |
Dec 20, 2015 | $10.00 | Dec 28, 2015 | $10.00 |
Dec 27, 2015 | $10.00 | Dec 28, 2015 | $10.00 |
Jan 3, 2016 | $10.00 | Jan 11, 2016 | $10.00 |
Jan 10, 2016 | $10.00 | Jan 11, 2016 | $10.00 |
Jan 17, 2016 | $10.00 | Jan 25, 2016 | $10.00 |
Jan 24, 2016 | $10.00 | Jan 25, 2016 | $10.00 |
Jan 31, 2016 | $10.00 | Feb 10, 2016 | $10.00 |
Feb 7, 2016 | $10.00 | Feb 10, 2016 | $10.00 |
Feb 14, 2016 | $10.00 | Feb 29, 2016 | $10.00 |
Feb 21, 2016 | $10.00 | Feb 29, 2016 | $10.00 |
Feb 28, 2016 | $10.00 | Feb 29, 2016 | $10.00 |
Mar 6, 2016 | $10.00 | Mar 17, 2016 | $10.00 |
Mar 13, 2016 | $10.00 | Mar 17, 2016 | $10.00 |
Mar 20, 2016 | $10.00 | Mar 17, 2016 | $10.00 |
Mar 27, 2016 | $10.00 | Apr 2, 2016 | $10.00 |
Apr 3, 2016 | $10.00 | Apr 2, 2016 | $10.00 |
Apr 10, 2016 | $10.00 | Apr 22, 2016 | $10.00 |
Apr 17, 2016 | $10.00 | Apr 22, 2016 | $10.00 |
Apr 24, 2016 | $10.00 | Apr 22, 2016 | $10.00 |
May 1, 2016 | $10.00 | May 21, 2016 | $10.00 |
May 8, 2016 | $10.00 | May 21, 2016 | $10.00 |
May 15, 2016 | $10.00 | May 21, 2016 | $10.00 |
May 22, 2016 | $10.00 | May 21, 2016 | $10.00 |
May 29, 2016 | $10.00 | Jun 23, 2016 | $10.00 |
Jun 5, 2016 | $10.00 | Jun 23, 2016 | $10.00 |
Jun 12, 2016 | $10.00 | Jun 23, 2016 | $10.00 |
Jun 19, 2016 | $10.00 | Jun 23, 2016 | $10.00 |
Jun 26, 2016 | $10.00 | Jul 25, 2016 | $10.00 |
Jul 3, 2016 | $10.00 | Jul 25, 2016 | $10.00 |
Jul 10, 2016 | $10.00 | Jul 25, 2016 | $10.00 |
Jul 17, 2016 | $10.00 | Jul 25, 2016 | $10.00 |
Jul 24, 2016 | $7.23 | Jul 25, 2016 | $7.23 |
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