Entrepreneur

About Me

I am Joyce Fondo. With my husband and children we have a baking business in Tezo, Kilifi County, on the Kenyan Coast. With the help of the family, we bake breads and cakes; however, it is difficult for the business without a larger and more efficient oven. With the help of a business class run by a local NGO, I realized the Zidisha loan would allow me to purchase a commercial size oven, made by a local craftsman, which will allow up to 100 loaves of bread at a time, reducing costs and increasing profitability.
My graduation photo from the Business Skills class is included on this webpage. In class we learned about business finance, marketing and how to write a business plan.
My husband and I are retired schoolteachers. We also volunteer as Community Health Workers, a program in Kenya that brings health education and outreach to the local villages. Presently, our family income is supplemented by selling produce.

My Business

The nearest town, Kilifi, is 12 kilometres away, so there are opportunities to sell fresh bread locally in Tezo and north. Our customers do not have to travel to Kilifi to buy bread. We also have weddings and other celebrations that need our cakes. Having a larger oven will help us to meet the demand for bread, cakes and expand to other items. This will make our baking profitable

Loan Proposal

Dear lenders we have decided to request this second loan in order to bring electricity to the bakery and to get a cart. With the cart, my son can sell scones and also juices at the market. I had a problem with air quality in the baking room and I will have a workman come to fix the air quality problem. After repaying this loan, we hope to take another to buy a large dough mixer as our JoyFo bakery is getting bigger every month.
After meeting with our business advisor we decided it would be better to take a smaller loan and then get the mixer later. Blessings to all of you for your support.

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Loan Info

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