Joseph
Ongat`a Rongai, Kenya
7% repaid
Name
Joseph
Member since
January 2014
On-time repayments
218 installments • 4%
I AM A SEVENTH BORN OF A FAMILY OF TEN, OUR HOME IS IN WEBUYE BUT I CURRENTLY LIVE IN ONGATA RONGAI, NAIROBI, WITH MY ELDER BROTHER WHILST I ATTEND TECHNICAL UNIVERSITY OF KENYA. GOD HELPED ME THAT I MANAGED TO JOIN THE UNIVERSITY. MY FEE IS PAID BY MY ELDER BROTHER THAT I AM LIVING WITH, BECAUSE MY PARENTS ARE STRUGGLING TO PAY FOR MY OTHER SIBLINGS IN HIGH SCHOOL. I AM PURSUING A DEGREE COURSE: BACHELOR OF BUSINESS ADMINISTRATION(B.COM). I AM CURRENTLY IN THIRD YEAR. MY OTHER ELDER SIBLINGS ARE ALSO STRUGGLING WITH LIFE TO MAKE ENDS. MY YOUNGER SIBLINGS ARE IN HIGH SCHOOL AND THE SOME OTHER MIDDLE LEVEL COLLEGES.
MY AGING PARENTS ARE AT RURAL HOME.
AT MY BROTHERS PLACE RONGAI, WE HAVE A 1/8 ACRE GARDEN THAT WE GROW ALL TYPES OF VEGETABLES THAT WE SELL TO HOTELS AND NEIGHBOURS. I AM THE ONE WHO STARTED IT AND I HAVE BEEN USING THE BENEFITS AS MY COMMUTATION FEE BACK AND FORTH THE UNIVERSITY.
HOWEVER, I AM PLANNING TO GROW OTHER NEW CROPS BASICALLY THE TRADITIONAL VEGETABLES WHICH SELL EASILY AND ARE ON DEMAND, BUT THE LIMITATION WAS CAPITAL. MY BROTHER WORKS AS A CARPENTER AND HIS EARNINGS ARE USED TO PAY MY SCHOOL FEE. THE 1/8 ACRE FARM IS DIVIDED INTO FOUR TO ALLOW THE CROP CYCLE IN ORDER TO ENSURE THAT AT EVERY SEASON WE HAVE VEGETABLES TO SELL.I USUALLY WATER THE CROPS PERSONALLY AND I WAS PLANNING TO BUY A MONEYMAKER PUMP. EVERYDAY I GET KSH. 500 MINIMUM AND KSH.1000 MAXIMUM AT PEAK SEASON. COMPETITORS ARE MANY BUT ALL IN ALL VEGETABLES ARE A MUST FOOD AT HOTELS AND HOMESTEADS IN KENYA SO IT SELLS SO MUCH. THE RISKS FACED BY THIS FARM IS VEGETABLE DISEASES LIKE MILDNESS AND RUST. SO PURCHASE OF THE HERBICIDES IS A CHALLENGE BECAUSE THEY ARE EXPENSIVE. I HAVE DONE THIS BUSINESS FOR FOUR YEARS NOW AND IT IS VERY PRODUCTIVE.
The loan will help me purchase, plant and upkeep the traditional vegetable seedlings( managu,saga etc) that are greatly in demand from the hotels and residents who buy from within Rongai.
Right now there are ready vegetables like the sukumawiki, cabbages and potatoes. i will be using portion of it to repay my montky payments. I believe that once am funded, the benefits from the farm will increase and furthely help me with paying my school fees for the remaining years. Thanks.
Positive
None
Neutral
None
Negative
2
Project Type
Classic Loan
Disbursed amount
$150.00
Date disbursed
Jan 28, 2014
Repayment status
Late
Projected term
51 months
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