Judy

Gilgil, Kenya

100% repaid

Entrepreneur

Name

Judy

Member since

February 2013

On-time repayments

43 installments  •  23%

About Me

my name is judy njoki kiruru. im a third born in a family of four .i was brought up in a humble family. i started my primary level in early 1970s. in muriricua primary school. after my primary school education, i joined kaplopita girls secondary school. i sat for my k c s e level,in the year 1984. i passed well though i dint continue with higher education due to un avoidable circumstances. am married with mr kariuki who passed awy in the year 2007 due to complicated disease. im blessed with two kids a boy and a girl. both of them are in our local primary school.

My Business

my business is located in gilgil town. gilgil is thirty five k m from nakuru town. i m selling second hands cloths in my shop. this business is in a very high demand especially this harvesting season. due to high level of poverty in our country, most people prefers to buy second hands cloths, since there are not so expensive and at the same time they last longer gilgil is a big town second from nakuru.most of the people surrounding this town, comes from far to buy cloths in this town. am making a profit of 13 000 per month. my dream is to get more cash and add more stock so that i can serve more customers i m also planning to open another branch of cloths in the nearby trading centres.

Loan Proposal

dear my lenders, am so grateful to get another chance to apply for my second loan.my first loan helped me so much in boosting my business.am planning to add more stock during this season when we are about to celebrate christmas.i hope the money will boost my second hand business alot.most of my clients are in need of childrean cloths during this season.i hope to add more stock in my business so that i will be ablwe to serve many customers during thiis season.

Feedback

5

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Loan Info

Project Type

Classic Loan

Disbursed amount

$313.00

Date disbursed

Dec 9, 2013

Repayment status

On Time

Projected term

17 months

Lenders

P

Philippe

Adliswil, Switzerland

B

Bpryse

Long beach, United States

A

anonymus

Moon, United States

AWeber

Washington, DC, United States

H

happytobe03

Marlton, United States

Karilynn

Mountain View, United States

B

bopsquod

Seattle, Wa, United States

juliemartha

Lake Mary, United States

joaoferraz

RINCHOA, Portugal

N

Navigator

Alavus, Finland

Richard Griebe

La Jolla, United States

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

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  • Sammy    Sep 3, 2014

    Dear lender,
    My names are Sammy Kanja (VM) Rongai Nakuru. I have tried 3 attemt to call judy without vail.i will continue till i meet her.
    Thanks in advance,
    Sammy.

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    • KiraDee    Sep 17, 2014

      Thank you for checking on her, Sammy. Have you heard anything yet?
      Thanks
      Kira

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  • KiraDee    Aug 18, 2014

    Hi Judy,
    Are you doing well? I noticed you're a little behind on your repayments and wanted to check and see if you and your cows are okay. I hope all is well!

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  • Judy    Dec 4, 2013

    dear my lenders, i have fully settled the balance of my loan.as i had said ealier, am now ready to apply for my second loan.i hope the loan will help me in increasing my stock.also i take this opotunity to thank all my lenders and the entire zidisha team.it has been so helpful towards my business. since other micro financies are charging more interest, i have decided to continue with zidisha.

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  • Judy    Nov 26, 2013

    my business is doing well that's why i want to pay the whole amount and get anther loan which will enable me to add more stock in my business, i therefore thank you for being flexible on the lower and pick season of my business, i would also like to appreciate the loan which i have taken with you i thank the lenders and i would like to welcome them to Kenya and see my business as it progresses God bless you.

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  • Judy    Nov 22, 2013

    dear my lenders, i hope you are fine doing. am well without any problem. my business is doing so well especially during this season.most of my customers are now in high demanding a lot of cloths since Christmas is approaching.i hope to repay my loan as quick as possible. i need to apply for my second loan, so that i can be able to stock my shop during this season when its my high time in my business. i hope to serve more customers with second hands cloths

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  • Judy    Jul 16, 2013

    dear lenders i have decided to update you with the situation of my business. my business is doing so well , and this season in our country its very cold. so the demand of pullovers is very high because every customer is in need of pullover. since its very cold. am planning to add more stock in my business so that i can serve so many customers during this season. my two young kids are still schooling without any problem. i hope you are all doing well also wherever you are in the world. am very grateful to zidisha organization.

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  • Judy    Jul 16, 2013

    dear my lenders am very thankful to all of you and your helping hands. i appreciate. the loan you gave me has moved my business forward i don't know how to describe. i thank all of you for your good faith for giving out your money to a person you have never seen. may GOD bless you all. i am planning to make repayments as first as i can so that i can get a bigger loan from zidisha to boost my business. m very grateful to all lenders with good faith to help needy people like me

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  • Judy    Jul 15, 2013

    dear my lenders i have decided to reschedule my loan because my business is a bit down in sales. i will make sure that i have paid m,y loan in time. during this season, my business is not doing so well and since am paying rents for my business house and also my residential home, i have decided to prolong the paying period until things turn back to normal. thanks so much my lenders for your patience

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  • Judy    May 16, 2013

    Dear Lender
    Thank you for the loan you gave me I really appreciate very much.I look forward to
    to bring another bail of different size because i get a lot of customers who need cloths for there family an therefore will be interested to take another loan for stock enlargement for a good profit to satisfy my family need for they depend on this.
    Thank you very much.
    Regards Juddy kirui

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  • Judy    Apr 1, 2013

    thanks so much all my lenders who contributed in my bids fundraising thanks so much.

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