Njoki

Nakuru, Kenya

48% repaid

Entrepreneur

Name

Njoki

Member since

April 2013

On-time repayments

25 installments  •  56%

About Me

My name is Njoki Kimani and a resident of Nakuru town.am married with three children all who are in primary school.we work together with my husband in our motor vehicle spare shop located in kenlands part of Nakuru.l never managed to join college for further education due to lack of school fees and this made me to search for a job opportunity in the market.finally my uncle managed to secure me a job from one of his friends who had a auto spare shop in town.And after working for some years l started my own business in town with the help of my husband.l normally use the income to support my family

My Business

l normally stock the toyota spare parts this is because they have lot of demand since they are easily and widely available.l get the stock from Nairobi and retail them for a profit.Although there is lot of competition in the area l normally supply my customers who are located in different town with the stock.l normally make sure that my price is affordable to my customers so as to be competitive in the market.l normally make like ks 30,000 per month as profit and after deducting the expenses.if advanced with the loan l will be able to add more stock to the business.

Loan Proposal

dear my lenders am so greatful to zidisha and all lenders who had helped me in my business boosting. m so happy with this progress. with this second loan, am going to buy more stocks and many other item which will help me in adding more stock in my shop, so that i can be able to serve more customers.i hope to add diesel oil one litres and also petro oil and some other importants parts in my business.

Feedback

2

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Loan Info

Project Type

Classic Loan

Disbursed amount

$394.00

Date disbursed

Sep 25, 2013

Repayment status

Late

Projected term

21 months

Other loans

Lenders

P

ploeger

Perkasie, United States

B

Brandon

Colorado Springs, United States

Sundstroms

Falun, Sweden

Namaste250

Pittsford, United States

scgtb

Sarasota, United States

gwells

台北, Taiwan

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  • Njoki    Oct 2, 2013

    Good evening lenders,i want to inform you that my customers are very happy because they can now get every item they need from our shop,i was able to buy the tuk tuk spares i told you about, in fact am very grateful to all the lenders and i promise to work hard so that i will be able to pay this loan on time.

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  • Njoki    Oct 2, 2013

    Good evening lenders,i want to inform you that my customers are very happy because they can now get every item they need from our shop,i was able to buy the tuk tuk spares i told you about, in fact am very grateful to all the lenders and i promise to work hard so that i will be able to pay this loan on time.

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  • Njoki    Oct 2, 2013

    Hi lenders , its with great joy to take this opportunity and thank all for the good will ,support to me and my business .i received the funding with unspeakable joy. the entire family are well .immediately i received the money i send to my supplier . i also offset an outstanding debt.again accept my appreciation.

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  • Njoki    Sep 18, 2013

    Dear zidisha and the entire team ,its with grate pleasure to appreciate all those who made it possible the success and facilitating my second loan .please Namaste20 ,Sundstroms, Brandon Scgtb , Ploeger. receive my deepest heartfelt thanks I believe i will keep you posted at all times. Again supposedly you might have desired to support and may be you were unable please receive my right hand salute i count you great .asante sana!

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  • Njoki    Sep 17, 2013

    Hi lenders am so grateful to see that you have already funded 44% of my second loan,i promise to pay my loan on time because the stock that am planning to buy are fast moving and the profit is high,may God bless you for causing my business to move to the next level.

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    • gwells    Sep 18, 2013

      Njoki,

      I'm happy to help fund the loan you need. I hope you will now be able to purchase what you need from your supplies and help grow your business. God Bless you and good luck.

      Greg

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    • gwells    Sep 18, 2013

      Njoki,

      I'm happy to help fund the loan you need. I hope you will now be able to purchase what you need from your supplies and help grow your business. God Bless you and good luck.

      Greg

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      • Njoki    Sep 18, 2013

        Hi greg ,its wonderful to hear from you.please allow me to appreciate your funding may the good LORD reward you .sincerely this loan came when it was mostly needed.we are grateful as a family. we know the business will now have a new impact to our customers and profit in general.thanks

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  • Njoki    Sep 16, 2013

    Hi zidisha team and all lenders, its a honor and privilege shown to me through bidders made so far . please be informed that am grateful and allow me to send a word of appreciation .Especially trust and confidence you have in me.may the good LORD bless you.

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  • Njoki    Sep 10, 2013

    dear leaders ,we are okey would like to take this opportunity to appreciate your efforts in supporting us despite our distance, this i know its faith in action. I strongly believe that we are blessed so that we can become a blessing. In future we are intending to create employment by hiring someone who will be helping us on service delivery .keep shinning more and more !. thanks

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  • Njoki    Sep 10, 2013

    dear leaders ,we are okey would like to take this opportunity to appreciate your efforts in supporting us despite our distance, this i know its faith in action. I strongly believe that we are blessed so that we can become a blessing. In future we are intending to create employment by hiring someone who will be helping us on service delivery .keep shinning more and more !. thanks

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  • Njoki    Sep 9, 2013

    hi lenders ,am happy to inform you that my orders are ready for posting. which will allow my supplier to go through it and arrange for packaging then later make the shipping . with humility i therefore submit my loan which will help me to facilitate down payment for my supplier .This truly goes with out saying your support is beyond explanation thank you the entire zidisha team.

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  • Njoki    Sep 8, 2013

    The economy of this nation needs people like you so as to help it grow,it is very rear to find people who have that heart of helping people the way you are doing,you are raising the standard of people that you have not even met,surely zidisha you are wonderful people,and may the lord increase you more and more.as you continue to be a blessing to many.

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  • Njoki    Sep 8, 2013

    Hi lenders i am planing to apply for the second loan today which am trusting God will go through,if i receive the money by this week i will be able to send my order to my suppliers and by this i will have enough stock which will be able to satisfy my customers,i will also buy some few motorbike spares especially those which are first moving.

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  • Njoki    Sep 8, 2013

    Dear lenders ,all is well .recently i had one of my suppliers who made a courtesy call to our business for which i count it to be great privilege .am currently working on the new purchase order so that i can send to them. This particularly will enable him to package for shipping. some the items include bearing ,all types of seals, paper gaskets, all types of cables ,some Engine parts which are light in weight but offenly get worn out. this i strongly believe will effect the business profitability positively which help us to handle more orders from our customers .I believe that once given an opportunity we are well able to move to the next level .surely zidisha and the entire team you are like a friend who stick clossure than a brother.

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  • Njoki    Sep 6, 2013

    Hi lenders God has given us another beautiful day and we are glad,i noted that most people who have benefited from zidisha microfinance are Kenyans and i feel so much priviledged to be one of them,infact i cant thank you enough for the good work you are doing of raising the standard of people,there is no where you can get a loan with such kind of low interest.

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  • Njoki    Sep 6, 2013

    Hi lenders God has given us another beautiful day and we are glad,i noted that most people who have benefited from zidisha microfinance are Kenyans and i feel so much priviledged to be one of them,infact i cant thank you enough for the good work you are doing of raising the standard of people,there is no where you can get a loan with such kind of low interest.

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  • Njoki    Sep 6, 2013

    Dear lenders ,being connected to zidisha has helped us grow and able to handle more orders .once again am grateful to zidisha plat forum .for such opportunity .as mentioned earlier in my comment i deal with the three wheeler vehicles locally known as tuk tuk .this vehicles are mostly diesel engines. one of the paramount importance for diesel engine for it to have an effective performance it has to be regularly serviced and maintained . Am grateful for the first loan. But also intending to make second loan application which am focusing to expanding the business , through advertisement ,printing business cards stickers which will help me to create customer awareness .This certainly will take a small proportion but to have big impact .once again you make us feel loved keep it up

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  • Njoki    Sep 6, 2013

    Today was another wonderful day,the climate was favorable although it rained in the afternoon,i thank God for helping us to pay our first loan,the loan enabled us to add some more stock and by this the customers have increased so much,am so grateful for your support because the money you lend me has caused my business to move to another level.

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  • Njoki    Sep 6, 2013

    yesterday was another great day for me because i made a good sale,i had a lot of customers and they were happy because almost every thing they needed was available,i always feel good when the customers are served to there satisfaction.another supplier happened to call me and promised to sell goods to me at a reduced cost,and by this i will be able to make a higher profit.

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  • Njoki    Sep 5, 2013

    Hi lenders i want to inform you that its a rainy season and during this time there is a high demand of spare parts because most of our roads here in Kenya are not tarmacked,and so this is the time that we need a lot of stock especially the spares of the three wheeled vehicles i told you about.this ( tuktuks)three wheeler are the ones which are mostly affected by the rough roads.

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  • Njoki    Sep 5, 2013

    HI, lender with reference to international survey broadcasted in news stations kenya has become the fastest growing in infrastructure and communication .Nakuru town where we do business stands to be one of the beneficiary on the same, seeing growth in population, transport in which we major our focus i.e repair and maintenance (selling spares) food industry etc .we are looking forward to accelerate this growth by securing more funds so that we can seize this great opportunity.

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  • Njoki    Sep 5, 2013

    HI, lender with reference to international survey broadcasted in news stations kenya has become the fastest growing in infrastructure and communication .Nakuru town where we do business stands to be one of the beneficiary on the same, seeing growth in population, transport in which we major our focus i.e repair and maintenance (selling spares) food industry etc .we are looking forward to accelerate this growth by securing more funds so that we can seize this great opportunity.

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