Entrepreneur
Name
Ngoja
Member since
January 2015
On-time repayments
69 installments • 68%
About Me
My name is Ngoja Nyawa - born in Kwale County in the Coast region of Kenya. I was born in a big family of nine and I am the 5th born. Kwale is a semi-arid area where the main activity is subsistence farming. It is in this environment that I was born 45 years ago and I had to endure a lot of hardships because my parents could hardly cope with raising the big family.
However, I navigated safely into adulthood largely due to assistance given by government in form of relief food and other basic needs. I did eight years of primary school but unfortunately I could not proceed further due to lack of school fees.
I later moved to Mombasa city where I started working in construction sites to earn a living. I made some savings which I used to take me to a technical college for a course in building technology where I qualified as a building technician.
I got a job in a local school academy as a building maintenance staff and then promoted to a maintenance supervisor. I worked there for nine years and decided to go back home to start a posho mill business which I am still doing.
I am married with 6 children aged between 5-19 years.
My Business
I run a posho mill business. This business entails converting dry maize to maize floor which is the staple food in Kenya. I buy maize from local farmers during harvest time and then store it for milling when needed. I normally serve the local community- most of whom a low income earners who can hardly afford flour from well established millers.
The flour is preferred because it is cheap and more nutritious than the other refined brands and it is slowly gaining acceptance even from the middle class. I make a total profit of about $250 after covering my overheads (mostly diesel, engine oil and general maintenance of the milling machine).
This is money that I use to support my family including their education and general upkeep.
Loan Proposal
I am looking forward to buying a bout 6 sackful of 90kgs of dry maize which after milling i will make nice profit of a bout 4,800 KES which a gain will boost on increasing my stock. in the event of increased stock i am looking at getting more customers and this will mean more demand and more increase on supply.
I do believe this loan will completely make a difference in my life hence my children and family will not have to strugle much to make ends meet
Feedback
Positive
None
Neutral
None
Negative
None
Loan Info
Project Type
Classic Loan
Disbursed amount
$179.00
Date disbursed
Aug 9, 2015
Repayment status
On Time
Projected term
9 months
Other loans
Lenders
Summary
Amount repaid
$187.05
Amount remaining
$0.00
Date repaid
May 3, 2016
Status
Fully repaid
Repayment History
| Expected Payments | Actual Payments | ||
|---|---|---|---|
| Aug 16, 2015 | $4.00 | Aug 15, 2015 | $4.00 |
| Aug 23, 2015 | $4.00 | Aug 31, 2015 | $4.00 |
| Aug 30, 2015 | $4.00 | Aug 31, 2015 | $4.00 |
| Sep 6, 2015 | $4.00 | Sep 5, 2015 | $4.00 |
| Sep 13, 2015 | $4.00 | Oct 2, 2015 | $4.00 |
| Sep 20, 2015 | $4.00 | Oct 2, 2015 | $4.00 |
| Sep 27, 2015 | $4.00 | Oct 2, 2015 | $4.00 |
| Oct 4, 2015 | $4.00 | Oct 2, 2015 | $4.00 |
| Oct 11, 2015 | $4.00 | Oct 2, 2015 | $4.00 |
| Oct 18, 2015 | $4.00 | Nov 2, 2015 | $4.00 |
| Oct 25, 2015 | $4.00 | Nov 2, 2015 | $4.00 |
| Nov 1, 2015 | $4.00 | Nov 2, 2015 | $4.00 |
| Nov 8, 2015 | $4.00 | Nov 2, 2015 | $4.00 |
| Nov 15, 2015 | $4.00 | Nov 2, 2015 | $4.00 |
| Nov 22, 2015 | $5.00 | Dec 1, 2015 | $5.00 |
| Nov 29, 2015 | $5.00 | Dec 1, 2015 | $5.00 |
| Dec 6, 2015 | $5.00 | Dec 1, 2015 | $5.00 |
| Dec 13, 2015 | $5.00 | Dec 1, 2015 | $5.00 |
| Dec 20, 2015 | $5.00 | Jan 5, 2016 | $5.00 |
| Dec 27, 2015 | $5.00 | Jan 11, 2016 | $5.00 |
| Jan 3, 2016 | $5.00 | Jan 13, 2016 | $5.00 |
| Jan 10, 2016 | $5.00 | Jan 15, 2016 | $5.00 |
| Jan 17, 2016 | $5.00 | Feb 2, 2016 | $5.00 |
| Jan 24, 2016 | $5.00 | Feb 2, 2016 | $5.00 |
| Jan 31, 2016 | $5.00 | Feb 2, 2016 | $5.00 |
| Feb 7, 2016 | $5.00 | Feb 13, 2016 | $5.00 |
| Feb 14, 2016 | $5.00 | Feb 13, 2016 | $5.00 |
| Feb 21, 2016 | $5.00 | Mar 1, 2016 | $5.00 |
| Feb 28, 2016 | $5.00 | Mar 1, 2016 | $5.00 |
| Mar 6, 2016 | $5.00 | Apr 1, 2016 | $5.00 |
| Mar 13, 2016 | $5.00 | Apr 1, 2016 | $5.00 |
| Mar 20, 2016 | $5.00 | Apr 1, 2016 | $5.00 |
| Mar 27, 2016 | $5.00 | Apr 1, 2016 | $5.00 |
| Apr 3, 2016 | $5.00 | Apr 9, 2016 | $5.00 |
| Apr 10, 2016 | $5.00 | Apr 30, 2016 | $5.00 |
| Apr 17, 2016 | $5.00 | Apr 30, 2016 | $5.00 |
| Apr 24, 2016 | $5.00 | Apr 30, 2016 | $5.00 |
| May 1, 2016 | $5.00 | Apr 30, 2016 | $5.00 |
| May 8, 2016 | $11.05 | May 3, 2016 | $11.05 |
Ask Ngoja a question about this project, share news and photos of your own, or send a simple note of thanks or inspiration.