Inventory of electrical items, plastic wares & protective equipment

James Chege

Irigu-ini, Kenya

100% repaid

Entrepreneur

Name

James Chege

Location

Irigu-ini, Kenya

On-time repayments

269 weekly installments  •  95%

About Me

I am the second born son in a family of four. My younger two siblings are girls whom we used to cook for with my older brother as our parents went to work.
I was brought up in a tiny village Central Kenya, Mount Kenya region.I started basic education in a local school and cotinued to primary education. During that period we used to take great risks as young boys as we went swimming in a river that flows down deep ridges.
Later i went to Thika town for my secondary education at Thika High School.
Later i went to study Aircraft Maintenance course in our city Nairobi at Wilson Airport and got a certificate in engine & airframe. I got employment in a local maintenance firm.
At Nairobi life was so difficult for me considering the salary was too little for my needs. At some point i decided to live in the slums because good rooms were so expensive to rent. So i moved to Dandora slums. I even went a step further to walking half distance to work and half by bus.I had to sacrifice with an aim of getting enough skills in workshop jobs, maintenance work and electronics diagnosis.
In the early year 2015 i felt it was time to be an entrepreneur because i was still struggling for my needs. I had enough skills. I went back to the village where my mother gave me a small room to establish a workshop at home. Life was so hard trying to establish myself until ZIDISHA came to my rescue where i got a loan to rent a big workshop in our local shopping center where i have grown steadly. Thanks to all Lenders.
Every year i pay 70 USD to our local county authority for business licence and a monthly rent of 50 USD. I also pay 120 USD to wages of my employees.
I use my profits to re-invest in my growing business, supporting my parents and my younger sister whenever they may be in need, and also buying construction materials for a house am planning to build in nearby future. I also support the needy in our society whenever there are contributions conducted. I also support two elderly women who are about 100 yrs old by visiting them regularly.
Last month i had a colourful wedding made possible by my business , thanks to all my dear Lenders.

My Business

My business operates under the name Jaycobs Electric. I operate a workshop and a sales section where we sell electrical fittings, lightings, conduits, electronics repair, and offer consultations.
In the workshop we do electrical and electronics repair, mechanical repairs and installations.
In average we make a monthly profit of 600USD.

Loan Proposal

My loan application comes at a time that the world is facing the containment of the covid 19 virus. During this time our capital city and various regions of Kenya are under restricted movement including my county of residence and business.
We are doing business as usual although we are not allowed to go beyond the bourders of our county. Here in central Kenya we are putting all protective measures as laid down by the government.
With the loan i will do inventories on my Electrical shop supplies, portable handwashing equipments,disinfectants, and protective masks. I have put a section in my Electrical shop to supply my community with those added protective equipments because i have learnt that most people are lacking these supplies near them because the public transport system has almost been stopped by the authorities in central Kenya. Stocking these additional items in my business will not only help the community get them easily but also help curb the spread of the virus in our villages.
My electrical shop and repair work business is doing very well owing to the fact that many people are spending at home since no much movements, therefore am doing much services and maintenances. By addind the sale of protective equipments i will boost my business income as well.
I predict my business profit will increase by KHS 3000 per week.

Income Source

It is true many businesses are not able to operate due to the covid 19 outbreak. As a result many people are at home. In my community and area of my business majority of people are Avocado farmers and also do dairy farming. Their products are still being supplied to the markets and there is cash flow. Many kids being at home they are being kept calm by television entertainments and therefore am doing more servicing , maintenances and a number of installations every week.
Am also comfortable taking the loan because i have also been doing a little poultry keeping business at home which earn me extra money as a side business. On top I have a room in my home compound that i lent out.

Feedback

2

None

None

  • Mary    Nov 14, 2018

    James is an excellent Zidisha Borrower. He sets a clear business plan and strives to fulfill the needs of his community. I recommend lending for his future loans!

    Log in to reply • Share
  • camilberlin    Mar 19, 2017

    Paid back full and on time, and let us know how he is doing. On top of it he is a volunteer mentor. Will lend again any time. Recommended!

    Log in to reply • Share
    • James Chege    Mar 24, 2017

      Thank you very much for making my dreams come true. Am aiming higher.

      Log in to reply • Share


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Loan Info

Project Type

Classic Loan

Disbursed amount

$2,242.99

Date disbursed

Apr 15, 2020

Repayment status

On Time

Projected term

18 months

Cost to entrepreneur

Service fee: 10% of $2,242.99 = $201.66

Credit risk payment: $403.33

Lenders

K

Kondonassis

Bridgton, United States

W

WilsonLending

Atlanta, United States

M

marvin24

Giessen, Germany

J

Jason

New Jersey, United States

Brian

Midhurst, Canada

R

Raabo

Rungsted, Denmark

investor

Candiac, Canada

davelowe100

Perryville, United States

YB Song

Seoul, Republic of Korea

AltruisticSelfishnes

Chicago, United States

lietu

Tallinn, Estonia

P

ploeger

Perkasie, United States

D

Debock

Dresden, Germany

LA

United States

Kjartan

Oslo, Norway

ZlataRoy

Cheltenham, United Kingdom

T

Tallago3

Munich, Germany

R

Roman

Barcelona, Spain

Pere

Barcelona, Spain

D

DRSZ73

Portsmouth, United Kingdom

BJ

Brandon Joz

North Carolina, United States

E

Elisa

Espoo, Finland

Apmay

Melbourne, Australia

B

briansedz

Canton, Ohio, United States

Tavin

Ottawa, Canada

KirstenShute

Montreal, Canada

C

chrisherron

Chicago, United States

tasos

hove, United Kingdom

P

Pengetilafrika

Mårslet, Denmark

W

Walker

San Antonio, Tx, United States

K

KDeath

Dublin, Ireland

SHRFamily

Vancouver, Canada

Erica

Caledon, Canada

G

glomardor

Leonardtown, United States

Cloudways

Malta, Malta

J

JoJoHouse

New Castle, United States

G

Goodwill

Oakland, United States

P

Prysdahl

Marshall, United States

Ingela

Falun, Sweden

H

halisi

assenede, Belgium

P

Peksa

Espoo, Finland

J

jerryq

Redding, United States

C

cngilkd

gaithersburg, United States

D

dweiner

Madison, United States

A

Andy

Berlin, United States

nakamura

United States

C

cardiff

Falls Church, United States

joaoferraz

RINCHOA, Portugal

P

prehders

Hamburg, Germany

J

JohnH

Livonia, Michigan, United States

JTShorty

Gorham, Maine, United States

G

Goldrivermob

Gold River, Canada

K

kjustad

Asker, Norway

Treesforpeople

Oxfordshire, United Kingdom

O

ocnis

Seattle, United States

JFais

Atlanta, United States

JOKer

Weisendorf, Germany

O

Ohio

Ohio, United States

JonB

London, United Kingdom

H

Habroukema

Austin, United States

ibc123

Seattle, United States

xtrahardware

Cazenovia, United States

markpearson

Portsmouth, United Kingdom

lizandsteve

guelph, Canada

Freewolf

Salt Lake City, United States

MrMichigander

Marquette, United States

iggwag

Kilifi, Kenya

O

ormung13

Christchurch, New Zealand

mikeice

Kohler, United States

P

Purplejeep

Moravia, United States

sderickson

Berkeley, CA, United States

pvilliger

Zurich, Switzerland

M

Malibu

Westwood, United States

MalcolmL

San Francisco, United States

KrautFunding

Hamburg, Germany

R

roozbeh

United States

J

Jonas

Linköping, Sweden

R

rossgarlick

United States

S

suraj_sindhia

United States

S

spivurno

United States

D

DandS

United States

N

nswanberg

United States

M

merk85

United States

B

bugdaniel

Switzerland

bb4dogs

United States

T

TrademarkMan

United States

G

gsh589

United Kingdom

S

sarah4d2

Saint Louis, United States

C

charleen

United States

mepster

San Francisco, Ca, United States

chriseyre

Fremont, Ca, United States

J

jsbisa

New Orleans, Louisiana, United States

TyWee

Manila, Philippines

B

bscent

Hong Kong

Scangaid

Pittsburgh, United States

V

vbud

United States

D

DStateDDB

United States

W

wesbh89

United States

J

JonAlec

United States

Grant Xavier Storer

Seattle, Wa, United States

Suman

Gold Coast, Australia

K

Keith

Luxembourg

T

theleengwist

United States

utdream

United States

S

satheajay

United States

Per Dahl

Norrköping, Sweden

TheGoodData

London, United Kingdom

B

beegkitty

United States

T

thehigginsons

United Kingdom

K

Kristiina

All Countries

SK

Sebastian Krohn

Amsterdam, Netherlands

S

Sven

Netherlands

Helmut Bachmayr

Munich, Germany

UN

Uwe Neumann

Frankfurt Germany, Denmark

Jeroen Decock

Gent, Belgium

Dave Bogard

New York, United States

Karijn

Amsterdam, Netherlands

A

Aurelija

United Kingdom

R

Robert

Berlin, Germany

MZ

Matt Zirwas

United States

Mark

Nijmegen, Netherlands

MD

Miles Dodge

CORVALLIS, United States

SMOICE

Berlin, Germany

MW

Matt Willis

United States

W

Wade

United States

Herbert Morin

United States

Kate Courteau

United States

SK

Stefan Kruell

Muenster, Germany

Craig

Memphis, TN, United States

Lou Kaucic

Sanbornton, NH, United States

Richard

Shrewsbury, United Kingdom

T

thedan33

Czech Republic

Kristin Rhodes

Kansas City, Kansas, United States

moursund

Beaver Nation, United States

RM

Roxane Milot

Gatineau, Québec, Canada

Kevin

San Francisco, United States

JC

JD Conley

United States

I

Ian

United Kingdom

Jennifer Weber

Canandaigua, Ny, United States

ME

Manaal Eisa

Washington DC, United States

CNV

United States

TH

tom hd

United Kingdom

Pedro R-C

Cambridge, United States

R

Rembrandt

United Kingdom

PR

Paul Rausch

United States

Danny Su

United States

RV

Rob Van Dam

United States

N

Nick

United States

GT

Gowan Tervo

United States

Aran Dunlop

United States

Akirahugo

Dortmund, Germany

Paul Smithson

Leeds, United Kingdom

AK

Achim Königs

Bonn, Germany

P

Peter

Bratislava, Slovakia

Taylor

Memphis, United States

Wayne G

United States

GN

Gabriel N

Switzerland

AV

Alex Victor

Scottsdale, United States

DM

Dimitri Malarme

Brussels, Belgium, Belgium

SH

Steven Huntington

London, United Kingdom

PC

Pedro Cambra

United Kingdom

Thomas

Sweden, Sweden

CC

Chris Cutter

United States

L

LK

United States

T

Tom

United States

GG

Gituru Gitumbi

Seattle, United States

Nick

Manchester, United Kingdom

V

Vidar

Oslo, Norway

P

Phips

Switzerland

I

isaac

United Kingdom

RC

Rudi Chen

United States

Madeleine

Switzerland

roark22

Geneva, Switzerland

B

Boris

Bern, Switzerland

SB

Sue Bucholz

Sacramento, United States

MB

Mark Blatter

United States

WL

William Lisa

United States

NG

Nick Gorrell

Surfers Paradise, Queensland, Australia

N

Nancy

United States

M

Maiia

United Kingdom

RH

Robert Hamner

United States

BR

Bob Reus

Netherlands

W

Wim

Netherlands

SA

Steve A

Newbury, United Kingdom

Angela Linwood

Minneapolis, Minnesota, United States

A

AJ

United States

EB

Erika Barraza

United States

United States

Kevin

United States

RG

Ravi Gadad

United States

Bill Ballew

Kansas City, Missouri, United States

Zack Stein

United States

JA

Jan Andresen

Hamburg, Germany

LZ

Li Zhang

United Kingdom

Sinan Taifour

Munich, Germany, Germany

johannes

Taipei, Taiwan

Rick

United States

AJ

Abby jones

United States

Bart Vogelzang

Ladysmith BC, Canada

James

London, United Kingdom

SA

Shar Alamdari

Los Angeles, United States

SP

Svetlin Panayotov

Targovishte, Bulgaria

EW

Eli Weiss

United States

J

jeananne

United States

MJ

Morgan Jones

United States

J

Jon

United States

I

ibaer

Germany

RE

Richard Ellis

United Kingdom

L

Lucy

Australia

F

Frank

United States

S

Suzannah

New York City, United States

Craig Travis Provyn

Bradenton, Florida, United States

M

Marama

Australia

chessplayer

Berlin, Germany

R

Robert

Chicago, United States

Cora and Andi

Frankfurt, Germany

JA

Joshua Axtell

United States

Richard Benyon

United States

JV

Jose Vidal

New York, United States

Day Family

Melbourne, Australia

AH

Ari Helgason

United Kingdom

VC

Victor Chong

United States

Grégoire

Zurich, Switzerland

BE

Bob Ewing

United States

RH

Robert Harris

United States

Shane Bugeja

Mankato, Minnesota, United States

JZ

Julia Zaks

United States

R

Ryan

Albuquerque, NM, United States

BP

Bill Piper

United States

Ellen

Michigan, United States

Ken

Mequon, WI, United States

M

Mark

Toulouse, France, France

D

Dalton

San Francisco, United States

CJ

Chris Jones

Seattle, United States

DW

David Westmoreland

Colorado Springs, Colorado, United States

Melissa K

Portland, Oregon, United States

Dean Suminski

Portland, Oregon, United States

Diane U

Olympia, Wa, Usa, United States

Jean Wren Chan

United States

Adam Fraser

Cambridge, United Kingdom

Samuel

Ottawa, Canada, Canada

GS

Gary Sinard

Franklin, TN, United States

EC

Edward Conrads

San Francisco, United States

M

Marco

Napoli (Italy), Germany

Helper

United States

Menno

Adelaide, Australia

PS

praful shah

United States

C

Corrie

United States

KK

Kurt Kellner

United States

M

Mack

Harbor, Oregon, United States

Doron Elinav

Ramat Gan, Israel

TP

Tirzah Prince

United States

JF

J Fister

United States

John Sercel

Florence, United States

AS

Amy Shearer

United Kingdom

A

Arian

Belgium

Philipp Lehmann

Zurich, Switzerland

France

R

RMIM

United States

A

Aaron

United States

Alex

Virginia, United States

KA

Khaled Asmri

Saudi Arabia

A

Anabell

Elizabeth, United States

Mike

Indianapolis, United States

DW

Dan Winetsky

United States

Martha Fleury

Bethesda, MD, United States

WC

Walter Clarke

Phoenix, United States

JH

Joseph Hwang

Houston, United States

S

SD

Japan

P

Peter

United States

L

Liam

New Zealand

Katja

Switzerland

Maggie Rouse

Cheyenne, Wyoming, United States

Tyler Metcalf

Utah, United States

Jane

Ontario, Canada

S

Sandi

Ocean Shores, Australia

AM

Anupama Mann

United States

AT

Amy Truong

Honolulu, United States

F

Florian

Netherlands

JW

Jeslyn Wegner

United States

Keith Chan

Toronto, Canada

AS

Ajay Sharma

United States

A

Alex

United States

ZS

Zach Silveira

Asheville, Nc, United States

John Barnett

United States

EB

Emily Barnes

United States

S

S

Canberra, Australia

JH

Jane Hanford

United Kingdom

Sean Richards

Wilmette, United States

Nethanel Kohen

NYC, United States

B

Bartl

United States

GA

Gabe Arnold

United States

daniel

maryborough, Australia

A

Anonymous

United States

ST

Sarah Turner

United States

BA

Burf and Patsy

St. John's, Canada

HB

Hugo Boss

United Kingdom

H

Hayley

Australia

AW

Annie W

United States

LM

Laurie Menke

United States

MC

Melissa Corrigan

Richmond, California, United States

ML

miriam levine

United States

JM

Josh Menke

United States

JM

Joe Menke

United States

L

Laea

Canada

C

Corran

United Kingdom

Carrie

Arlington, MA, United States

JS

jackson silvey

United Kingdom

F

freytsis

United States

SL

Sue L

Singapore

MW

Matt Winkler

United States, Canada

SS

Sam Smith

United States

EB

Elijah Bialik

United States

MP

Michael Poley

United States

BB

Brad Brunz

United States

petter

Finland

RS

Russel Stanbery

Columbia, United States

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