James
Irigu-ini, Kenya
100% repaid
Name
James
Member since
December 2015
On-time repayments
397 installments • 92%
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. As young boys i recall as we went swimming in a river that flows down deep ridges and our parents got worried very much.
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.While there i also studied Electrical science. I got employment in a local maintenance firm that later collapsed. From there i started vending fresh vegetables at Wangige Market near our city Nairobi.
At Nairobi life wasn't easy at all. 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 to save some cash.
In early year 2015 i felt it was time to be an entrepreneur because i was still struggling for my needs. I had enough skills so retreated back to the village where my Mum 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 70 USD. I also pay 170 USD per week to wages of my employees.
I do re-invest my profits in my business, support to my parents and my siblings,also community projects contributions and also buying construction materials for a rental house i keep on developing and adding more units. I also support two elderly women who are about 100 yrs old by visiting them regularly. Of late am also supporting an old Man, a war Veteran through food stuff. I love caring for the needy.
My business operates under the name Jaycobs Electric & Building Services. 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 700 to 900 USD.
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.
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.
Positive
2
Neutral
None
Negative
None
Project Type
Classic Loan
Disbursed amount
$2,242.00
Date disbursed
Apr 15, 2020
Repayment status
On Time
Projected term
18 months
Other loans
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Amount repaid
$2,242.95
Amount remaining
$0.00
Date repaid
Oct 7, 2021
Status
Fully repaid
Expected Payments | Actual Payments | ||
---|---|---|---|
Apr 23, 2020 | $88.69 | Apr 23, 2020 | $88.69 |
Apr 30, 2020 | $88.69 | May 3, 2020 | $88.69 |
May 7, 2020 | $88.69 | May 15, 2020 | $88.69 |
May 14, 2020 | $88.69 | May 19, 2020 | $88.69 |
May 21, 2020 | $19.72 | May 21, 2020 | $19.72 |
May 28, 2020 | $9.86 | May 29, 2020 | $9.86 |
Jun 4, 2020 | $0.00 | ||
Jun 11, 2020 | $11.83 | Jun 6, 2020 | $11.83 |
Jun 18, 2020 | $11.83 | Jun 11, 2020 | $11.83 |
Jun 25, 2020 | $88.69 | Jul 1, 2020 | $88.69 |
Jul 2, 2020 | $10.85 | Jul 9, 2020 | $10.85 |
Jul 9, 2020 | $10.85 | Jul 9, 2020 | $10.85 |
Jul 16, 2020 | $10.85 | Jul 16, 2020 | $10.85 |
Jul 23, 2020 | $10.85 | Jul 30, 2020 | $10.85 |
Jul 30, 2020 | $10.85 | Jul 30, 2020 | $10.85 |
Aug 6, 2020 | $0.00 | ||
Aug 13, 2020 | $0.00 | ||
Aug 20, 2020 | $0.00 | ||
Aug 27, 2020 | $14.79 | Aug 23, 2020 | $14.79 |
Sep 3, 2020 | $14.79 | Aug 23, 2020 | $14.79 |
Sep 10, 2020 | $14.79 | Aug 25, 2020 | $14.79 |
Sep 17, 2020 | $14.79 | Sep 19, 2020 | $14.79 |
Sep 24, 2020 | $14.79 | Sep 26, 2020 | $14.79 |
Oct 1, 2020 | $0.00 | ||
Oct 8, 2020 | $9.86 | Oct 4, 2020 | $9.86 |
Oct 15, 2020 | $9.86 | Oct 4, 2020 | $9.86 |
Oct 22, 2020 | $9.86 | Oct 8, 2020 | $9.86 |
Oct 29, 2020 | $9.86 | Oct 23, 2020 | $9.86 |
Nov 5, 2020 | $9.86 | Nov 8, 2020 | $9.86 |
Nov 12, 2020 | $0.00 | ||
Nov 19, 2020 | $0.00 | ||
Nov 26, 2020 | $8.88 | Nov 24, 2020 | $8.88 |
Dec 3, 2020 | $8.88 | Nov 24, 2020 | $8.88 |
Dec 10, 2020 | $8.88 | Nov 24, 2020 | $8.88 |
Dec 17, 2020 | $8.88 | Dec 20, 2020 | $8.88 |
Dec 24, 2020 | $8.88 | Dec 26, 2020 | $8.88 |
Dec 31, 2020 | $0.00 | ||
Jan 7, 2021 | $11.12 | Jan 9, 2021 | $11.12 |
Jan 14, 2021 | $11.12 | Jan 10, 2021 | $11.12 |
Jan 21, 2021 | $11.12 | Jan 10, 2021 | $0.01 |
Jan 16, 2021 | $0.01 | ||
Jan 17, 2021 | $11.10 | ||
Jan 28, 2021 | $11.12 | Jan 17, 2021 | $0.02 |
Jan 29, 2021 | $11.10 | ||
Feb 4, 2021 | $11.12 | Jan 29, 2021 | $0.03 |
Feb 7, 2021 | $11.09 | ||
Feb 11, 2021 | $16.04 | Feb 7, 2021 | $0.03 |
Feb 15, 2021 | $16.01 | ||
Feb 18, 2021 | $16.04 | Feb 15, 2021 | $0.03 |
Feb 21, 2021 | $16.01 | ||
Feb 25, 2021 | $16.04 | Feb 21, 2021 | $0.03 |
Feb 27, 2021 | $16.01 | ||
Mar 4, 2021 | $16.04 | Feb 27, 2021 | $0.03 |
Mar 4, 2021 | $16.01 | ||
Mar 11, 2021 | $16.04 | Mar 4, 2021 | $0.03 |
Mar 15, 2021 | $16.01 | ||
Mar 18, 2021 | $16.04 | Mar 15, 2021 | $0.03 |
Mar 26, 2021 | $16.01 | ||
Mar 25, 2021 | $16.04 | Mar 26, 2021 | $0.03 |
Mar 26, 2021 | $16.01 | ||
Apr 1, 2021 | $16.04 | Mar 26, 2021 | $0.03 |
Apr 14, 2021 | $16.01 | ||
Apr 8, 2021 | $16.04 | Apr 14, 2021 | $16.04 |
Apr 15, 2021 | $16.04 | Apr 14, 2021 | $0.03 |
Apr 20, 2021 | $16.01 | ||
Apr 22, 2021 | $20.97 | Apr 20, 2021 | $0.03 |
Apr 27, 2021 | $20.94 | ||
Apr 29, 2021 | $20.97 | Apr 27, 2021 | $0.03 |
May 2, 2021 | $20.94 | ||
May 6, 2021 | $20.97 | May 2, 2021 | $0.03 |
May 11, 2021 | $20.94 | ||
May 13, 2021 | $20.97 | May 11, 2021 | $0.03 |
Jun 4, 2021 | $20.94 | ||
May 20, 2021 | $20.97 | Jun 4, 2021 | $20.97 |
May 27, 2021 | $88.69 | Jun 4, 2021 | $88.69 |
Jun 3, 2021 | $11.12 | Jun 4, 2021 | $11.12 |
Jun 10, 2021 | $11.12 | Jun 11, 2021 | $11.12 |
Jun 17, 2021 | $11.12 | Jun 11, 2021 | $11.12 |
Jun 24, 2021 | $11.12 | Jun 18, 2021 | $11.12 |
Jul 1, 2021 | $11.12 | Jul 3, 2021 | $11.12 |
Jul 8, 2021 | $30.82 | Jul 8, 2021 | $30.82 |
Jul 15, 2021 | $30.82 | Jul 18, 2021 | $30.82 |
Jul 22, 2021 | $30.82 | Jul 23, 2021 | $30.82 |
Jul 29, 2021 | $30.82 | Jul 30, 2021 | $30.82 |
Aug 5, 2021 | $30.82 | Aug 5, 2021 | $30.82 |
Aug 12, 2021 | $88.69 | Aug 14, 2021 | $88.69 |
Aug 19, 2021 | $88.69 | Aug 22, 2021 | $88.69 |
Aug 26, 2021 | $88.69 | Aug 30, 2021 | $88.69 |
Sep 2, 2021 | $88.69 | Sep 6, 2021 | $88.69 |
Sep 9, 2021 | $88.69 | Sep 13, 2021 | $88.69 |
Sep 16, 2021 | $88.69 | Sep 22, 2021 | $88.69 |
Sep 23, 2021 | $88.69 | Sep 28, 2021 | $88.69 |
Sep 30, 2021 | $88.69 | Sep 29, 2021 | $88.69 |
Oct 7, 2021 | $88.69 | Oct 6, 2021 | $88.69 |
Oct 14, 2021 | $88.69 | Oct 7, 2021 | $88.69 |
Oct 21, 2021 | $18.21 | Oct 7, 2021 | $18.21 |
Mary Nov 14, 2018
camilberlin Mar 19, 2017
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