Epson printer

Joyce

Njoro, Kenya

100% repaid

Entrepreneur

Name

Joyce

Member since

August 2013

On-time repayments

289 installments  •  59%

About Me

My name is Joyce W. Kamau, third born in a family of eight. I am a Kenyan, born and raised in Njoro in Nakuru County formerly in the Rift Valley Province. I am 36yrs old. I live within Njoro town. I run a Computer Bureau opposite Njoro Police Station that involves photocopying, typing, printing, binding, scanning, lamination and stationery selling. I am a teacher by profession and also have trained on computer applications. I started the computer bureau because of various primary and secondary schools within the area hence the need for computer services. Also the district and division headquarters of Njoro are situated near the area about 200m away, creating an opportunity to serve more customers within the area due to high demand of the same services. The business is located in a strategic position because it is near the main road which is easily accessible and the place is highly populated. From the earnings of the business I am able buy printing papers, lamination porches, other stationeries like envelopes and pens, paying for repair and maintenance cost of the copier machine and computers, pay salary to my two dear assisting staff and any other expenditure that may arise. I am a committed lady, time conscious and passionate in whatever I do. Also considers myself to be a risk taker and a fast learner who loves challenges in life.

My Business

My business name is Blessed Hands Computer Services situated within Njoro town. I offer majorly typing, printing and photocopying services to my customers. Also other services offered includes; lamination, binding, scanning and selling of office stationeries. There is demand for these services because the business is surrounded by both private and public primary and secondary schools. Also there is a polytechnic within the area. There is also a public university in the same region. All these institutions require my business services like exams and manual photocopying, printing and binding of assignments and projects. My customers prefer my business over the others in the region because of good customer services offered by me and my two employees, fast and efficient services, good communication skills and reasonable charges to services offered. The business is profitable because it caters for all my needs at all the times. My business risk is breakdown of the machines where sometimes the technicians take a longer time to avail themselves in repairing them. Also the cost of buying stationeries varies with hard economic times. Security is taken care because we are directly opposite the police station. Also the work premises are taken care of by a night watchman. From the earnings of my business am able to pay my rent, cater for my basic needs and assist in paying my nephew’s school fees who is in college. I would like to expand my business by adding two computers that will help my customers to browse efficiently without any interruptions. If given the loan I will repay it using the earnings from my business.

Loan Proposal

First I thank all my previous lenders for their generosity and trusting me with their funds. I was able to add two computers to My Blessed Hands Computer Services business in my home town. With that first loan I can confidently say I am a step ahead in my future plans. From the earnings of my business am able to pay my rent, cater for my basic needs and assist in paying my nephew’s school fees who is still in the second year of college. I am requesting for a second loan to buy an Epson Stylus Photo R290 series colour printer. The printer will help me and the customers in printing good quality coloured documents. The three in one small printer I currently have is wearing out and I need a replacement. The Epson printer I ought to buy is economical and the six inks used are easily available and affordable. Its durability span is more compared to the small one. The machine costs Kenya Shillings 33,000/-. I will top up the rest of the amount with the savings from my business. I promise to be faithful and punctual in repayment of the loan. Once again to all the Zidisha organization lenders, God bless you abundantly. Thank you in advance.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$273.00

Date disbursed

Nov 17, 2014

Repayment status

On Time

Projected term

18 months

Lenders

investor

Candiac, Canada

F

Fiodal

Helsinki, Finland

T

treyh

San Diego, CA, United States

Scott

Oregon, United States

Zidisha

Sterling, United States

M

mogensh

København V, Denmark

Cloudways

Malta, Malta

M

Mårten

Inden, Switzerland

ads68

Melbourne, Australia

O

Oscart

Edmonton, Canada

postnihilist

Honolulu, United States

Cricketca

San Jose, United States

E

E

Marin county, United States

Walterlo

West Hollywood, United States

Matching Fund

Sterling, United States

G

geoff

United States

M

meric

Australia

Paul Buchheit

Mountain View, United States

J

jay12

Germany

Agerfar

Aarhus, Denmark

Loungin

United States

P

PC

United States

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  • Joyce    Jan 13, 2018

    My reason for change in the installment is that I cannot afford to do for now because am assisting my sister in paying schools for her daughter who is joining secondary school in form one. Immediately I stabilize i promise to get back to my payment installments. Thanks Zidisha.

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  • Joyce    Nov 11, 2017

    I bought a HP laptop. Am now able to reduce my workload. Thank you Zidisha Team.

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  • Joyce    Sep 22, 2017

    I will buy HP Core i5 laptop. I can do my extra work anywhere I want. I can use the laptop without electricity at home. I wish to be carrying the laptop at home to do extra online assignment and this will reduce the workload so that am able to fulfill my customers expectations and timely delivery of their needs. Thank you so much to all my Lenders. I promise not to fail you in my repayments schedule. May God bless you.

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  • Joyce    Sep 15, 2017

    With my heavy duty "Atlas" Book Binding Machine am able to bind faster and more books at a shorter period because the binder is able to hold large number of papers at once unlike the small binding machine. As a result more and more customer are being referred to me hence my daily earnings increase day by day. The binder is still in good condition and well taken care of. Thank you lenders.

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  • Joyce    Jul 5, 2017

    I plan to change the payment installments because i have been paying school fees for my nephew who is in a boarding school. Trying to balance the payments and the day to day basic needs have been difficult due to economic hard times. When things get well i will definitely revert to my usual installments. Thanks you.

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  • Joyce    Jun 20, 2016

    Thanks to all my seventy three(73 No.) Lenders. I am grateful to you all. I promise to be punctual and faithful in paying the loan. God bless you all.

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  • Joyce    Jun 14, 2016

    Thank you Wissam. I promise not to fail you

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  • Joyce    Jun 9, 2016

    My 1½ yrs Epson Stylus Photo R290 series colour printer has helped me and the customers in printing out good quality proposals, letters, reviews and other important documents like photos, wedding cards, funeral programs etc. It produces sharper images. It is fast and outputs clean. The cost of maintaining it is cheaper on ink usage compared to the small printer which was using ink cartridges that were not refilled. With the earnings of my business am able to pay my rent, cater for my basic needs and assist in paying my nephew’s school fees who is still in college third year (Grade III) doing Electrical and Electronics. Also as the business flourishes am able to save more for investment such as buying shares. Moreover am able to visit my parent (mother) often who lives upcountry. Thanks again to you all Zidisha lenders.

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  • Joyce    May 17, 2016

    Wow! I am almost finishing paying my second loan. Quite a good effort. Am many steps ahead.

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  • Joyce    Apr 5, 2016

    Dear all Lenders, God has been faithful so far. My family and business are doing alright. I can now be able to purchase my stock conveniently due to increase in sales. Thanks to Zidisha Team for the support.

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  • Joyce    Oct 8, 2015

    To all my lenders. Thanks for the support so far. I am fairing well with my work. God is continuing showering blessings upon our life day by day.

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  • Joyce    Mar 18, 2015

    My business is doing fine. My Epson Printer is still working on well without any problems. Thanks again to Zidisha

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  • Henry    Feb 23, 2015

    congratulation joyce wangari in your business.

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  • Joyce    Jan 17, 2015

    Hello to all my lenders. Thanks for the support so far. I was able to purchase an Epson Printer with the cash rendered. I am now able to print quality print outs and my customers are more happy. I promise to be faithful in the repayment of the loan as was with the first loan. God bless you all

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  • Joyce    May 16, 2014

    The business is doing fine. With more customers am able to have a increase in the income.

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  • Joyce    Mar 20, 2014

    Thanks so much to all my lenders. God bless you abundantly. I was able to buy the two computers i desired. I topped up the given loan with my savings. Now my customers are able to browse more efficiently and without interruptions.

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