Name
Joshua
Member since
February 2014
On-time repayments
348 installments • 78%
Have really grown, Born in 1981 in a rural area named Manga scheme in Nyamira county of Nyamira County - Kenya. Married to a lovely and supportive wife Catherine blessed with two Kids, in July 2016 I lost my little sister who had a 8 year old daughter. We decided to take her as our own. Now we are parents to 2 beautiful girls and 1 handsome boy. The girls want to be doctors so we can be treated at home while the boy wants to be a police officer to arrest all those who mistreat the mum.
After my primary and secondary education I joined Thika Institute of technology for a Diploma course in Information technology for three years. I later got a Job and worked for 5 months without pay. But then on a positive side I gained experience on various things (computer repair, networking and installation).
In 2007 a friend loaned me two computers and from savings I started a cyber café which has grown to over 15 computers today.
In March 2014 a friend introduced me to Zidisha and I was awarded 150 dollars, which I brought webcams. My profit margin grew and I got new clients, Have made more friends from my list of clients.
In life have learnt a lot of lessons. Of late my 1st and only employer is one of my best client. Sometimes we Joke how he never paid me even after making alot of profits on installation for him.
At first (2014) my cyber café offered services ranging from provision of internet services, computer services, Networking and installation, Phone application installation and later after receiving loans from zidisha, The cyber is far better then when it started. It now owns a two photocopy machines, Bbetter printers, a digital
camera and a generator machine all brought from funds and interest loaned from Zidisha, the profit margin grows dispute the daily challenges
PROFITS
I hired a 1 acre land for 4 years (starting Jan 2015) at a cost of ksh 7000 per year. in this land have been planting maize and groundnuts and it has an added advantage since i don’t buy maize flour any more (Form the profits i brought building materials).
Have also been paying school fee per year, something that was impossible before.
I started a poultry project which had a few challenges, when I started it was a little hard since I was buying the feedings but since the chickens are laying eggs now I don’t have much problem in feeding them plus am getting eggs for my family and a little. profit to add up to the cyber business.
From the chicken and cyber profits have managed start building my three bed roomed house which is half way (flooring and finishing)
I am very much thankful for the privileged opportunity that Zidisha lending community has extended to me and to my entrepreneur this is indeed in another great opportunity that this loan is going enable my expansion of the business that am doing. This first loan that am going to get from Zidisha am going to get Stationery materials for my cyber cafe customers and also get a few webcams to my computers so that customers can get digital images when communicating.
Positive
2
Neutral
None
Negative
None
Project Type
Classic Loan
Disbursed amount
$150.00
Date disbursed
Mar 11, 2014
Repayment status
On Time
Projected term
6 months
Other loans
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Amount repaid
$154.06
Amount remaining
$0.00
Date repaid
Jun 5, 2014
Status
Fully repaid
Expected Payments | Actual Payments | ||
---|---|---|---|
Mar 21, 2014 | $5.71 | Mar 19, 2014 | $5.71 |
Mar 28, 2014 | $5.71 | Mar 27, 2014 | $5.71 |
Apr 4, 2014 | $5.71 | Apr 3, 2014 | $5.71 |
Apr 11, 2014 | $5.71 | Apr 3, 2014 | $0.18 |
Apr 11, 2014 | $5.53 | ||
Apr 18, 2014 | $5.71 | Apr 11, 2014 | $0.35 |
Apr 17, 2014 | $5.35 | ||
Apr 25, 2014 | $5.71 | Apr 17, 2014 | $2.88 |
Apr 25, 2014 | $2.82 | ||
May 2, 2014 | $5.71 | Apr 25, 2014 | $2.88 |
May 1, 2014 | $2.82 | ||
May 9, 2014 | $5.71 | May 1, 2014 | $5.71 |
May 16, 2014 | $5.71 | May 1, 2014 | $3.24 |
May 8, 2014 | $2.47 | ||
May 23, 2014 | $5.71 | May 8, 2014 | $5.71 |
May 30, 2014 | $5.71 | May 8, 2014 | $3.59 |
May 15, 2014 | $2.12 | ||
Jun 6, 2014 | $5.71 | May 15, 2014 | $5.71 |
Jun 13, 2014 | $5.71 | May 15, 2014 | $3.94 |
May 22, 2014 | $1.76 | ||
Jun 20, 2014 | $5.71 | May 22, 2014 | $5.71 |
Jun 27, 2014 | $5.71 | May 22, 2014 | $5.71 |
Jul 4, 2014 | $5.71 | May 22, 2014 | $5.71 |
Jul 11, 2014 | $5.71 | May 22, 2014 | $5.71 |
Jul 18, 2014 | $5.71 | May 22, 2014 | $5.71 |
Jul 25, 2014 | $5.71 | May 22, 2014 | $5.71 |
Aug 1, 2014 | $5.71 | May 22, 2014 | $2.82 |
May 29, 2014 | $2.88 | ||
Aug 8, 2014 | $5.71 | May 29, 2014 | $5.71 |
Aug 15, 2014 | $5.71 | May 29, 2014 | $5.71 |
Aug 22, 2014 | $5.71 | May 29, 2014 | $5.71 |
Aug 29, 2014 | $5.71 | May 29, 2014 | $0.79 |
Jun 4, 2014 | $4.92 | ||
Sep 5, 2014 | $5.71 | Jun 4, 2014 | $5.71 |
Sep 12, 2014 | $5.71 | Jun 4, 2014 | $5.71 |
Sep 19, 2014 | $5.71 | Jun 4, 2014 | $5.58 |
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