Expand my polythene selling business

Purity Sidi Kalama

Ongata Rongai, Kenya

20% repaid

Entrepreneur

Name

Purity Sidi Kalama

Member since

June 2014

On-time repayments

235 installments  •  46%

About Me

I am a Kenyan citizen from a family of 7 children (3 girls and 4 boys), am the second born child to Mr. and Mrs. Boniface Kalama currently living and working in Mtwapa - Kilifi County. am married to Mr. Jimmy Musembi from Mariakani and with him i have one child - Michael Muthami. i attended Shimo -la- tewa primary school and later joined St. Teresa secondary school for my secondary education. it was at TEAAC that i received my diploma in aeronautical engineering after studying for 3 years. i currently work for MAF-Kenya as a technical records personnel.

My Business

After getting my first baby, my expenses went up, I had to get a house-help - because am a full time employee - plus relative and friends come visiting once in a while to see the baby. My monthly expenditure kept on going up, but unfortunately my salary did not go up in the same proportion. I decided it is time to start a business to supplement my salary. I thought of starting a business which I can manage with the little time I have - that is when am not at work, and something that is not perishable and not bulky - that can fit well in my house without necessarily having to rent a place - I decided to start selling polythene bags. I have a business Idea!!!! I even have orders..!!! where do I get the capital?? I approached a friend of mine to help me raise the capital....and guess what??? she introduced me to ZIDISHA, what perfect timing??!!
I intend to repay the loan that ZIDISHA will avail to me using my salary until the business starts earning enough profit to sustain itself. I have my trust on ZIDISHA to make my dream of starting my own business a reality.

Loan Proposal

when I got my second loan I wanted to employ someone to help me out. but the demand was to high that I had to invest all the money in increasing the stock. the demand is really increasing and am always expected to deliver polythene bags when am at work. I therefore need to employ someone who will be able to deliver when am work. I will use part of the loan to increase stock and part of it for two month salary for my employee as I await the business to start paying for the salary.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$269.01

Date disbursed

Mar 1, 2016

Repayment status

Late

Projected term

61 months

Cost to entrepreneur

Service fee: $11.14

Purity Sidi opted to pay $107.96 into the Zidisha Members Loan Fund in return for a higher starting credit limit.

Lenders

C

Christian

Saarbruecken, Germany

mbunifu

San Jose, United States

COOPITALIST

Toronto, Canada

DeanDropshot

Oslo, Norway

ErikN

Stockholm, Sweden

Scott

Oregon, United States

F

FHult

Stockholm, Sweden

R

Roman

Barcelona, Spain

johnandmoliehi

Canton, New York, United States

AnnaChristina

Pittsburgh, United States

B

briansedz

Canton, Ohio, United States

A

anonymous123

United States

G

graememoss

Amsterdam, Netherlands

SeeMeeFi

Ontario, Canada

Myrar

Aarau, Switzerland

mtnsailor

Harrisonburg, United States

rfriedenberg

New Jersey, United States

8

8chrono8

London, United Kingdom

fairspirit

Utrecht, Netherlands

S

shanebrett

Dundalk, Israel

W

wally

Torino, Italy

K

kingcamo1095

Mountain Home, United States

B

BMcDermott

Washington, DC, United States

K

khassi

AinEbel, Lebanon

O

OrientExpress

Tokyo, Japan

C

Clben7

Cincinnati, United States

M

Mystery15

Winnipeg, Canada

K

kristina19

United States

M

martyb

United States

M

Malibu

Westwood, United States

J

Jonas

Linköping, Sweden

P

plhughes

United States

Landerson

Edinburgh, United Kingdom

B

bugdaniel

Switzerland

mepster

San Francisco, Ca, United States

L

luckiestmonkey

United States

G

Gavin

New Zealand

S

satheajay

United States

Matthias Schulz

Berlin, Germany, Germany

A

andreab

United States

K

Kristiina

All Countries

Torsten Schreiber

Frankfurt, Germany

AA

Adam Atlas

Montreal, QC, Canada, Canada

Paul

Auckland, New Zealand

DR

Derek R

Australia

WH

Walter Hill

United States

W

Wade

United States

Elly

Woudrichem, United Kingdom

jtreyes

United States

JM

John Meserve

United States

Max Lettenberger

Madison, WI, United States

Julia

United States

JT

JW Tabacchi

United States

Kevin

San Francisco, United States

Crystal

Ohio, United States

JC

JD Conley

United States

KD

Kent Don

United States

BS

Bruno Silva

United States

V

Vivek

Arlington, VA, United States

JD

Jeff DePree

United States

DS

Donna Sbisa

United States

Oliver Hasenberg

Iserlohn, Germany

Marcus M

San Antonio, Texas, United States

ME

Manaal Eisa

Washington DC, United States

CV

Cathy Via Reque

Romeoville, United States

NO

Nancy Owen

United States

B

Brent

United States

Solon Brown

Singapore, Singapore

Martin Nielsen

Aarhus, Denmark

JA

Jonathan A.

United Kingdom

M

Mart

United Kingdom

SJ

S.G.R. Judson

United Kingdom

T

Trish

Hong Kong

Rosario von Li

San Jose, Ca, United States

A

Andrei

United States

M

Mark

United States

Christopher Hey

Sudbury, Canada

JC

Justin cohan

United States

S

stevensau

United States

YV

Yuri Vanin

United States

MF

Marissa Fiore

United States

H

Huub

Switzerland

DK

Danny Kelly

United States

JC

juli camrud

United States

Pedro

Meilen, Switzerland

RC

Rudi Chen

United States

SB

Sue Bucholz

Sacramento, United States

JB

John Brown

United States

C

Cora

Switzerland

HPK

Switzerland, Switzerland

K

K

United States

JA

Jan Andresen

Hamburg, Germany

ED

em degu

United States

M

mani

United States

K

Katharina

Germany, Germany

SH

Stephanie He

United States

Marius Lohri

Switzerland

ES

Evan Simons

United States

JG

Jake Gibson and Beverly Picardo

San Francisco, United States

Ask Purity Sidi a question about this loan project, share news and photos of your own, or send a simple note of thanks or inspiration.

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  • Purity Sidi Kalama    Mar 30, 2016

    Am reducing my weekly installment from 300 to 100 Kenya shillings so that I can make on time repayments until my business is stable enough.

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  • Purity Sidi Kalama    Mar 1, 2016

    thanks Amos.

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  • Amos Shutu    Feb 28, 2016

    Hi sidi Congratulations for paying your loan fully and early.. I wish you prosperity with your business..

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  • Purity Sidi Kalama    Nov 27, 2015

    My mother has been ill for some time, unfortunately we lost her on 13th November. May her soul find peace with the Lord.

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  • Purity Sidi Kalama    Oct 16, 2015

    My business is progressing well, am almost finishing repaying my loan. Am planning to take another one once am done with the current one to further expand my bussiness.

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  • Amos Shutu    Oct 13, 2015

    Congratulations for your good organisational skills.. With a positive approach in everything behind it is a success . Keep it up.. Amos VM Mtwapa

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  • Purity Sidi Kalama    Oct 3, 2015

    My business is progressing well, am waiting for the current stock to run out, when I get the money, I increase the stock and clear the loan so that I can take another one. Thank you my lenders for your support.

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  • Purity Sidi Kalama    Aug 7, 2015

    I got alot of orders, so i had to use the money intended for use to repay the loan, to buy my stock.
    once they are all sold out and paid..... i will increase the limit to finish this loan fast and apply for another one.

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  • Purity Sidi Kalama    Jul 16, 2015

    my business is doing great and expanding.......... i now need to employ someone competitive to handle the orders because i can not handle it with my full time job. i need to repay the loan fast so that i can take another loan.

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  • Purity Sidi Kalama    May 28, 2015

    thank you my lenders for funding my loan on time.......i will use the loan to increase my stock and pay the loan back within the shortest time possible to increase my credit limit.

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  • Purity Sidi Kalama    May 22, 2015

    I really appreciate the contribution that my lenders have put in to ensure that my loan is fully funded.
    i will use the loan to increase my stock. the loan will not be enough to rent out a place and hire someone... so i will try my best to pay the loan in the shortest time possible so that i can apply for a larger amount.
    May God bless my lenders. Thank you.

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  • Purity Sidi Kalama    May 7, 2015

    A big thank you to my lenders for financing my first loan and helping me achieve my dream of starting my polythene selling business. The business has picked up, I have many orders that I can not handle from my place and alone. I have successfully managed to fully repay the first loan and I now request my lenders to fund my second loan.

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  • Purity Sidi Kalama    May 4, 2015

    my business has stabilized and grown, i need to repay this loan in full so as to take another bigger loan for the business expansion.

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  • tricia190    Dec 13, 2014

    Thank you for your ongoing and on time repayments Purity Sidi . I hope this means that your business is doing well . I send you all good wishes x

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  • JillV    Oct 15, 2014

    Congratulations on reaching 10% repaid! How is the bag business going? :-)

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  • Purity Sidi Kalama    Aug 15, 2014

    i have a good friend whose wife was involved in a road accident, she sustained major injuries that required immediate surgery, the surgery was not to be done until he pays a down payment of 200,000. (two hundred thousand) shillings at that time he had used up all his money and he could only afford to raise a maximum of 100,000 (one hundred thousand) shillings, we tried asking friend for help in raising the funds but we only raised 20,000 (twenty thousand).
    we also did a small fund raising and raised 50,000 (fifty thousand) shillings.
    he had exhausted all options of raising the fund, so i had to chip in and add the remaining amount.
    that happened yesterday. so now i do not have enough money to continue with my initial repayment schedule.

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    • JillV    Aug 29, 2014

      I hope your friend's wife is able to get the surgery and returns to good health. Please let us know how your business is doing as well.

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      • Purity Sidi Kalama    Sep 5, 2014

        my business is doing good. i managed to supply the orders that i had received, though the payment is not instant - most of my customers pay later. but am grateful all the same.
        thank ou

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      • Purity Sidi Kalama    Sep 5, 2014

        my business is doing good. i managed to supply the orders that i had received, though the payment is not instant - most of my customers pay later. but am grateful all the same.
        thank ou

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  • Purity Sidi Kalama    Aug 7, 2014

    Thanks to all who encouraged me, my first payment has been posted on my account.

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  • SeeMeeFi    Aug 4, 2014

    I'm sure that they will post it on the appropriate date when they get it updated! Glad to hear that your business is doing well and that you've started your repayments! Congratulations, Purity!

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  • tricia190    Aug 4, 2014

    Hi Purity,
    Found this on the 'Frequently Asked Questions' page .. hope it helps to stop you from worrying :-

    How do I know my repayment is received?
    ''Repayments received are posted on your loan profile page within three business days. If you sent a payment and it is not posted on your profile within three business days, please send an email to [email protected] with your payment amount, date and transaction ID number so that we may locate it.''

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  • Purity Sidi Kalama    Aug 4, 2014

    How long does it take for loan repayments to be reflected on ones' account?
    FL18LG572 Confirmed. Ksh482.00 sent to Zidisha Inc. for account 600201 on 1/8/14 at 6:37 PM.

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