Inventory of kitchen utensils, bowls, and basins for bakery
Joyce
Zowerani, Kenya
100% repaid
Entrepreneur
Name
Joyce
Member since
August 2012
On-time repayments
86 installments • 64%
About Me
I am Joyce Fondo. With my husband and children we have a baking business in Tezo, Kilifi County, on the Kenyan Coast. With the help of the family, we bake breads and cakes; however, it is difficult for the business without a larger and more efficient oven. With the help of a business class run by a local NGO, I realized the Zidisha loan would allow me to purchase a commercial size oven, made by a local craftsman, which will allow up to 100 loaves of bread at a time, reducing costs and increasing profitability.
My graduation photo from the Business Skills class is included on this webpage. In class we learned about business finance, marketing and how to write a business plan.
My husband and I are retired schoolteachers. We also volunteer as Community Health Workers, a program in Kenya that brings health education and outreach to the local villages. Presently, our family income is supplemented by selling produce.
My Business
The nearest town, Kilifi, is 12 kilometres away, so there are opportunities to sell fresh bread locally in Tezo and north. Our customers do not have to travel to Kilifi to buy bread. We also have weddings and other celebrations that need our cakes. Having a larger oven will help us to meet the demand for bread, cakes and expand to other items. This will make our baking profitable
Loan Proposal
The JoyFo Bakery is still successful but I want to add a business selling kitchen utensils, bowls and basins. This can add to our income without adding extra labour costs. We can sell these items along with the scones and roses at the local market.
My third born, Sam will be getting married soon and this extra helps to provide for the big wedding! God bless you my lenders
Feedback
Positive
4
Neutral
None
Negative
None
Loan Info
Project Type
Classic Loan
Disbursed amount
$420.00
Date disbursed
Jul 1, 2015
Repayment status
On Time
Projected term
14 months
Other loans
Lenders
Southampton, United Kingdom
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Zwijnaarde, Belgium
Washington, DC, United States
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United States
United States
United States
South Africa
Taiwan
New Zealand
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Summary
Amount repaid
$438.87
Amount remaining
$0.00
Date repaid
Aug 24, 2016
Status
Fully repaid
Repayment History
| Expected Payments | Actual Payments | ||
|---|---|---|---|
| Jul 12, 2015 | $8.28 | Jul 10, 2015 | $8.28 |
| Jul 19, 2015 | $8.28 | Jul 10, 2015 | $2.03 |
| Jul 17, 2015 | $6.25 | ||
| Jul 26, 2015 | $8.28 | Jul 17, 2015 | $4.06 |
| Jul 24, 2015 | $4.22 | ||
| Aug 2, 2015 | $8.28 | Jul 24, 2015 | $6.09 |
| Aug 2, 2015 | $2.19 | ||
| Aug 9, 2015 | $8.28 | Aug 2, 2015 | $8.12 |
| Aug 14, 2015 | $0.15 | ||
| Aug 16, 2015 | $8.28 | Aug 14, 2015 | $8.28 |
| Aug 23, 2015 | $8.28 | Aug 14, 2015 | $1.88 |
| Aug 21, 2015 | $6.40 | ||
| Aug 30, 2015 | $8.28 | Aug 21, 2015 | $0.81 |
| Aug 28, 2015 | $7.46 | ||
| Sep 6, 2015 | $8.28 | Aug 28, 2015 | $2.85 |
| Sep 12, 2015 | $5.43 | ||
| Sep 13, 2015 | $8.28 | Sep 12, 2015 | $8.28 |
| Sep 20, 2015 | $8.28 | Sep 12, 2015 | $6.91 |
| Sep 18, 2015 | $1.37 | ||
| Sep 27, 2015 | $8.28 | Sep 18, 2015 | $8.28 |
| Oct 4, 2015 | $8.28 | Sep 18, 2015 | $0.66 |
| Sep 28, 2015 | $7.62 | ||
| Oct 11, 2015 | $8.28 | Sep 28, 2015 | $2.69 |
| Oct 5, 2015 | $5.59 | ||
| Oct 18, 2015 | $8.28 | Oct 5, 2015 | $4.72 |
| Oct 12, 2015 | $3.56 | ||
| Oct 25, 2015 | $8.28 | Oct 12, 2015 | $6.75 |
| Oct 23, 2015 | $1.53 | ||
| Nov 1, 2015 | $8.28 | Oct 23, 2015 | $8.28 |
| Nov 8, 2015 | $8.28 | Oct 23, 2015 | $6.69 |
| Nov 10, 2015 | $1.59 | ||
| Nov 15, 2015 | $8.28 | Nov 10, 2015 | $8.28 |
| Nov 22, 2015 | $8.28 | Nov 10, 2015 | $6.63 |
| Dec 8, 2015 | $1.65 | ||
| Nov 29, 2015 | $8.28 | Dec 8, 2015 | $8.28 |
| Dec 6, 2015 | $8.28 | Dec 8, 2015 | $8.28 |
| Dec 13, 2015 | $8.28 | Dec 8, 2015 | $2.41 |
| Dec 23, 2015 | $5.87 | ||
| Dec 20, 2015 | $8.28 | Dec 23, 2015 | $4.44 |
| Jan 16, 2016 | $3.84 | ||
| Dec 27, 2015 | $8.28 | Jan 16, 2016 | $6.47 |
| Feb 1, 2016 | $1.80 | ||
| Jan 3, 2016 | $8.28 | Feb 1, 2016 | $8.28 |
| Jan 10, 2016 | $8.28 | Feb 1, 2016 | $0.23 |
| Feb 8, 2016 | $8.05 | ||
| Jan 17, 2016 | $8.28 | Feb 8, 2016 | $2.26 |
| Feb 20, 2016 | $6.02 | ||
| Jan 24, 2016 | $8.28 | Feb 20, 2016 | $8.28 |
| Jan 31, 2016 | $8.28 | Feb 20, 2016 | $6.32 |
| Feb 27, 2016 | $1.96 | ||
| Feb 7, 2016 | $8.28 | Feb 27, 2016 | $8.28 |
| Feb 14, 2016 | $8.28 | Feb 27, 2016 | $0.07 |
| Mar 14, 2016 | $8.21 | ||
| Feb 21, 2016 | $8.28 | Mar 14, 2016 | $2.10 |
| Apr 9, 2016 | $6.18 | ||
| Feb 28, 2016 | $8.28 | Apr 9, 2016 | $4.13 |
| Apr 16, 2016 | $4.14 | ||
| Mar 6, 2016 | $8.28 | Apr 16, 2016 | $6.16 |
| Apr 25, 2016 | $2.11 | ||
| Mar 13, 2016 | $8.28 | Apr 25, 2016 | $8.20 |
| Apr 30, 2016 | $0.08 | ||
| Mar 20, 2016 | $8.28 | Apr 30, 2016 | $8.28 |
| Mar 27, 2016 | $8.28 | Apr 30, 2016 | $1.95 |
| May 7, 2016 | $6.33 | ||
| Apr 3, 2016 | $8.28 | May 7, 2016 | $8.28 |
| Apr 10, 2016 | $8.28 | May 7, 2016 | $6.01 |
| Jul 8, 2016 | $2.27 | ||
| Apr 17, 2016 | $8.28 | Jul 8, 2016 | $8.28 |
| Apr 24, 2016 | $8.28 | Jul 8, 2016 | $8.28 |
| May 1, 2016 | $8.28 | Jul 8, 2016 | $8.28 |
| May 8, 2016 | $8.28 | Jul 8, 2016 | $8.28 |
| May 15, 2016 | $8.28 | Jul 8, 2016 | $8.28 |
| May 22, 2016 | $2.22 | Jul 8, 2016 | $2.22 |
| May 29, 2016 | $0.00 | ||
| Jun 5, 2016 | $0.00 | ||
| Jun 12, 2016 | $0.00 | ||
| Jun 19, 2016 | $0.00 | ||
| Jun 26, 2016 | $0.00 | ||
| Jul 3, 2016 | $0.00 | ||
| Jul 10, 2016 | $0.00 | ||
| Jul 17, 2016 | $6.70 | Jul 19, 2016 | $6.70 |
| Jul 24, 2016 | $6.70 | Jul 19, 2016 | $3.61 |
| Jul 25, 2016 | $3.09 | ||
| Jul 31, 2016 | $6.70 | Jul 25, 2016 | $6.70 |
| Aug 7, 2016 | $6.70 | Jul 25, 2016 | $0.52 |
| Jul 29, 2016 | $6.19 | ||
| Aug 14, 2016 | $6.70 | Jul 29, 2016 | $4.12 |
| Aug 5, 2016 | $2.58 | ||
| Aug 21, 2016 | $6.70 | Aug 5, 2016 | $6.70 |
| Aug 28, 2016 | $6.70 | Aug 5, 2016 | $1.03 |
| Aug 24, 2016 | $5.67 | ||
| Sep 4, 2016 | $6.70 | Aug 24, 2016 | $6.70 |
| Sep 11, 2016 | $6.70 | Aug 24, 2016 | $6.70 |
| Sep 18, 2016 | $3.81 | Aug 24, 2016 | $3.81 |
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