Add M-Pesa and expand stock in my household products shop

Victor

Enosaen, Kenya

100% repaid

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How it Works

Entrepreneur

Name

Victor

Member since

July 2013

On-time repayments

165 installments • 99%

About Me

PERSONAL PROFILE
I accept God as my personal saviour.I'm married and blessed with lovely children. I'm a Kenyan citizen hailing from Kisii county. I'm also a farmer, entrepreneur and a servant to many including but not limited to my society. I strive to make positive impact in the society to develop and nurture talents. Together as team we shall make our world a better place for ourselves and other generations to come.

My Business

About my business
It is not always easy but I always strive to get the very best from it. Capital is my single biggest constraint but I appreciate the little which have been blessed with to maximize the the best from it. Prudent capital management is my ultimate goal in the long run. Any grant or loan accorded at a reasonable cost will be deployed and managed effectively in order to maximize returns.

Loan Proposal

Dear Lenders,
I salute you all. I intend to invest almost 80% of your funds in opening a new line of business within my rented premises. If funded, I want to start a M-Pesa business which will give me a return of not less than 10% of my investment. I also intend to restock my shop as follows:

Description USD
M-Pesa business 773
Airtime 97
Locally assorted juices 145
15 Crates of 500ml Sodas 155
20 Crates of 500ml Sodas 116
10 Bales of Cooking flour 116
10 Bales of Baking flour 145
100 Litres cooking oil 193
Detergents 193
Total 1,932
If funded, I expect to make at least 40% of the entire investment as my gain. I always endeavor to make my payments on schedule.

Much regards,
Victor Mogoi Mose

Show original English

About Me

My Business

Loan Proposal

Dear Lenders,
I salute you all.
I intend to invest almost 80% of your funds in opening a new line of business within my rented premises. If funded, I want to start Mpesa business which will give me a return of not less than 10% of my investment. I also intend to restock my shop as follows:-
Description Usd
Mpesa business 773
Airtime 97
Locally assorted juices 145
15 Crates of 500ml Sodas 155
20 Crates of 500ml Sodas 116
10 Bales of Cooking flour 116
10 Bales of Baking flour 145
100 Litres cooking oil 193
Detergents 193
Total 1,932
If funded i expect it to make at least 40% of the entire investment as my gain.
I always endeavor to make my payments on schedule.
Much regards

Victor Mogoi Mose

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Loan Info

Project Type

Classic Loan

Disbursed amount

$1,115.00

Date disbursed

Mar 1, 2017

Repayment status

On Time

Projected term

10 months

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M
Mary Dec 13, 2017

I hope you and your family have a wonderful festive season Victor!

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Victor Jan 7, 2017

My dear Lenders.
Happy new year all.
I'm delighted by your simple ways of helping me in particular to secure my financial freedom. Your financing is making this a dream come true. I will always be committed to my obligations when they fall due.
I'm happy to be associated with Zidisha.
regards
Victor Mogoi Mose.

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Victor Feb 4, 2016

Dear Zidisha, Management,
Good morning all,
First and foremost, I will like to acknowledge our good relationship which we have developed for the last two years.
For all that period, I have consistently repaid my loans on schedule and to some extent increased my installments to complete my loans either on time or earlier than anticipated.
For my first time since joining Zidisha, I will like to reduce my installment to kes 1,200. I hard a patient in hospital and paid a substantial amount from my business. This will affect my cash inflows for at most three months. After that i will resume to my normal rate or even increase it slightly so that i complete my loan on schedule. I hope and trust that my request will be granted.
Thanking you in advance.
Victor Mogoi Mose

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Victor Dec 30, 2015

To my dear Lenders,
I honestly thank you for financing my loan. I will use the loan as earlier planned to increase my stocks so that I can make good sales on this new years eve.
I promise also to make my payments as per the schedule.
Wishing you all a happy, healthy and prosperous new year 2016.
Best regards
Victor Mogoi Mose.

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Victor Dec 19, 2015

Dear Lenders,
I greet you all,
I once again request you to finance my loan which if fully financed will be entirely used in financing my retail shop re-stocking for this x-mas season. Sales are always high at this period more especially when there is sufficient merchandise. Due to this high demand I intend to capitalize on this for my business gain.
For this reason, I humbly request my dear lenders to finance this investment so that i can achieve my objective.
I intend to buy the following merchandise from this funding.
1. 5 bags of 50 kg sugar at a cost of Usd 200.
2.10 crates of 500 ml sodas at a cost of usd 83
3. 10 crates of 300 ml sodas at a cost of usd 59
4.12 bales of 24 kg baking flour at a cost of usd 153
5.10 bales of 24 kg cooking flour at a cost of usd 118
6.20 kg golden cooking fat at a cost of usd 70.
7.5 bags of 50 kgs rice at a cost of usd 120.
8.20 pieces of 5 litres cooking oil at a cost of usd 100.
9.20 pieces of 3 litres cooking oil at a cost of usd usd 75
10. 10 crates of loaves of bread at a cost of usd 94.
From this stock, i intend to make a net return of us 85 per stock cycle. This will improve my business worthness by the same margin hence speeding my goal to financial freedom at long run.
I promise that i will honour my obligations on due dates as planned.
I look forward for a postive and feedback from all my dear lenders.
Wishing you all merry christmas and prosperous new year 2016 in advance.
Best regards
Victor Mogoi Mose

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Victor Oct 25, 2015

To My Lenders,
I greet you all.
I'm pleased to inform you that my stock has increased by almost 50%. I attribute this to your cheap and easy to access credit from you. I believe and trust in the next two years my stock will double. From your last loan which i'm currently servicing, I have done three stock turnovers. I averagely make a net gain of usd 40 from each stock sold. This translates to almost usd 120. The cost of this loan including transaction cost almost usd 30. As at to date from that loan i have gained more than usd 110.
I really thank you for this and promise to repay my loans on schedule so that i can continue gaining from your cheap and easy to access facility.
God bless Zidisha lenders and management at large.
regards
Victor Mogoi Mose.

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Victor Sep 12, 2015

To My Lenders,
Let me take this opportunity to thank you once again. I must appreciate your good effort of lending me your resources so that I can also improve my standard of living and also be financially independent at long run. I have managed to complete my second stock cycle and I expect my third cycle stock from your funding next week. My net returns are commendable from your investment on me. I see myself turning my retail shop to a mini wholesale before 2018 as I planned.
May you all be blessed abundantly as you keep on keeping on changing lives of many day by day.
Victor Mogoi Mose.

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Victor Sep 12, 2015

To My Lenders,
Let me take this opportunity to thank you once again. I must appreciate your good effort of lending me your resources so that I can also improve my standard of living and also be financially independent at long run. I have managed to complete my second stock cycle and I expect my third cycle stock from your funding next week. My net returns are commendable from your investment on me. I see myself turning my retail shop to a mini wholesale before 2018 as I planned.
May you all be blessed abundantly as you keep on keeping on changing lives of many day by day.
Victor Mogoi Mose.

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Victor Jul 10, 2015

To my all Lenders,
Let me confirm that i received your funds and i have invested the entire amount in my shop. I utilized to increase my stock levels as i planned.
I once again thank you all for your continued support to my projects which will in turn make me realize my dreams of being financially independent. I also commit myself to repay it as per the schedule.
Be blessed abundantly
Victor Mogoi Mose.

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Victor Jul 3, 2015

Dear Lenders,
I once again feel loved and appreciated. I real appreciate your continued support to my projects which will in turn make me achieve my goals.
I once again reiterate that i will repay my loan as per the schedule.
Much regards
Victor Mogoi Mose

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Victor Jun 18, 2015

Dear Zidisha Management.
I greet you all.
First and foremost, let me appreciate your services of making me and the rest of other borrowers access credit facilities without necessarily providing collateral's. I have benefited a lot from your facility and will be grateful to continue benefiting so that i can realize my dreams. My retail business is doing well but i will like it to do better in future. Traditionally i was facing so much stock outs in my business. Currently i can authoritatively confirm that my stocks are almost stable. My last loan indeed helped me a lot. From that loan i have done three stock cycles and my fourth cycle will be done this coming Sunday. Stocks bought with your facility is fetching kes 3500 net of all expenses. This will translate to kes 14,000 increase in my investments. I intend to fairly increase my stocks from early July 2015 to add some products which i currently don't have. Due to this, I humbly request to repay my loan balance within three weeks so that i can clear it.
After clearing my loan, I will immediately apply for funding and if financed fully will make me achieve this short term goal.
I will be grateful if my request will be granted.
Thanking you all and be blessed all.
Victor Mogoi Mose

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Victor Jun 2, 2015

To My beloved Lenders,
I really appreciate for your continued support. Your loans have real made my business improve in a great way. My stocks are almost stabilizing.I real appreciate your assistance and look forward to achieve my ultimate goal through your facility.
Be blessed all.
Much regards
Victor Mogoi Mose

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Victor Mar 30, 2015

To my dear Lenders,
I will like to thank you in a special way for financing my loan in a record of two days. You real made me realize my dream. I see my business satisfying market demand within a year from now. which I thought i will achieve in two years. I confirm to my dear lenders that i rarely have stock outs. This has drastically reduced stock out costs. My stock is now almost stable for my retail shop.
Thank you all my lenders and may you be blessed abundantly.
Much regards
Victor Mogoi Mose.

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Victor Mar 16, 2015

To my Lenders,
Thanks a lot for funding my loan in less than one week. This shows a lot of trust in me in the long run. I still and will still remain committed to my repayment schedule.
I real feel humbled by this gesture. Indeed my plan will go as per my schedule. I feel great.
God bless Zidisha and above all my lenders.
Yours faithful
Victor Mogoi Mose

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Victor Mar 10, 2015

Dear Lenders,
I'm humbled and privileged to be a member of your team. Your loans are really really changing my life for a better one day by day. My business is flourishing gradually due to your lending. I'm certain that my business can service your loans leaving my salary intact for other investments.
Yours sincerely
Victor Mogoi Mose

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Victor Mar 7, 2015

To All Zidisha Lenders & Management.
I wish to thank my lenders and Zidisha management. Your loans are improving my retail business day by day. I anticipate to change my current to shop to a wholesale and retail shop in the next two years.
Much regards
Victor Mogoi Mose.

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Victor Feb 13, 2015

Dear Lenders,
I really appreciate the fact that your loan which I'm currently servicing made my business grow after investing almost everything in farming. The margin I'm getting from my sales is able to service the loan hence repayment is so easy for me.
Special thanks to Zidisha Team.
Regards
Victor Mose.

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Victor Jan 13, 2015

I would like to increase my installment to kshs 2000 because i have have harvested my produce which i heavily invested from the loan you granted me. I really appreciate and thank the Zidisha team for helping me from inception of the project to completion stage. i also intend to service this loan as soon as i can without neccessarly affecting my inflow so that i can also another loan to top up my business and also start a project by April this year. I Would also wish to finish my loan before end of March 2014. I anticipate to incur huge costs for the new project in March and April this year. I have thought it wise that i plan for my next loan if financed fully to my new project.
regards
Victor Mose.

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jan73 Dec 25, 2014

Good wishes for health, joy, and prosperity to you and your family in 2015!

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- Victor Dec 27, 2014
  
  Thanks Madam,
  Wishing you also all the best in year 2015. I really appreciate your support to my business. God bless.
  regards
  Victor Mose
  
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Victor Jul 10, 2014

Photograph of my red onions shamba.

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Add M-Pesa and expand stock in my household products shop

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