Expansion of my second hand clothes business


Kisumu, Kenya

100% repaid




Member since

September 2015

On-time repayments

125 installments  •  62%

About Me

I grew up in a rural setting and partly, that has been part of my life all through. Rustic, and literally, down to earth. I helped my grandmother till her land over weekends during school terms and subconsciously, I was being prepared to make farming an integral part of my life yet I didn't know it then.

The climate in my area is generally wet and sunny, and that makes it ideal for farming. With vast lands that is easily accessible through leasing, I opted to make farming part of my life. I raise beans, and sunflower, and some occasional sweet potatoes when the season is right. Besides farming, and making edible oil, I have a clothes business.

When I am not farming, I like travelling and speaking to young students about believing in themselves and pursuing their dreams. Whenever I can, I like making an impact for poor people by buying them household provisions and encouraging them to pick themselves up and transform their lives.

My Business

SInce 2016, I started experimenting with producing sunflower seeds, and later pressing them for oil, which I used, and sold extra to my friends and family. Many people realize the health and nutritional value of sunflower oil and that has inadvertently spiked the demand of this highly valuable oil, and I have experienced the benefits firsthand.

Besides being a substance that helps people stay away from the doctor, it is highly loaded in essential oils that enhance healthy and good living. The inquiries about the oil started flowing in and I realized I could take this venture up and make it work. Unlike the clothes venture that had me employing just 3 people directly, this sunflower oil processing was making me link up directly with over 20 farmers directly. The women in my village plant and sell the seeds to me and this is impacting on families in a big way.

The costs of producing the seeds are modest, with at least $100 going into tilling, planting, weeding and harvesting an acre of the sunflower crop. Some $20 to $100 goes into inputs like seeds and fertilizers for the same size. After processing and the oil and cake is ready for the market, the revenue is about $500.

The profits I have been getting have been used to prop up the venture further, like acquisition of more farming acreage and training potential farmers to embrace the crop. I have been able to also support a kids football team from the proceeds of the business, have my children in school and guarantee flour for one needy and widowed lady around my neighbourhood.

Loan Proposal

With this loan, I intend to acquire at least one more bale, besides my usual, and with the increased procurement, my supplier will have the confidence of adding one more bale to be paid later. With three bales that I will be opening at a go, instead of my usual one, I will guarantee my customers a wide variety of clothing, and will definitely increase my sales as word will spread of my new status. Besides, I will be able to sell my merchandise at lower prices, in the process clothe the less fortunate, and easily break even while increasing sales and profits.

I expect to make profits in excess of USD 150 per bale, and cumulatively, over (at least) USD 450 for the three bales I expect to be acquiring at least once a month, and possibly twice month! So this will be a life changer.






Loan Info

Project Type

Classic Loan

Disbursed amount


Date disbursed

Feb 15, 2016

Repayment status

On Time

Projected term

3 months


Craig Newmark

United States

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