Expansion of my snacky shop

Lavender

Ogongo Village, Kenya

100% repaid

Entrepreneur

Name

Lavender

Member since

April 2014

On-time repayments

137 installments  •  47%

About Me

I live in a small village called Ogongo which is in Homabay County in the Southern part of Nyanza.Its easy to find your way to my place of residence once you arrive in Homabay town which is our county headquarters. From the main bus station, there are only two buses namely Mbukinya bus or Acacia bus which ply the route to my place. After boarding from the town center,you use the main Homabay Rd as if heading to Kisii Town . The first turning at the junction indicated as Mbita road and it takes another 45 minute drive to a small shopping centre called Ogongo market and that’s where I reside. On alighting you notice a signboard of Waringa Primary School which is where I teach. I stay in the rented semi permanent houses outside the school at the shopping centre, infact they are the most beautifully painted houses at Ogongo market about five minutes walk from the stage. Door number five is precisely where I live.

My Business

My name is Lavender Kikah . I was born 28 years ago in Nyakach kajimbo. I got married three years ago in Homabay district where I am living with my husband who is also a primary school teacher like me. God has blessed us with one loving son who is now two years old. I went to school at Nyabondo Girls before joining Kisumu Girls High School. Later, I got admitted at Shanzu Teachers Training College in Mombasa where I was trained as a PI teacher. Before being selected to work under Teachers Service Commision who is my employer now, I taught in several primary schools in Mombasa and Kisumu. My present work station is Waringa Primary School in Ogongo Mbita-Homabay district. The first time I was posted to come and work here there was a fellow teacher who had a snack shop where children used to buy things like icecream, popcorns , candies etc. Since she was transferred to another school. The premises has been idle and the children are really suffering , waliking long distances to get refreshments. This is what I intend to rebrand and cut that market of the two schools adjacent to our school here. Start the shop and let it run because there are ready clients. My financial breakdown is as follows:
Rent__________USD 60.
Icecream Vending Machine ____USD 125 .
Popcorn Machine___________USD 100.
Shelves /Partitioning_________USD 50.
1 Employee_________USD 45.
Miscellenous ______USD 80.
Total USD 460
With that amount, I prospect to start the business perfectly well.
Personally I love sports so much so that work with the children a lot during the sports season. This term I was selected to be the games mistress in our school. I fancy the opportunity so much, I have a plan to work and let our school be the best in the inter-schools this season.

Loan Proposal

As i had started the business of selling the snacks for the school going children at a local village where i work, the ccessories seem to be ageing. I now need to buy new imprved cooking and other food utensils to help me get quality food and highly palatable snacks for my clients. due to the fact that i intend to get a larger eating space for them, i shall use the loan for this expansion.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$129.00

Date disbursed

Jul 9, 2016

Repayment status

On Time

Projected term

26 months

Other loans

Lenders

PG

Paul Graham

United States

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  • Robert    Oct 11, 2017

    I am so glad the business is really doing good, thanks to the lenders for helping me to achieve my dreams.

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  • Lavender    Jul 31, 2016

    The school have just closed for the August holidays so the business is going to be down as the pupils who are my main clients will be away for a whole month so i expect the daily returns to go down thus my reason to adjust the schedule.

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  • Lavender    Jul 6, 2016

    I take this opportunity to thank the lenders for sending my loan in a record time. Once i receive the money, i am going to purchase new kitchen accessories and pay for the rent for the new space accquired and then i can engage immediately in doing the work. This will go along way in helping me to sustain my family and repay the loan intime as well. Thankyou very much.

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  • Lavender    Jul 23, 2015

    Hi Zidisha Team, I have tried to apply for my second loan after I had received my first and repaid completely. Initially Kshs 1000 was deducted, now again am reading that another Kshs 3000 is going to be deducted and i must pay it back! Does it mean that for every loan that i apply deductins will apply? Kindly clarify please. Thanks.

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    • Hana B    Jul 23, 2015

      Dear Lavender,

      I am sorry about the confusion. While the first 1000 KES was a registration fee, Zidisha now also asks every borrower to contribute a small fee of 3000 KES towards the Zidisha Members Loan Fund (only once in a life time). Since Zidisha loans no longer carry interest, contributions to the Zidisha Members Loan Fund are used to help protect the value of lending funds against loan losses. You may read more about why we made this change here:http://forum.zidisha.org/threads/zidisha-members-loan-fund.2258/.
      Also, I would just like to say that this discussion boar is primarily aimed for communication with lenders and Zidisha staff can sometimes miss questions by our borrowers here, so I do apologize. Therefore if you have any further questions, please do not hesitate to contact us via e-mail on [email protected]. Thank you.

      Best wishes,

      Hana
      Country Liaison Intern
      Zidisha

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  • Lavender    Feb 11, 2015

    Hi Zidisha, I would like to reapply for my second loan but my account shows i have not completed clearing my current loan, of which I have, kindly review and update my account. Thanks.

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  • Lavender    Dec 9, 2014

    Thankyou Zidisha for helping me start the good business. Am looking foward to applying for my next loan to help me in expansion. May God bless you all,

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  • Rosemary    Sep 30, 2014

    Hi lenders,
    I called this Client and she explained the reason why she could not keep up with the payment. She said she had explained through a text that due to delays in her salary payment though she promised to pay something by 5th of next month.
    Will still communicate to her come that time to find out weather she will have paid or not and see way forward on other available options.

    Thanks
    Manga Rosemary Vm Kenya.

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  • TVandenbosch    Aug 18, 2014

    Dear Lavender, Thank you for your repayment of August 17th. I have received it in good order. Soon you may be up to speed again with your repayments. Well done!

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  • Lavender    May 17, 2014

    Thank you TVandenbosch for completing my loan. be blessed.

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  • Lavender    May 17, 2014

    I welcome your donations Odysseus, Tavin and sclopit towards my project. Thank you.

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  • Lavender    May 16, 2014

    Thank you larry, Neomi, McCoys and FoxyBOA for donating towards my venture. Bless you.

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  • Lavender    May 16, 2014

    Hallo good people - adaniels85, spareshade and TrademarkMan, thank you for the donations that you have given me. Be blessed.

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  • Lavender    May 15, 2014

    Thank you goodwithoutgod andTVendenbosch for your donations. I really appreciate.

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