Planting pawpaw and passion fruit trees

Lilian

Miwani, Kenya

100% repaid

Entrepreneur

Name

Lilian

Member since

July 2013

On-time repayments

313 installments  •  96%

About Me

My name is Lilian Kikuvi. I am in my mid 40s. My business is 7years old. Its not a big business but it provides for my basic needs. i have not managed to expand it greatly but i have managed to educate, build, farm, meet daily needs though my business. i like it so much.

i've come a long way from beginning with a single printer to buying several and going for reasonably good business with a reliable flow of customers.

My Business

My business started in 2011. I started with one computer, a printer, and a camera. I used to do computer services like typing, online services, computer trainings, taking & production of photos & photocopying.

The services offered are:
Typing, Printing, Photocopy, Scanning, Lamination, Binding, photography, making & printing of certificates , making of students cards online services like Ghris, KRA, emails, both opening of accounts and teaching, mobile phone charging, selling of stationery

Photographic: it’s my best business at the moment. It’s very quick service with low costs but a good profit.

Printing: Normally we print after typing or saved information in flash disks, or we download from the internet. This is also another profitable service. We charge 10 for every page printed, and sometimes we can print up to 50 pages in a day giving 500/-.
Internet services: We charge according to the time spent. The minimum amount being 10/-.
There are several online services required like production of payslips for civil servants, teachers, opening of e-mail accounts , production of pin & tax certificates, downloading needed information, etc

Scanning, Lamination & Binding.
This are one time jobs. They are not daily jobs, but they have good
profits. E.g scanning of 1 document is 30/-.

Lamination uses abit of electricity. We charge 50/- per copy, and the profit made is about 30/-.
Binding charges depend on the volumes and the profit is minimal.

On a normal day, I make a profit of about 800/-. This is not constant as in other days I can make a profit of over 2000/-. It varies between those ranges

Challenges
I mostly depend on electricity for 99% of my work. When there’s no electricity, or frequent power blackouts, I am out of business.

Prices change. Sometimes the prices of stock goes up & down. When up, we are not able to increase the prices as customers diminishes, so we are forced to stick to the normal prices to avoid losing customer and we therefore get lesser profits.

Current challenges & growth
normal business challenges but have managed to cope.

I would now like Zidisha to help me buy a water tank for my house.
The rainy season is almost here and i do not have enough water storage tanks, being in a semi-arid locality.

Kindly consider my request.
Thanks in advance.

Loan Proposal

i have prepared my land for,planting of pawpaw trees and passion fruits. The seedlings costs @ksh.60/-. planting of about 50pawpaw trees and 15 passion fruits will cost approx ksh.4000/-.
Ksh.6000/- is for labour and buying of fertilizer.
i have applied for Ksh.13000/-, but will only get ksh.9600/- after the interest charged. I hope this amount will be loaned to me.
Kind regards,
Lilian

My Videos

Jul 5, 2021: Application for funding

Feedback

10

None

None

  • nicole    Feb 15, 2020

    My SECOND loan to Lilian - still great! I would definitely lend to you again!

    Log in to reply • Share
  • nicole    Oct 28, 2019

    Lilian paid on time & I would gladly lend to her again!!

    Log in to reply • Share
  • Don Williams    May 26, 2019

    Lilian, you have done well on this loan, your repayments have gone on to help others. Ta.

    Log in to reply • Share


Loading...

Loan Info

Project Type

Classic Loan

Disbursed amount

$128.00

Date disbursed

Dec 4, 2019

Repayment status

On Time

Projected term

2 months

Lenders

nicole

Worcester, Ma, United States

Jason

Auckland, New Zealand

Tom Eggert

Madison, United States

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

Please log in to comment.

  • Lilian    Oct 12, 2022

    My dear Zidisha lenders, I am aware of my late payments in the current loan which i am servicing. It also pains me, this being the first time that i have defaulted. Kindly bear with me as i continue slowly paying. My husband's employment was terminated, and with this current financial crisis and drought we're experiencing in Kenya, i have become the sole bread winner and fee school payer for my children in school..
    I promise to fully pay my loan up to completion, Kindly permit me to keep paying small bits every week up to completion.
    Thanks and i appreciate Zidisha for the loan given.

    Log in to reply • Share
  • Lilian    Sep 30, 2022

    I got some emergencies at home and at the same time the business profits drastically went down with the closing of schools. I am slowly recovering with the schools having opened and will manage to pay all the loan due.

    Log in to reply • Share
  • Lilian    Aug 16, 2022

    Thanks so much my dear lenders.
    I will manage to buy a binding machine and do some maintenance to my machines. thanks alot

    Log in to reply • Share
  • Lilian    Aug 9, 2022

    Thanks so much my dear lenders. i managed to do maintenance for my photocopier.
    i now apply once again to add stock to my business and do some minor repairsI
    I look forward to a positive response.

    Log in to reply • Share
  • Lilian    Apr 27, 2022

    Thanks my dear lenders for funding my project.
    i will do maintenance to my copier and printers.
    i really do appreciate.
    thanks, Lilian.

    Log in to reply • Share
  • Emmanuel    Apr 22, 2022

    Accepty few offer please. ThankS

    Log in to reply • Share
  • Lilian    Apr 22, 2022

    Thanks so much my backers for the amount you loaned me.
    I managed to buy a printer which has been of so much benefit to me.
    I once again thank you so much.

    Log in to reply • Share
  • Lilian    Jul 12, 2021

    Thanks alot dear lenders. I will buy a machine that costs apprx.Ksh.25,000(Kenyan money).
    i really do appreciate Zidisha.

    Log in to reply • Share
  • Lilian    Feb 23, 2021

    Thanks my dear lenders for your kind support.
    you have always been of great help to me

    Log in to reply • Share
  • Lilian    Oct 6, 2020

    Thank you dear lenders for the loan.
    It will go into good use towards my business.
    Regards

    Log in to reply • Share
  • Lilian    Sep 3, 2020

    I really need a loan to boost my business. The re-payment period, the credit risk make the loan unaffordable.
    I wish Zidisha can extend their repayment period and the credit risk for each loan. Why can't they make a way of customers saving with them to avoid default or create relationship?

    Log in to reply • Share
  • Lilian    Mar 26, 2020

    Dear Zidisha, I have cancelled my loan as I cannot afford to make payments at this time due to the lock down from the corona virus menace.
    Pls refund my MLF/CR for house use at this time that I am out of business. Once my business picks, I will consider loan application for developments. Thanks alot, Lilian

    Log in to reply • Share
  • Lilian    Feb 25, 2020

    Thank you dear lenders for the previous loan. It was of great help towards my farming project. I planted maize and beans and the production was good. I appreciate

    Log in to reply • Share
  • Lilian    Dec 3, 2019

    Thanks my lenders for the loan. It will help me do the planting of my seedlings as requested.

    Log in to reply • Share
  • Lilian    Oct 29, 2019

    Hallo dear lenders, thanks alot for the loan you gave. I've managed to pay it back within the stipulated time frame.
    I am really grateful, my water tank has been of great help within that 1 year of operation.

    Log in to reply • Share
  • Lilian    Aug 6, 2019

    Zidisha, update your records. Payment was made on 5/8/2019. I am getting a message requesting for the same.
    Attached is the Mpesa screenshot for the payment made.

    Log in to reply • Share
  • Lilian    Nov 16, 2018

    The reason for this application is because schools are on holiday. The flow of my customers who are normally from the surrounding schools drastically reduces with closing of schools. In Mid January once schools open, i'll re-adjust upwards.
    Thanks

    Log in to reply • Share
  • Lilian    Oct 31, 2018

    Thanks a lot my dear lenders. A photo of me next to the tank which i purchased after I topped the difference of the money you loaned me. The tank costed Ksh.70,000/-Thanks a lot, i appreciate.

    Log in to reply • Share
  • Lilian    Oct 18, 2018

    Thanks Joost for your consistent replies to my concerns. You were so concerned. Thanks alot.

    Log in to reply • Share
  • Lilian    Oct 18, 2018

    Thanks my dear lenders for funding me. I really appreciate. I'll top up to buy a 10000ltrs tank worth ksh. 70000k.thanks again.

    Log in to reply • Share


Loading...

Loading...

Loading...