Fees for my education

Lucy

Nairobi, Kenya

8% repaid

Entrepreneur

Name

Lucy

Member since

January 2015

On-time repayments

144 installments  •  31%

About Me

My name is Lucy Gatobu. I grew up in the Meru rural area. After I finished my form four, I came to Nairobi City to do my diploma in Information Technology with Jomo Kenyatta University of Agriculture and Technology and I am now pursuing a BSc. in Information Technology.

Life has never been easy. I started my business so that I could pay my school fees, since there are other siblings behind me and they are still in school and I am the second born. Even with my degree, I could have graduated in 2013 but I had to take a break to look for money then go back. I started my first business, a kiosk, when I was 19 years old in order to survive while I was doing my diploma.

The unique thing about the area where my business is that it is located within Nairobi University and my clients are students. I am always updated with technology since my customers are the digital generation.

I have a daughter who is 10 years old and she would like to be architect when she grows up. She is also very smart in mathematics and designing. My unique hobby is reading the bible so serious, as if I am going to do an exam.

That [in one of the photos] is my daughter: she is in grade 5 at Agah Khan Junior School Nairobi. She is the one who lenders paid for her trip and she was very happy. Thank you very much, lenders.

My Business

My business is a cyber cafe that is located within the University of Nairobi. The business sells goods like photocopy papers, all types of envelops and stationary.
The services my business offers: typing, printing, photocopying, binding, scanning, Internet and computer maintenance.

These goods and services are in a very high demand since the students require them for smoother learning. They will always need to photocopy the notes, books, typing of the assignments and also internet usage.

On average, the business operations on a costs of 18,000.00 Kenya shillings with a monthly sales of between 30,000-45,000. The profit margins are at 100,000.00 shillings. The loan will be invested into the business to buy more cyber equipment like a photocopy machine and improving working conditions and environment.

Loan Proposal

I hereby thank you very much for the support you have given me and my family. I would like to borrow more loan but this time i will use the loan to pay my fees for my education. I am pursuing degree in Bachelor of Science in information technology am in my final year. This money will help me so much since i had started my degree 2009 and due to lack of finance i dropped out when i was in my final year. I have two semester remaining which i have paid 40,000 thousand shillings and the balance which is 40,000 thousand shillings because per semester i pay 80,000 thousand shillings. After i graduate i will be able to secure a good job for me and also achieve my dream. I did my diploma for information technology from Jomo Kenyatta University of agriculture and technology in 2007. Thank you and God bless you.

Show original English  

About Me

My Name is Lucy Gatobu grown up in Meru rural area after I finished my form four I came to Nairobi City to do my Diploma in information Technology with Jomo Kenyatta University of Agriculture and Technology and now pursuing BSc. in Information technology. Life has never been easy that how I started my business so that I will pay my school fees since there other siblings behind me and they are still school and I am the second born. Even my degree I could have graduated 2013 but since I had to break to look for money then go back. When I started my first business I was 19 years for a kiosk In order to survive while I was doing my diploma.
The unique about the area where my business is located within Nairobi University and my clients are students. I am always updated with technology since my customers are digital generation.
I have a daughter who is 10yrs and she would like to be architect when she grows up. She is also very smart in mathematics and designing. My unique hobby is reading the bible so serious as if I am going to do an exam.
That is my daughter she is in grade 5 at agah khan junior school Nairobi. She is the one who lenders paid for her trip and he was very happy. Thank you very much lenders.

My Business

My business is cyber cafe which is located within University of Nairobi. The business sells goods like photocopy papers, all types of envelops and stationary.
The services my business offers: Typing, Printing, Photocopy, Bidding, Scanning, Internet and Computer Maintenance.

These Goods and services are in a very high demand since the students require them for smoothing learning. They will always need to photocopy the notes, books,typing of the assignments and also internet usage.

On average, the business operations on a costs of 18,000.00 Kenya shillings with a monthly sales of between 30000-45000 the Profit margins are at 100,000.00 shillings. The loan will be invested into the business to buy more cyber equipment like photocopy machine and improving working condition environment.

Loan Proposal

I hereby thank you very much for the support you have given me and my family. I would like to borrow more loan but this time i will use the loan to pay my fees for my education. I am pursuing degree in Bachelor of Science in information technology am in my final year. This money will help me so much since i had started my degree 2009 and due to lack of finance i dropped out when i was in my final year. I have two semester remaining which i have paid 40,000 thousand shillings and the balance which is 40,000 thousand shillings because per semester i pay 80,000 thousand shillings. After i graduate i will be able to secure a good job for me and also achieve my dream. I did my diploma for information technology from Jomo Kenyatta University of agriculture and technology in 2007. Thank you and God bless you.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$404.00

Date disbursed

Jun 23, 2016

Repayment status

Late

Projected term

19 months

Lenders

A

anonymus

Moon, United States

Loungin

United States

CNV

United States

DM

Dimitri Malarme

Brussels, Belgium, Belgium

Elise E

United States

J

Jon

United States

Humble Bundle Community

San Francisco, United States

NH

Nancy Hull

United States

A

Anonymous

United States

JG

Jake Gibson and Beverly Picardo

San Francisco, United States

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

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  • Nancy Hull    Dec 31, 2016

    Please post an update.

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  • Lucy    Aug 9, 2016

    I would like to reduce my payment due to business not performing well. I am very sorry about this. Thank you very much

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  • Lucy    Jun 24, 2016

    I am happy i received the loan i had applied amount 40,000 Kenya shillings and today i am going to pay my school fees. I will be graduating next year so you are all welcome for the graduation cake. Thank you so much God bless you

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  • Lucy    Jun 23, 2016

    That is me interacting with my clients

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  • Lucy    Jun 22, 2016

    Thank you so much lenders this loan will help me pay my college fees. May God bless you so much for your help and kindness. Thank you once more

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  • Lucy    May 3, 2016

    Due to the tender which i got on January this year i have been paid and i would like to clear my loan in time so that i can increase my borrowing capacity since i have alot of things i would like achieve before the end of this year. I went back to school am doing my degree at KCA University so i need school fees which is amounting to 80,000 thousand Kenya shillings. Thank you for your help may God bless you so much

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  • Lucy    Apr 18, 2016

    The business is not doing well am sorry about this.
    Thank you

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  • Lucy    Feb 24, 2016

    Hi Zidisha i have applied a another loan and my loan is fully funded . Thank you very much for that i do appreciate. I have not yet accepted the loan since i cannot understand why they want to deduct 13 thousand Kenya shillings and i am not a new member. Kindly explain his to me. Thank you

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  • Lucy    Feb 22, 2016

    Thank you so much lenders my last loan really helped me to pay school fees for my daughter and it made all difference since there was a smoothing learning. I am saying than you very much God bless you so much. Now i need more loan to expand my business there equipment i need to buy like coloured printer. I hope you will honour my request. Thank you once more. Your faithfully Lucy

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  • Lucy    Feb 17, 2016

    I would like to clear my loan since the business is doing well and I want to borrow more. Thank you

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  • Lucy    Feb 12, 2016

    Hello I feel that I can increase the payment of my loan to 3,000 thousand shillings per week since my business has picked up. I have also been straggling with this loan since I operate business inside university and I had closed down for some months due to student rioting. I have learnt a lesson not to put your eggs in one basket. I hope when I come back to you for more loans you will consider my request. The students resumed back last month and now happy the business is back to its normal state. Thank you so much for being patient with me. May God bless you abundantly.

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  • Lucy    Jan 12, 2016

    Happy new year. Thank you very much for your patient and am very sorry for any inconveniences. I have managed to repay part of my loan soon i will be upto date with my payments. Once more thank you very much for your help.

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  • Lucy    Dec 2, 2015

    I am very sorry for the delay of paying my Loan. According to my history i have been paying my loan in time. I explained very well that my business right now its closed since there no student and they are my customers. They will resume back next year January. I will try and look for money with other means so that i will make my payment by next week. I am very sorry once more am even feeling ashamed but some things happens without someones plan. What i know i will pay my loan to the last shillings since that money really helped when i was in need. Thank you very much

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  • Lucy    Nov 9, 2015

    Due to business not doing well please i request to reduce my repayment to 1000 shillings. My business is located inside University and it was closed due to rioting of which i am not very sure when they will resume back. I am very sorry for any inconveniences i have caused you. Thank you once more and God bless you so much for the wonderful job.

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  • Lucy    Aug 12, 2015

    Hello lenders i am very sorry for the late update. I had traveled to up country where there is electricity and my phone went off. I came yesterday from rural home to visit my parents and other siblings. I am very happy to say i have received my forth loan. Next week i will buy my daughter school books and uniform. Thank you very much for everything may God bless you abundantly.

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  • Willy    Aug 9, 2015

    Hello Lucy,
    I applied for a loan on Zidisha as you explained and invited me to. I am glad they considered my application, and I my loan was fully funded about four days ago. I am waiting for it to be disbursed into my Mpesa account. This loan will help me a great way into expanding my online venture, and I will hold up to the promise of timely repayments. Thank you Lucy. Thank you Zidisha. God bless you all!

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    • Lucy    Aug 15, 2015

      Hi Willy welcome and i hope that loan will help you to change your life. May God bless you so much.

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  • Lucy    Aug 5, 2015

    This is my forth loan and you have helped me so much in my business growth and also expansion. This forth loan is for paying school fees, school books and uniform for my daughter. This will help me to have a peace of mind knowing that i have paid the school fees. It will also give my daughter confidence to work hard knowing that her school fees have been paid. She is in class six. Lenders thank you very much for your kindness and good job you are doing. May God bless you abundantly.

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  • Lucy    Jul 30, 2015

    Hello lenders thank you very much for your support may God bless you. This is my fourth loan i am applying to pay my daughter's school fees. The loan i have receiving from you has really changed my life and also other people's life. My profit has really increased from 50% to 70% i am very happy. This has made helped me to expand my business. Thank you once more God bless you abundantly.

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  • Lucy    Jul 22, 2015

    Thank lenders so much this my third loan and you have helped me so much to expand my business. I have moved from making 2000 shillings per day to 3000 shillings. I am very grateful since the additional profit has really changed our living style. I believe i will go far with you. God bless you abundantly. Lucy

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  • Lucy    Jun 10, 2015

    Hello lenders i received my loan yesterday i am very grateful thank you so much God bless you. I have already deposited into my m-pesa account. Thank you once more for the good job.

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