Anne Wambui Njoroge

Mawanga Centre, Kenya

100% repaid

Entrepreneur

Name

Anne Wambui Njoroge

Member since

February 2013

On-time repayments

302 installments  •  2%

About Me

My names are Anne Wambui Njoroge.I`m a mother of three kids(two boys and one girl) and I`m married Iam married in Agikuyu customary marriage.Our first born is a boy who is in the eighth class in the private school within the nakuru municipality.The second still in the same school in class five,and our last born is in Kindergarten in top class.God will early next year she will be going in class one.We leave in the outscarts of Nakuru County headquaters,in Nakuru North District,in a village known as Mawanga.

My Business

My Salon business is strategically located at the heart of Mawanga Shopping Centre,along Nakuru-Murunyu road.At my Salon business you can get services like,hair braiding,hair straightening,massage weaving,curl-kit,manicure &pedicure,perfumes and colognes among ather services.I started the salon business after getting some money from my former job,where i worked on commission basis.In 31/04/2010, i managed to secure a loan of ksh.120,000 from Emmanuel Vision Self Help Group,which i repaid it fully by the year 30/03/2011.The loan was for a period of 12 months. My salon business sometimes faces some financial challenges and that includes,sometimes a customer may want the services and the products in large quantity which to me becomes imposible due to lack of enough cash to finance.secondly a customer may demand me to cut for a percentage as it appears in other bigger salons of which sometimes becomes very difficult to me as i dont have enough stock to offer at that rate.
The prevous sales of the month is as follows:
sales from the services ksh.24,0000
sales from hair & beauty products ksh.25,750
sales from perfumes & cologne ksh18,000
Total ksh.67,750

The total deductions of the month were as follows:
Business rent=ksh.6,000
stock additions=ksh.25,000
Electricity bill=ksh.2,300
Miscellinious=ksh3,000
wages for one(1) lady=12,000
Total=ksh.48,300

Net profit=ksh.19,450
Once the Zidisha team entrust me with the loan, i will be able to offer good services to my customers and selling perfumes and colognes in bulky,
Through the Zidisha loan, i will be able to buy 2 more hair drier machines,4 more blow drier machines bulky perfumes and colognes , 6 more chairs and add more stock for my customers which i will eventually be getting more customers and profits, thus making sure that i remit the monthly payments on time .Thanks

Loan Proposal

First of all is to thank the Zidisha Organization for considering my loan application,and to welcoming me to be a member in Zidisha.Through the Zidisha loan, i will be able to buy 2 more hair drier machines,4 more blow drier machines bulky perfumes and colognes , 6 more chairs and add more stock for my customers which i will eventually be selling at a fair price and getting more customers and profits in return, thus making sure that i remit the monthly payments on time .Thanks alot

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Loan Info

Project Type

Classic Loan

Disbursed amount

$97.94

Date disbursed

May 1, 2013

Repayment status

On Time

Projected term

5 months

Cost to entrepreneur

Lender interest: $97.94 at 0.10% annual rate over 5 months = $0.05

Service fee: $1.61

Lenders

russell

leicester, United Kingdom

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