Food retail

Nicholus

Kilifi, Kenya

100% repaid

Entrepreneur

Name

Nicholus

Member since

July 2016

On-time repayments

137 installments  •  70%

About Me

My name is Nicholus Kai Haro aged 45 years. I am married to one wife and have 3 children. I have a bachelors degree in education majored in Special needs education. I am ateacher by profession teaching the mentally handicapped children in my country kenya. I have been in this profession for the past 17 years and I am the teacher in charge of the special Unit for the mentally handicapped children in the school. I am an employee of Teachers service commission. Beside being employed I am a business man.

My Business

My business started as a small retail shop dealing with food items and incorporation of green vegetables and little bit of cereals but has now grown to a big business.
My goods are in high demand because I always buy goods of high quality and fresh, the business premises is ever clean and tidy, the business attendants/ shop keepers use good and persuasive language.
I chose the business because the demand for the food and vegetables items was so high in the area and the supply was low and limited.
The typical costs and revenue include costs of the items, power, tax from county government. The income is able to cater for the cost and revenue , repay zidish loans and be able to cater for other development activities. So there is
alway profit.
I use the profit for education of my children in schools, reinvestment as in the case of my rental business house and improvement of my home and genera improvement of my life status.

Loan Proposal

Once i get the loan\funding i will increase the stock. I will buy the commodity that is required by my clients on daily basis and i don't have. Also i shall add the commodity that is in the market and also look for more market for my commodity.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$252.00

Date disbursed

Aug 1, 2016

Repayment status

On Time

Projected term

3 months

Lenders

PG

Paul Graham

United States

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  • Nicholus    Jun 8, 2019

    I used the loan fund to add stock to my business amounting to the fund I received (KES 116500). The stock added increased the sales and profit which enabled expansion of the business premises ( 6 roomed rental house). Your fund also changed my lifestyle greatly.
    I wish to thank and appreciate my lenders for their lending and further inform them that their lending has really done good to me and the neighborhood. I urge them to continue lending me to alleviate poverty.

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  • Nicholus    Jun 6, 2019

    I have now fully paid my zidisha loan. Please update the listed account reference 144242 and send me the batch number.

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  • Nicholus    Jun 5, 2019

    My business has been performing lowly and now it's coming up. After the 5 installments I shall be able to clear the past due payment and continue with the repayment of the balance.

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  • Nicholus    Jun 4, 2019

    I wish to request for update of CRB reference account number 144242 and possibly get the batch/TransUnion numbers since I have resumed my repayment as my business is coming up after a long duration of low performance. I paid the KES 798 which was listed and other amount as seen in Mpesa transaction numbers, NF31CPSBMD and NF31CPUBBH.

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  • Nicholus    Jun 3, 2019

    Update account reference 144242 which had sh.797.11(798) which I paid

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  • Nicholus    Jun 3, 2019

    Please update reference 144242 which had sh.798

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  • Nicholus    May 27, 2019

    My business is now coming up and very soon I shall resume my repayment.

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  • Nicholus    May 22, 2019

    My business has been so down but in a couple of weeks I shall resume my payment since it's now coming up.

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  • Nicholus    Feb 25, 2018

    Business is very low at the moment

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  • Victor    Feb 21, 2018

    Nicholus business has been down i have advised him to lower the repayment amount an he has promised to resume payment

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  • Nicholus    Dec 7, 2017

    I have reduced the installment amount to KES 3000 for a few weeks and then adjust to normal to allow space for increase of more stock for this Christmas season.

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  • Nicholus    Nov 20, 2017

    I received KES 129,908
    I used the funds to purchase goods for my food retail shop and green groceries. The goods includes ; 30 bales maize flour worth KES 31,200, 15 bales wheat flour worth KES 15,000, 4 jericans worth, 10,000, 10 cartons milk worth KES 6,500, 2 bags sugar worth KES 9500 , 1 bag beans worth KES 6000, 2 bags potatoes KES 10,000 1 bag onions worth KES 6000, 2 crates tomatoes worth KES 7600, 1 bag cabbages worth KES 2000, soft drinks worth KES 6000, 5 bags rice worth KES 7800 and used the rest for transport.
    I wish to thank and appreciate my lenders for giving me this opportunity to uplift my business status through their lending. Thanks a lot.

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  • Nicholus    Nov 7, 2017

    I wish to thank my lenders for funding my loan fully after expedition. According to my knowledge loans that have undergone expedition do not take long to be disbursed since a certain percentage of the fund is deducted to speed up the funding and disbursement. Why is it taking the normal period for disbursement?

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  • Nicholus    Nov 2, 2017

    I shall use the fund to purchase 35 bales of maize flour worth KES 35,000, 20 bales wheat four worth KES26000, 2 bags of sugar worth KES 10,000, 4 jericanes of cooking oil worth KES 11,400, 15 cartons milk worth KES 9000, 10 crates soft drinks worth 5700, 10 crates mineral water worth KES 3000, 1 bag cabbages worth KES 2000, 2 bags potatoes worth KES 9000, 1 bag sukuma wiki worth KES 1800, 2 crates tomatoes worth KES 4000 all adding to KES116900 and use the rest for transport.

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  • Nicholus    Oct 29, 2017

    I used the the loan fund to purchase 30 bales of maize flour worth KES 30,000, 10 bales of wheat flour worth KES13,000, 2 sacks sugar worth KES10,000,2 canes of cooking oil worth KES 5800, 2 bags potatoes worth KES 9000,2 crates tomatoes worth KES 3700, 1 sack onions worth KES 5000, 1 sack of cabbages worth KES 2000,1 sack of of sukuma wiki worth KES 1800 totalling to KES80,300 and used the rest for transport.
    The purchase increased the stock, expanded the business, increased daily sales and daily earnings.
    The earnings have increased by 30%.
    I have used the increased earnings to add more stock to the business, improve my life style and of family.
    Improved education standard of my children, improved business premises, improved life style, eradicate poverty.
    My business place has been the shopping center for food and vegetables items for my neighborhood.

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  • Nicholus    Oct 29, 2017

    I used the loan fund to purchase; 30 bales of maize flour worth KES 30,000, 10 bales of wheat flour worth KES 13,000, 2 bags sugar worth KES 10,000, 2canes of cooking oil worth KES 5,800, , 2 bags potatoes Worth KES9,000, 2 crates tomatoes Worth KES 3700 , 1 sack of onions, worth KES 5000, 1 sack of Cabbages worth 2000, 1 sack ofsukuma wiki worth KES 1800, and used the rest for transport. All this totalled to KES 80,300.
    This purchase increased the stock of the business, expanded the business , increased daily sales and daily earnings thus increased profit.
    The earnings increased by 30%.
    I have used the increased earnings to buy more stock and more items that the business lacks hence more increased earnings, used part of the earnings to develop my business premises and home. Also used some of the earnings to develop my incomplete rental business house which is part of investment.
    I have been able to cater for my family needs, education needs of my children and improved family life style.
    My business has been the center of food items for my neighborhood making my neighbours not move far distances for such items.
    I have been able to go for a holiday at mnarani club with my family.
    I wish to thank my lenders for giving me an opportunity to have improved life style and changed my livelihood.
    Their lending has built a capacity to have the business continue and also repay the loans on time.

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  • Nicholus    Aug 14, 2017

    I received KES 80,12.
    I used the fund to buy 30 bales of maize flour worth KES 30,000, 10 bales of wheat flour worth KES 13,000, 2 sacks of sugar worth KES 10,000, 2 sacks potato worth KES 9000, 2 crates tomatoes worth KES3700, 2 canes cooking oil worth KES 5800, 1 sack cabbages worth 2000, 1 sack onion worth KES 5000 and 1 sack sukuma wiki worth 1800 and used the balance for transport.
    I wish to take this opportunity to thank my lenders for lending my loan, I sincerely appreciate you for what your doing to me and my businesses. May God bless you.

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  • Nicholus    Jul 27, 2017

    I have received KES 70,000 so far still awaiting for the balance of KES 10,212.
    Once the balance is disbursed i shall purchase stock for my food retail shop and green groceries as put in the lian proposal.
    Once again i take this opprtunity to appreciate and thank my lenders for funding my loan, be blessed. I also wish to thank zidisha team for disbursing the bigger part of the fund and iam sure the remaining part will also be disbursed sooner.
    Thanks a lot.

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  • Nicholus    Jul 24, 2017

    I shall buy maize flour,wheat flour, sugar, cooking oil, milk, cabbages, sukuma wiki, onions, potatoes, Tomatoes as put in the proposal for my food retail shop and green groceries.
    The purchases will increase stock hence sales to my business thereby increasing income to my business.
    I take this opportunity to sincerely thank my lenders for taking time to fund my loan. Indeed iam greatful for this, let me assure you that i wont let you down.

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  • Nicholus    Jul 17, 2017

    I purchased bales of maize flour, bales of wheat flour, jericanes of cooking oil, bags of sugar, bags of rice cartons of milk, bags of cabbages, crates of tomatoes,bags of onion and potatos and sukuma wiki.

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