Name
Jacob
Member since
February 2015
On-time repayments
335 installments • 65%
My names are Jacob O’nyamul. I am a married man aged thirty two years old. I was brought up by a Christian father and mother in a rural home in Siaya, Kenya. My parents were very poor and this forced my father to migrate to the capital city Nairobi in search for a job as we were left struggling with life in the rural. The little income he got sustained us a bit as I and my siblings were able to go to school. Unfortunately my father was attacked by thugs who ended his life at a building that he was guarding having been a security guard.
Being the firstborn in our family I had to put on my father’s shoes by struggling to become family’s bread winner. My mother was a housewife, I was not yet 20 and my siblings were very young and needed to go to school. I was determined to uplift our family despite of the challenges. I got a job with a Christian organization though at a voluntary level, I thank God I am able to get some stipend. Because the income was very small to cater for my family, siblings and mother’s expenses I started a small grocery shop with the help of cash savings received as gift on my wedding day. We’ve been working together with my wife as managers of our small investment.
We are blessed with two children (Blessings Akinyi))who is about one year and eight months old and Alma Oduor who is two weeks old; it’s our desire to train them in a godly way so as to help them overcome worldly influences when they grow up. In our culture when a man marries a woman he must pay dowry, normally in form of cows. This has been a great challenge to most of poor young men who wants to marry in the Lord.
I am a saved Christian and an evangelist, I love reading the Bible and spreading the gospel. God has been so faithful to me and my family. When I look at my life I do acknowledge the great work of God.
The name of my business is Baraka (Swahili name meaning ‘Blessed’) grocery shop. I do sell groceries mostly food items which we buy from wholesalers and break them in small quantities for the consumers.I am planning to add dairy business of selling milk in addition to my grocery stock. I like this business because milk /groceries/food items are always in demand, that is, people will always have to eat something so as to live. Most of the people in our neighborhood are facing poverty and are therefore not able to buy things in large quantity.
My wife and I are the shopkeepers in our business and I do not have to employ someone to work in the business. Moreover we are doing the business in the same building that we are living in, and therefore saving on additional rent for the shop. Our main business cost is rent and cost of goods purchased for resale. I do use the income from sales to re invest in growing the business. The rate at which the goods clears up in the shelves is so high in such a business and we have to keep monitoring the stock level often to make sure that there is no goods that is out of stock. The main challenge is restocking goods frequently and breaking the items in smaller quantities.
Its my desire to grow my business to the level of a cash and carry supermarket if God open ways for funds. This would increase my income and I will be able to support my siblings and my mother who is a widow. I will appreciate any support accorded to me. May God bless you abundantly as you avail your resources to lend to the needy.
Hi lenders, i am extremely joyful once again for another opportunity to post my loan for funding. i believe that you would consider my appeal for funding as you have always did. i am planning to stock ten 90 kg bags of maize @ 40 usd totaling 400 usd, two 50 kg bag of sugar @ 40 usd totaling 80 usd, five 50 kg bags of rice @ 40 usd totaling 200 usd, five 20 litres cooking oil @ 3 usd totaling 150 usd, 10 dozen of 2kg wheat flour @ 20usd totaling 200 usd, ten dozen of 1kg wheat flour @ 20usd totaling 200 usd, grand total =1230 usd.
this would realy boost my business towards my goal of having a supermarket hence customer satisfaction as they would get the items they need under one roof. i am expecting to double my profits since i will have a bigger stock hence practising economies of scale. many thanks
Positive
None
Neutral
None
Negative
None
Project Type
Classic Loan
Disbursed amount
$1,303.00
Date disbursed
Feb 17, 2018
Repayment status
Late
Projected term
49 months
Other loans
Amount repaid
$158.57
Amount remaining
$1,144.83
Expected completion
Mar 20, 2022
Status
Repaying late
Installment amount
$11.12
Expected Payments | Actual Payments | ||
---|---|---|---|
Feb 25, 2018 | $34.49 | Mar 5, 2018 | $34.49 |
Mar 4, 2018 | $34.49 | Mar 5, 2018 | $34.49 |
Mar 11, 2018 | $0.00 | ||
Mar 18, 2018 | $0.00 | ||
Mar 25, 2018 | $4.98 | Mar 26, 2018 | $4.98 |
Apr 1, 2018 | $4.98 | Mar 26, 2018 | $4.98 |
Apr 8, 2018 | $4.98 | Apr 15, 2018 | $4.98 |
Apr 15, 2018 | $4.98 | Apr 15, 2018 | $4.88 |
Apr 18, 2018 | $0.10 | ||
Apr 22, 2018 | $4.98 | Apr 27, 2018 | $4.98 |
Apr 29, 2018 | $0.00 | ||
May 6, 2018 | $1.98 | May 11, 2018 | $0.99 |
May 11, 2018 | $0.99 | ||
May 11, 2018 | $0.01 | ||
May 13, 2018 | $1.98 | May 11, 2018 | $0.98 |
May 11, 2018 | $0.99 | ||
May 11, 2018 | $0.02 | ||
May 20, 2018 | $1.98 | May 11, 2018 | $0.97 |
May 24, 2018 | $0.99 | ||
May 24, 2018 | $0.03 | ||
May 27, 2018 | $1.98 | May 24, 2018 | $0.96 |
May 24, 2018 | $0.99 | ||
May 24, 2018 | $0.04 | ||
Jun 3, 2018 | $1.98 | Jun 4, 2018 | $0.99 |
Jun 4, 2018 | $0.99 | ||
Jun 4, 2018 | $0.01 | ||
Jun 10, 2018 | $0.20 | Jun 4, 2018 | $0.20 |
Jun 17, 2018 | $1.00 | Jun 21, 2018 | $0.99 |
Jun 21, 2018 | $0.01 | ||
Jun 24, 2018 | $1.00 | Jun 21, 2018 | $0.98 |
Jul 23, 2018 | $0.02 | ||
Jul 1, 2018 | $1.00 | Jul 23, 2018 | $1.00 |
Jul 8, 2018 | $1.00 | Jul 23, 2018 | $1.00 |
Jul 15, 2018 | $1.00 | Jul 23, 2018 | $1.00 |
Jul 22, 2018 | $0.94 | Jul 23, 2018 | $0.94 |
Jul 29, 2018 | $1.00 | Jul 31, 2018 | $0.99 |
Jul 31, 2018 | $0.01 | ||
Aug 5, 2018 | $1.00 | Jul 31, 2018 | $0.98 |
Sep 3, 2018 | $0.02 | ||
Aug 12, 2018 | $1.00 | Sep 3, 2018 | $0.97 |
Sep 3, 2018 | $0.03 | ||
Aug 19, 2018 | $1.00 | Sep 3, 2018 | $0.96 |
Sep 3, 2018 | $0.04 | ||
Aug 26, 2018 | $1.00 | Sep 3, 2018 | $0.95 |
Sep 3, 2018 | $0.05 | ||
Sep 2, 2018 | $0.94 | Sep 3, 2018 | $0.94 |
Sep 9, 2018 | $0.49 | Sep 20, 2018 | $0.49 |
Sep 16, 2018 | $0.49 | Sep 20, 2018 | $0.49 |
Sep 23, 2018 | $0.49 | Sep 20, 2018 | $0.49 |
Sep 30, 2018 | $0.49 | Oct 17, 2018 | $0.49 |
Oct 7, 2018 | $0.49 | Oct 17, 2018 | $0.49 |
Oct 14, 2018 | $0.99 | Oct 17, 2018 | $0.99 |
Oct 21, 2018 | $0.49 | Oct 17, 2018 | $0.49 |
Oct 28, 2018 | $0.49 | Oct 17, 2018 | $0.49 |
Nov 4, 2018 | $0.49 | Nov 19, 2018 | $0.49 |
Nov 11, 2018 | $0.49 | Nov 19, 2018 | $0.49 |
Nov 18, 2018 | $0.49 | Nov 19, 2018 | $0.49 |
Nov 25, 2018 | $0.00 | ||
Dec 2, 2018 | $0.00 | ||
Dec 9, 2018 | $0.00 | ||
Dec 16, 2018 | $0.49 | Dec 29, 2018 | $0.49 |
Dec 23, 2018 | $0.49 | Dec 29, 2018 | $0.49 |
Dec 30, 2018 | $0.49 | Dec 31, 2018 | $0.49 |
Jan 6, 2019 | $0.49 | Jan 17, 2019 | $0.49 |
Jan 13, 2019 | $0.49 | Jan 17, 2019 | $0.49 |
Jan 20, 2019 | $0.49 | Jan 22, 2019 | $0.49 |
Jan 27, 2019 | $0.49 | Feb 13, 2019 | $0.49 |
Feb 3, 2019 | $0.49 | Feb 13, 2019 | $0.49 |
Feb 10, 2019 | $0.49 | Feb 13, 2019 | $0.49 |
Feb 17, 2019 | $0.49 | Feb 13, 2019 | $0.49 |
Feb 24, 2019 | $0.49 | Mar 9, 2019 | $0.49 |
Mar 3, 2019 | $0.49 | Mar 9, 2019 | $0.49 |
Mar 10, 2019 | $0.49 | Mar 9, 2019 | $0.49 |
Mar 17, 2019 | $0.49 | Mar 9, 2019 | $0.49 |
Mar 24, 2019 | $0.49 | Mar 26, 2019 | $0.49 |
Mar 31, 2019 | $0.49 | Mar 26, 2019 | $0.49 |
Apr 7, 2019 | $0.49 | Apr 9, 2019 | $0.49 |
Apr 14, 2019 | $0.49 | Apr 9, 2019 | $0.49 |
Apr 21, 2019 | $0.00 | ||
Apr 28, 2019 | $0.49 | May 8, 2019 | $0.49 |
May 5, 2019 | $0.49 | May 8, 2019 | $0.49 |
May 12, 2019 | $0.49 | May 17, 2019 | $0.49 |
May 19, 2019 | $0.49 | May 17, 2019 | $0.49 |
May 26, 2019 | $0.49 | May 28, 2019 | $0.49 |
Jun 2, 2019 | $0.00 | ||
Jun 9, 2019 | $0.00 | ||
Jun 16, 2019 | $0.49 | Jun 26, 2019 | $0.49 |
Jun 23, 2019 | $0.49 | Jun 26, 2019 | $0.49 |
Jun 30, 2019 | $0.49 | Jul 9, 2019 | $0.49 |
Jul 7, 2019 | $0.49 | Jul 9, 2019 | $0.49 |
Jul 14, 2019 | $0.49 | Jul 25, 2019 | $0.49 |
Jul 21, 2019 | $0.49 | Jul 25, 2019 | $0.49 |
Jul 28, 2019 | $0.00 | ||
Aug 4, 2019 | $0.49 | Aug 13, 2019 | $0.49 |
Aug 11, 2019 | $0.49 | Aug 13, 2019 | $0.49 |
Aug 18, 2019 | $0.49 | Aug 20, 2019 | $0.49 |
Aug 25, 2019 | $0.49 | Sep 3, 2019 | $0.49 |
Sep 1, 2019 | $0.49 | Sep 3, 2019 | $0.49 |
Sep 8, 2019 | $0.00 | ||
Sep 15, 2019 | $0.00 | ||
Sep 22, 2019 | $0.00 | ||
Sep 29, 2019 | $0.49 | Oct 8, 2019 | $0.49 |
Oct 6, 2019 | $0.49 | Oct 8, 2019 | $0.49 |
Oct 13, 2019 | $0.00 | ||
Oct 20, 2019 | $0.00 | ||
Oct 27, 2019 | $0.00 | ||
Nov 3, 2019 | $0.00 | ||
Nov 10, 2019 | $0.49 | Nov 12, 2019 | $0.49 |
Nov 17, 2019 | $0.49 | Nov 12, 2019 | $0.49 |
Nov 24, 2019 | $0.49 | Dec 10, 2019 | $0.49 |
Dec 1, 2019 | $0.49 | Dec 10, 2019 | $0.49 |
Dec 8, 2019 | $0.49 | Dec 10, 2019 | $0.49 |
Dec 15, 2019 | $0.00 | ||
Dec 22, 2019 | $0.00 | ||
Dec 29, 2019 | $0.00 | ||
Jan 5, 2020 | $0.00 | ||
Jan 12, 2020 | $0.49 | Jan 22, 2020 | $0.49 |
Jan 19, 2020 | $0.49 | Jan 22, 2020 | $0.49 |
Jan 26, 2020 | $0.00 | ||
Feb 2, 2020 | $0.00 | ||
Feb 9, 2020 | $0.00 | ||
Feb 16, 2020 | $0.00 | ||
Feb 23, 2020 | $0.00 | ||
Mar 1, 2020 | $0.49 | Mar 5, 2020 | $0.49 |
Mar 8, 2020 | $0.49 | Mar 5, 2020 | $0.49 |
Mar 15, 2020 | $0.49 | Mar 17, 2020 | $0.49 |
Mar 22, 2020 | $0.49 | Mar 24, 2020 | $0.49 |
Mar 29, 2020 | $0.49 | Mar 31, 2020 | $0.49 |
Apr 5, 2020 | $0.49 | Mar 31, 2020 | $0.49 |
Apr 12, 2020 | $0.00 | ||
Apr 19, 2020 | $0.49 | May 5, 2020 | $0.49 |
Apr 26, 2020 | $0.49 | May 5, 2020 | $0.49 |
May 3, 2020 | $0.49 | May 5, 2020 | $0.49 |
May 10, 2020 | $0.00 | ||
May 17, 2020 | $0.00 | ||
May 24, 2020 | $0.00 | ||
May 31, 2020 | $0.49 | Jun 9, 2020 | $0.49 |
Jun 7, 2020 | $0.00 | ||
Jun 14, 2020 | $0.50 | Jun 25, 2020 | $0.50 |
Jun 21, 2020 | $0.50 | Jun 25, 2020 | $0.50 |
Jun 28, 2020 | $0.50 | Jul 8, 2020 | $0.50 |
Jul 5, 2020 | $0.50 | Jul 8, 2020 | $0.50 |
Jul 12, 2020 | $0.00 | ||
Jul 19, 2020 | $0.00 | ||
Jul 26, 2020 | $0.00 | ||
Aug 2, 2020 | $0.50 | Aug 4, 2020 | $0.50 |
Aug 9, 2020 | $0.50 | Aug 4, 2020 | $0.50 |
Aug 16, 2020 | $0.50 | Sep 1, 2020 | $0.50 |
Aug 23, 2020 | $0.50 | Sep 1, 2020 | $0.50 |
Aug 30, 2020 | $0.50 | Sep 1, 2020 | $0.50 |
Sep 6, 2020 | $0.00 | ||
Sep 13, 2020 | $0.00 | ||
Sep 20, 2020 | $0.00 | ||
Sep 27, 2020 | $0.00 | ||
Oct 4, 2020 | $0.50 | Oct 5, 2020 | $0.50 |
Oct 11, 2020 | $0.50 | Oct 15, 2020 | $0.50 |
Oct 18, 2020 | $0.70 | Oct 15, 2020 | $0.50 |
Nov 30, 2020 | $0.20 | ||
Oct 25, 2020 | $0.00 | ||
Nov 1, 2020 | $0.00 | ||
Nov 8, 2020 | $0.00 | ||
Nov 15, 2020 | $0.00 | ||
Nov 22, 2020 | $0.00 | ||
Nov 29, 2020 | $0.00 | ||
Dec 6, 2020 | $0.01 | Dec 17, 2020 | $0.01 |
Dec 13, 2020 | $0.01 | Dec 17, 2020 | $0.01 |
Dec 20, 2020 | $0.01 | Dec 17, 2020 | $0.01 |
Dec 27, 2020 | $0.01 | Dec 17, 2020 | $0.01 |
Jan 3, 2021 | $0.01 | Dec 17, 2020 | $0.01 |
Jan 10, 2021 | $0.05 | Dec 17, 2020 | $0.05 |
Jan 17, 2021 | $0.00 | ||
Jan 24, 2021 | $0.49 | Mar 11, 2021 | $0.49 |
Jan 31, 2021 | $0.00 | ||
Feb 7, 2021 | $0.00 | ||
Feb 14, 2021 | $0.00 | ||
Feb 21, 2021 | $0.00 | ||
Feb 28, 2021 | $0.00 | ||
Mar 7, 2021 | $0.00 | ||
Mar 14, 2021 | $0.00 | ||
Mar 21, 2021 | $0.00 | ||
Mar 28, 2021 | $0.00 | ||
Apr 4, 2021 | $11.12 | Apr 7, 2021 | $0.49 |
May 27, 2021 | $0.49 | ||
Jun 30, 2021 | $0.49 | ||
Sep 8, 2021 | $0.49 | ||
Oct 19, 2021 | $0.99 | ||
Dec 3, 2021 | $0.49 | ||
Jan 14, 2022 | $0.49 | ||
Apr 11, 2021 | $11.12 | ||
Apr 18, 2021 | $11.12 | ||
Apr 25, 2021 | $11.12 | ||
May 2, 2021 | $11.12 | ||
May 9, 2021 | $50.14 | ||
May 16, 2021 | $11.12 | ||
May 23, 2021 | $11.12 | ||
May 30, 2021 | $11.12 | ||
Jun 6, 2021 | $11.12 | ||
Jun 13, 2021 | $11.12 | ||
Jun 20, 2021 | $11.12 | ||
Jun 27, 2021 | $11.12 | ||
Jul 4, 2021 | $11.12 | ||
Jul 11, 2021 | $11.12 | ||
Jul 18, 2021 | $11.12 | ||
Jul 25, 2021 | $11.12 | ||
Aug 1, 2021 | $50.14 | ||
Aug 8, 2021 | $50.14 | ||
Aug 15, 2021 | $11.12 | ||
Aug 22, 2021 | $11.12 | ||
Aug 29, 2021 | $11.12 | ||
Sep 5, 2021 | $11.12 | ||
Sep 12, 2021 | $11.12 | ||
Sep 19, 2021 | $11.12 | ||
Sep 26, 2021 | $11.12 | ||
Oct 3, 2021 | $11.12 | ||
Oct 10, 2021 | $50.14 | ||
Oct 17, 2021 | $11.12 | ||
Oct 24, 2021 | $11.12 | ||
Oct 31, 2021 | $11.12 | ||
Nov 7, 2021 | $11.12 | ||
Nov 14, 2021 | $11.12 | ||
Nov 21, 2021 | $11.12 | ||
Nov 28, 2021 | $11.12 | ||
Dec 5, 2021 | $11.12 | ||
Dec 12, 2021 | $50.14 | ||
Dec 19, 2021 | $50.14 | ||
Dec 26, 2021 | $50.14 | ||
Jan 2, 2022 | $50.14 | ||
Jan 9, 2022 | $11.12 | ||
Jan 16, 2022 | $11.12 | ||
Jan 23, 2022 | $50.14 | ||
Jan 30, 2022 | $50.14 | ||
Feb 6, 2022 | $50.14 | ||
Feb 13, 2022 | $50.14 | ||
Feb 20, 2022 | $50.14 | ||
Feb 27, 2022 | $50.14 | ||
Mar 6, 2022 | $11.12 | ||
Mar 13, 2022 | $11.12 | ||
Mar 20, 2022 | $46.67 |
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