Fruits farming to educate my children

John Mativo

Kilili, Kenya

14% repaid

Entrepreneur

Name

John Mativo

Location

Kilili, Kenya

On-time repayments

126 weekly installments  •  9%

About Me

I am a teacher, a farmer and a father of five children. I grew up in great difficulties and actually did hard jobs to pay for my college education. I did not want my children to go through the same difficult situation I went through my childhood and therefore I do farming as a business to supplement my little income I get from teaching. My wife helps in my farming activities but she is mostly focused on growing food crops while my focus is cash crops. One of my daughters has just completed university and one of my son is still in high school. The other children completed school not long ago and are establishing their lives. Since the area I live has scarcity of rain, I use donkeys to fetch water from a nearby well, which is a tedious work. Nonetheless, I have the determination to make my farming activity prosper. People in my area are friendly and kind people and we always welcome visitors. I don't have much pastime and most of the time when I am not teaching I engage in farming activities.

My Business

My business is fruit farming. I grow grafted mangoes, avocados, lemons and oranges. These fruits are in great demand in my country and give good returns when cared for well. The plants do well in my area after they become established so the only challenge is nurturing the young plant to its maturity. Diseases are easily controllable using the correct chemicals. I make about $2,000 (200,000 KES) in a season. Only the costs of labour and pests and disease control are recurrent costs. Costs of seedling are fixed. I use the profits to grow the farming venture, feed my family, and pay school fees for my children.

Loan Proposal

At the moment, I have a great financial burden because I have to pay school fees, workers tilling my farm and feed my family. I need the money to purchase pesticides and fungicides (estimated at $30), pay for workers tilling my farm (about $40). About $30 will be used to nurture the young tree plants and will include cost of fertilizers and manure..

Feedback

None

None

None

Loan Info

Project Type

Classic Loan

Disbursed amount

$100.16

Date disbursed

Jan 5, 2015

Repayment status

Late

Projected term

29 months

Cost to entrepreneur

Lender interest: $100.16 at 4.21% annual rate over 29 months = $10.37

Service fee: $12.31

Upon joining Zidisha, John paid a lifetime membership fee of $8.86.

Lenders

X

xander

Plainfield, Vermont, United States

BrianHibbs

South Bend, United States

JimVandegriff

Trinidad, California, United States

H

HildeK

Rogaland, Norway

IA

Ismini and Jerry

Stamford, USA, United States

R

ram1919

San Jose, United States

G

Galbania

Toowoomba, Australia

gugudu

Austria

SE

Sven E

Mannheim, Germany

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Summary

Amount repaid

$17.03

Amount remaining

$106.16

Expected completion

Jun 18, 2017

Status

Repaying late

Installment amount

$1.12

Repayment History

Expected Payments Actual Payments
Jan 18, 2015 $2.03 Jan 19, 2015 $1.01
Jan 19, 2015 $1.02
Jan 25, 2015 $0.00
Feb 1, 2015 $1.12 Jan 30, 2015 $1.12
Feb 8, 2015 $1.12 Jan 30, 2015 $1.12
Feb 15, 2015 $1.12 Feb 5, 2015 $1.12
Feb 22, 2015 $1.12 Feb 5, 2015 $1.12
Mar 1, 2015 $1.12 Mar 4, 2015 $0.67
Mar 4, 2015 $0.45
Mar 8, 2015 $1.12 Mar 4, 2015 $0.11
Mar 4, 2015 $0.56
Mar 10, 2015 $0.45
Mar 15, 2015 $1.12 Mar 10, 2015 $1.12
Mar 22, 2015 $1.12 Mar 10, 2015 $1.12
Mar 29, 2015 $1.12 Mar 10, 2015 $0.11
Apr 12, 2015 $0.45
Jul 23, 2015 $0.56
Apr 5, 2015 $1.12 Jul 23, 2015 $0.56
Aug 3, 2015 $0.56
Apr 12, 2015 $1.12 Aug 3, 2015 $0.06
Aug 3, 2015 $0.62
Aug 12, 2015 $0.45
Apr 19, 2015 $0.79 Aug 12, 2015 $0.17
Aug 12, 2015 $0.62
Apr 26, 2015 $0.00
May 3, 2015 $0.00
May 10, 2015 $0.00
May 17, 2015 $0.00
May 24, 2015 $0.00
May 31, 2015 $0.00
Jun 7, 2015 $0.00
Jun 14, 2015 $0.00
Jun 21, 2015 $0.00
Jun 28, 2015 $0.00
Jul 5, 2015 $0.00
Jul 12, 2015 $0.00
Jul 19, 2015 $0.00
Jul 26, 2015 $0.00
Aug 2, 2015 $0.00
Aug 9, 2015 $0.00
Aug 16, 2015 $0.00
Aug 23, 2015 $1.12 Oct 21, 2015 $0.62
Oct 28, 2015 $0.51
Aug 30, 2015 $1.12 Oct 28, 2015 $0.11
Oct 28, 2015 $0.62
Sep 6, 2015 $1.12
Sep 13, 2015 $1.12
Sep 20, 2015 $1.12
Sep 27, 2015 $1.12
Oct 4, 2015 $1.12
Oct 11, 2015 $1.12
Oct 18, 2015 $1.12
Oct 25, 2015 $1.12
Nov 1, 2015 $1.12
Nov 8, 2015 $1.12
Nov 15, 2015 $1.12
Nov 22, 2015 $1.12
Nov 29, 2015 $1.12
Dec 6, 2015 $1.12
Dec 13, 2015 $1.12
Dec 20, 2015 $1.12
Dec 27, 2015 $1.12
Jan 3, 2016 $1.12
Jan 10, 2016 $1.12
Jan 17, 2016 $1.12
Jan 24, 2016 $1.12
Jan 31, 2016 $1.12
Feb 7, 2016 $1.12
Feb 14, 2016 $1.12
Feb 21, 2016 $1.12
Feb 28, 2016 $1.12
Mar 6, 2016 $1.12
Mar 13, 2016 $1.12
Mar 20, 2016 $1.12
Mar 27, 2016 $1.12
Apr 3, 2016 $1.12
Apr 10, 2016 $1.12
Apr 17, 2016 $1.12
Apr 24, 2016 $1.12
May 1, 2016 $1.12
May 8, 2016 $1.12
May 15, 2016 $1.12
May 22, 2016 $1.12
May 29, 2016 $1.12
Jun 5, 2016 $1.12
Jun 12, 2016 $1.12
Jun 19, 2016 $1.12
Jun 26, 2016 $1.12
Jul 3, 2016 $1.12
Jul 10, 2016 $1.12
Jul 17, 2016 $1.12
Jul 24, 2016 $1.12
Jul 31, 2016 $1.12
Aug 7, 2016 $1.12
Aug 14, 2016 $1.12
Aug 21, 2016 $1.12
Aug 28, 2016 $1.12
Sep 4, 2016 $1.12
Sep 11, 2016 $1.12
Sep 18, 2016 $1.12
Sep 25, 2016 $1.12
Oct 2, 2016 $1.12
Oct 9, 2016 $1.12
Oct 16, 2016 $1.12
Oct 23, 2016 $1.12
Oct 30, 2016 $1.12
Nov 6, 2016 $1.12
Nov 13, 2016 $1.12
Nov 20, 2016 $1.12
Nov 27, 2016 $1.12
Dec 4, 2016 $1.12
Dec 11, 2016 $1.12
Dec 18, 2016 $1.12
Dec 25, 2016 $1.12
Jan 1, 2017 $1.12
Jan 8, 2017 $1.12
Jan 15, 2017 $1.12
Jan 22, 2017 $1.12
Jan 29, 2017 $1.12
Feb 5, 2017 $1.12
Feb 12, 2017 $1.12
Feb 19, 2017 $1.12
Feb 26, 2017 $1.12
Mar 5, 2017 $1.12
Mar 12, 2017 $1.12
Mar 19, 2017 $1.12
Mar 26, 2017 $1.12
Apr 2, 2017 $1.12
Apr 9, 2017 $1.12
Apr 16, 2017 $1.12
Apr 23, 2017 $1.12
Apr 30, 2017 $1.12
May 7, 2017 $1.12
May 14, 2017 $1.12
May 21, 2017 $1.12
May 28, 2017 $1.12
Jun 4, 2017 $1.12
Jun 11, 2017 $1.12
Jun 18, 2017 $1.27

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