Inventory of groceries & household supplies

Faith

Juja, Kenya

32% repaid

Entrepreneur

Name

Faith

Member since

August 2015

On-time repayments

215 installments  •  18%

About Me

My name is Faith nyambura maina, and I come from Nyeri County in Othaya sub-county. I am the last daughter in my family of 3 boys and 4 girls, the only siblings who are young than me 2 boys. I completed my secondary education in the year 2012 with a lot of challenges since we were raised from a very humble background. This same year at December I went to join my sister in Juja where she was working and staying, she decided to take me to a course and I enrolled for computer application course and completed the basic. I was lucky to be employed by the same employer who had employed my sister as financial record keeper and a banker, it during this time 2 years ago that I decided to start a food stuff business alongside with my employments. I am looking foward to raise some extra fund to expand my shop in order to eventually leave the formal employment and focus much my business which have a lot of potential since Juja is a city with high population. Having being raised by my parent in a very strong religious foundation, it has always been my effort to try and raise the success bar higher that all my peers in our society so that they can find someone to emulate. I belief through zidisha it will be a dream come true.
Thanks all, Thanks zidisha

My Business

I am currently employed with a salary of 10,000 KES per month, I also earn some extra income of 15000 KES courtesy of my food stuff business. I believe if I closely manage my business and inject approximately 10,000 to 20,000 KES, this business may be giving me at least 1000 KES dairy as income which translate to 30,000 KES per month, when I combine with my employer's salary the total earnings per month will be approximately 40,000 to 45,000 KES. This amount can sustain someone in city like Juja and be able to meet all the recurrent bills and obligations.
I am planning to set aside 1000 KES every week to service my loan and finish as soon as I can so as to get opportunity for future subsequent higher loan.

Thanks all, thanks zidisha.

Loan Proposal

I am looking forward to purchase the following shop stocks once I secure loan with zidisha.
6 gallons of house paint @1900( 19 USD) each = 11400 KES ( 114 USD)
3 20kg bags of assorted nails @ 5000(30 USD) each = 15000 KES (90 USD)
4 bales wheat floor @ 1600(16 USD ) each = 6400 KES (64 USD)
4 Bales Maize floor @ 1440(14.40 USD) each = 4320 KES(43.20 USD)
2 20litre jelican of cooking salad @ 2000(20 USD) each = 4000 KES(40 USD)
5 Cartons 800gms bar soap @ 2400(24 USD) each = 12000 KES(120 USD).

6 Total cost ........................................................................ 53,120 KES(531.20 USD)

The selling prices on retail price for the above will be as follows:
A Gallon of house paint goes at 2350 KES(23.50 USD) so by 6
will give 14100 KES (141 USD)
A 20 kg bag of nails on retail goes at 6000 KES so by 3 will give 18000( 180 USD)
A bale of wheat floor goes @ 1800 KES by 4 will give 7200(72 USD)
A bale of Maize floor goes @ 1524 KES by 4 will give 6096(60.96 USD)
A 20L container of cooking salad goes @ 2600 KES by 2 = 5200( 52 USD)
A Carton of bar soap at retail goes @ 3000 KES by 5 = 15000(150 USD)

TOTAL SALES OF THIS STOCK = 65,596 KES(655.96 USD)
TOTAL COST OF PURCHASES = 53,120 KES(531.20 USD)
REVENUE = 12,476 KES(124.60 USD)
This business is worth undertaking because it can be turned over several times during the servicing of this loan thus making it easy to pay back the loan while the business stands.
Thank you all, Thank you Zidisha

Feedback

None

None

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Loan Info

Project Type

Classic Loan

Disbursed amount

$454.00

Date disbursed

Jun 16, 2016

Repayment status

Late

Projected term

56 months

Lenders

MakeSense

-, St. Kitts and Nevis

kuebel

Vienna, Austria

C

cflint

Springville, United States

S

SourceWebDesign

Nieuwegein, Netherlands

Johari bin Ismail

Worthing, United Kingdom

Bobrm2k3

Charleston, United States

A

Anonymous

United States

melzisme

Kl, Malaysia

O

ocnis

Seattle, United States

T

tracilee

Wellington, New Zealand

B

BigWillie

Belfast, United Kingdom

N

naranburgos

Madrid, Spain

JOKer

Weisendorf, Germany

H

Habroukema

Austin, United States

D

discoball

Monterey, CA, United States

NedRyerson

Munroe Falls, United States

M

Margi

Littleton, United States

N

neumans7

Vienna, Austria

Y

Yasmine

Edinburgh, United Kingdom

NA

NO ACCOUNT

Bluba, Germany

R

roozbeh

United States

K

kabatscarlett

United States

mhooper1962

London, United Kingdom

R

rhompa

United Kingdom

K

Keith

Luxembourg

SuperMario28

Cudahy, United States

Lou Kaucic

Sanbornton, NH, United States

G

Gianni

Venice, Italy

N

Nick

Greater London, United Kingdom

Tobias Königs

Sancta Colonia Dei Gratia Romanae Ecclesiae Fidelis Filia, Germany

MC

United States

R

Ryan

United States

R

Rahima

United States

Dan Brinkman

Lynden, WA, United States

KG

Kate Goodwin

United States

A

Anonymous

United States

D

Dalton

San Francisco, United States

A

Anonymous

United States

A

Anonymous

United States

Ask Faith 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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  • Faith    Jun 3, 2019

    Hello Lender have been repaying my loan religiously on every Saturday since January, and have not been updated by Zidisha team, its unfortunate I have been adversely been affected by what has been going on since my credit reputation has been negatively affected.
    I will post transaction reference as an evidence as follows.

    "NAQ6F5LQBI Confirmed. Ksh200.00 sent to Zidisha Inc. for account 0706126526 on 26/1/19 at 8:18 AM New M-PESA balance is Ksh241.02. Transaction cost, Ksh23.00." This was for January 26th 2019.

    "NB21KQNYL7 Confirmed. Ksh500.00 sent to Zidisha Inc. for account 0706126526 on 2/2/19 at 11:11 AM New M-PESA balance is Ksh0.00. Transaction cost, Ksh23.00." This transaction was for Feb 2nd 2019.

    "NB92QDXM1C Confirmed. Ksh500.00 sent to Zidisha Inc. for account 0706126526 on 9/2/19 at 11:25 AM New M-PESA balance is Ksh0.00. Transaction cost, Ksh23.00." this Transaction was for 9th Feb 2019.

    "NBG1VZI5K7 Confirmed. Ksh500.00 sent to Zidisha Inc. for account 0706126526 on 16/2/19 at 12:25 PM New M-PESA balance is Ksh0.00. Transaction cost, Ksh23.00." this was for 16th Feb. 2019.

    "NBN82HK3VK Confirmed. Ksh500.00 sent to Zidisha Inc. for account 0706126526 on 23/2/19 at 1:23 PM New M-PESA balance is Ksh2,158.38. Transaction cost, Ksh23.00." and this one for 23Feb. 2019.

    "NC92DTLRSY Confirmed. Ksh500.00 sent to Zidisha Inc. for account 0706126526 on 9/3/19 at 11:04 AM New M-PESA balance is Ksh73.62. Transaction cost, Ksh23.00." this is for 9th March 2019.

    "NCG7K3TPKF Confirmed. Ksh500.00 sent to Zidisha Inc. for account 0706126526 on 16/3/19 at 8:37 PM New M-PESA balance is Ksh10,217.42. Transaction cost, Ksh23.00." this for 16th March 2019.

    "NCN0P5JH40 Confirmed. Ksh500.00 sent to Zidisha Inc. for account 0706126526 on 23/3/19 at 12:16 PM New M-PESA balance is Ksh799.61. Transaction cost, Ksh23.00." this is for 23rd March 2019.

    "ND681GIBW0 Confirmed. Ksh500.00 sent to Zidisha Inc. for account 0706126526 on 6/4/19 at 9:05 AM New M-PESA balance is Ksh615.10. Transaction cost, Ksh23.00." this one for 6th April 2019.

    "NDR3INJK17 Confirmed. Ksh500.00 sent to Zidisha Inc. for account 0706126526 on 27/4/19 at 9:58 AM New M-PESA balance is Ksh577.87. Transaction cost, Ksh23.00." this for April 27 2019.

    "NF13APXXC5 Confirmed. Ksh500.00 sent to Zidisha Inc. for account 0706126526 on 1/6/19 at 5:05 AM New M-PESA balance is Ksh380.80. Transaction cost, Ksh23.00." this is for 1st June 2019.

    I call upon Zidisha team to kindly update my account and compute the loan balance properly.

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    • Lotus Flower    Jun 3, 2019

      Faith, I'm sorry to hear about the problem, but your borrower-lender Discussion page isn't the correct place to try to reach the Staff: www.zidisha.org/team (they almost never visit that screen on any borrower's account).

      Please click on your HELP link in your account and then on the drop-down box of subject options. Select the "Payment not credited" option, fill in the details, and send that private message to the Staff.

      Please be patient for a reply, because the Staff currently is
      only two (2) people.

      Thank you, and best wishes.

      Log in to reply • Share
  • Faith    Jun 3, 2019

    I have been paying my loan,,since Jan and I'm not seeing my paying update

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  • Faith    Mar 19, 2019

    Hello lenders, I seek your resilience and that one of Zidisha fraternity, I am committed on repayment of this loan, of late I have increase installment from 200 KES to 500 KES.

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  • Faith    Nov 8, 2018

    Lenders, kindly I plead with you to bear with me, I am trying everything possible to come back on track.
    Sincerely,
    Faith Nyambura.

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  • Stephen    Mar 29, 2017

    Halo dear lenders ,
    I communicated with Faith and she have been undergoing a great financial constrain. But she communicated that now she's in a position to start making her payments.

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  • Faith    Dec 5, 2016

    Kindly my lenders I have been having a tough time financially, I have been trying very much due to bad business season, but since the business is slowly picking up, I would like to start paying back little by little and as the business improves I will increase my repayments as I remain committed in repaying this loan in full. Kindly my lenders bear with me at this tough times, tough times never last for lever.

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  • Kate Goodwin    Aug 2, 2016

    How are things going? Do you know when you will be able to make your next repayment?

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  • Faith    Jun 15, 2016

    Good day lenders, this is yet another fold of milestone that I have realized in life. It is not an easy thing to be entrusted with other people's money who are far apart. I will wisely invest this money into the expansion if my shop, this will boost my sales because, I will make sure that fast moving good are available for my clients, thus creating customer confidence in my business.
    I cannot thank you enough my lenders, for your continuous support, were it not for this support I may not have reached this far, kindly receive this appreciation from deep of my heart.
    God bless you all.

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  • Faith    May 12, 2016

    Hello lenders, I have had a good time in my business, it is really doing well. I am looking forward for a bright future, with your support.
    Thank you zidisha for taking me this far, were it not for you I don't know where I could be now.

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  • Faith    Apr 27, 2016

    My business is really thriving courtesy of Zidisha loan, I am planning to complete paying this loan in time and probably secure another to even expand further for much higher returns.

    Thank you Zidisha

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  • Faith    Dec 30, 2015

    Thank you lenders for your continuous supports, this loan is of great importance as the new year approaches. I will buy some more stock for my shop. This will go a long way in stoking my business at such a tough times of the year. Once again I appreciate your tireless effort and support that make us what we are.
    God bless you all.
    Kind regards, Faith.

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  • Faith    Dec 22, 2015

    Dear lenders, the previous loan was very useful for me coz it assisted me to increase my purchases which made it easy for me to avail the required commodities to my clients at the required time. This improved my sales and the revenue which made it easier for me to repay the previous loan, my living standard also improved as I was able to shift into a one bedroom self-contained house from a double roomed house. All this was made possible courtesy of Zidisha loan.
    Thank you all, Thank you Zidisha.

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  • Faith    Dec 18, 2015

    My business is doing well and I would like to finish this loan early to get opportunity for another loan to continue expanding my business.
    Thank you all, Thank you Zidisha.
    With regards: Faith nyambura

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  • Faith    Sep 10, 2015

    Thanks lender I have received the money 6928 KES, because due to increased cases of defaulters, it was deemed necessary to operate a reservoir fund to be compensating Lenders in case borrowers default but nevertheless I have received the money and will go a long way in helping me in my investments. I will be uploading a picture on my development.

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  • Faith    Sep 7, 2015

    Thank you my lender for accepting to fund my request, I will religiously honor the repay of this loan. My God bless you and make you a great man.

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