Inventory of paint for homes

Julia

Kahawa Wendani, Kenya

27% repaid

Entrepreneur

Name

Julia

Member since

November 2014

On-time repayments

121 installments  •  10%

About Me

My name is Julia Karanja a Kenyan lady by birth.I am the third born in a family of five children,I am a business oriented lady and I started business early enough to have gained good experience during my time in business.I am a chef by profession where I specialized my course at Nairobi Aviation and Utalii College, I used to work and at the same time manage my fathers hardware where I am the manager now.My Dad decided to hand over the business to me fully after he saw my hardwork and good management skills.I have never looked back and I have always worked hard to shine in the business never to let him down.I grew up in Muranga county and during my childhood I used to be a staunch christian like my parents used to teach us.

My Business

My business is Hardware a luxury brand in the home furnishings marketplace offering furniture, lighting, textiles, bathware, and décor, outdoor and garden. Karanjas hardware is an integrated business with multiple channels of distribution. We have a good reputation from yester years as we have always insisted on quality goods.
I have a good reputation in my community and have gained trust to a number of customers and I am always thankful to them because they have kept me going and I have always promised good and quality service.The market at the moment is rapidly growing because Kahawa Wendani is at its peak of growing at the moment so many apartments are being brought up every now and then.
Per month we make a profit of between 775.62 usd and 886.43 usd which is not bad profit and if the trend goes on like that or beyond that mark, I am planning to start another serious décor hardware where I will be getting my staff from Dubai and China God willing. At the moment the profits are used to re-stock new Items in the market and I have a task of schooling my little brother and sister who are still in school.

Loan Proposal

I am applying for this second loan because the first loan made a great impact in my business, although the December holidays pulled the business behind a little bit now business is back to normal this January, and I believe this being a higher amount if funded on time will be of great impact to the business. With paints alone now I am able to make at least 43.65 usd everyday on paints alone.I now want to introduce more advanced paints than the normal ones that I was selling when I first introduced paint to my business. I came to realise by having all the required coats and varieties one can make so much with paints, this is because they go with coats. I tend to introduce emulsion finishes,gloss and semi gloss finishes,esta economy range,specialized finishes, wood finishes and preservatives just to mention a few. The cheapest goes for 4.70 usd and I can sell it upto 6.3 usd market price. While the most costly goes for around 152.75 usd based on Kgs and I can sell upto 160.1 usd I calculated this maths and came to a conclusion, that I can even specialise on paints alone and do very good in the business.

Feedback

1

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Loan Info

Project Type

Classic Loan

Disbursed amount

$200.00

Date disbursed

Jan 26, 2015

Repayment status

Late

Projected term

26 months

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Ask Julia 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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  • Joseph    Oct 2, 2015

    hello lenders I contacted Julia concerning her loan and she promised to make her payments over the weekend.
    regards
    Joseph

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  • Julia    Sep 22, 2015

    I am not able to pay the full installment on time.

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  • Julia    Aug 19, 2015

    I want to maintain a pace of kshs220 weekly

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  • Joseph    Aug 1, 2015

    Hi lenders, I contacted Julia concerning her repayments and she promised to clear the amount in areas in three days time.
    regards
    Joseph.

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  • Julia    Jul 24, 2015

    300 hundred is quite stressful

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  • Julia    Jun 17, 2015

    I want to atleast pay 300 so that my payment can be faster, the other installment of 200 was taking quite some time, to finish paying. thanks.

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  • Joseph    May 21, 2015

    Hello lenders , i contacted Julia concerning her repayments and she indicated that she will be clearing the amount in areas by the end of this week
    Regards
    Joseph

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  • Julia    May 6, 2015

    Its stressing me to pay on time as business this season is not very good.

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  • Joseph    Mar 31, 2015

    Hello I have been trying to get in touch with Julia concerning her repayments but I haven't reached her yet ,will let you know once i talk to her.
    regards
    Joseph

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  • Julia    Mar 1, 2015

    I have not been feeling well and my late payment is a good evidence, I kindly ask to pay the following amount for quite some time untill I fully recover and go back to normal business. Thank you

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  • Joseph    Feb 25, 2015

    Hello lenders, this morning I contacted Julia concerning her account which is in areas and she promised to send her repayments before this weekend.
    regards
    Joseph

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  • Julia    Jan 30, 2015

    Its many Thanks to all my lenders who made it possible I got the loan and I am extremely doing well.

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  • Julia    Jan 24, 2015

    Thank you so much, all lenders who made this second loan a success. I have a reason to smile now and to take my business to the next level.

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  • Julia    Jan 23, 2015

    I am writting to thank all my lenders for the wonderful job they are doing. I am extremely appreciate for the loan because now I am a step ahead than last year. I bought the paints and introduced it to the business and it is doing extremely well. The loan made a great impact both in my life and my business.

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  • Julia    Jan 22, 2015

    So far so good, I thank you all the entire Zidisha Community. I am going on very well with my business and I look forward to do more great things with your help. Even though January has not been so good I cant complain much, I have been able to pay on time and I believe all will be okey and I will finish paying my loan on time.

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  • Julia    Dec 8, 2014

    I take this special moment to thank all those lenders who made it possible, funding my loan on time I have a reason to smile now. Thank you so much and I am very greatful.

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