Harvest and buy more beans and cereals to sell

Rosemary

Buduta, Kenya

26% repaid

Entrepreneur

Name

Rosemary

Member since

March 2014

On-time repayments

267 installments  •  23%

About Me

Rosemary manga is number five in a family of eight. Being a humble family unfortunately our father died a long time ago while i was in form 2 at Eregi girls high school. Because of school fees had to change school and joined Bukaya secondary school. Our Elder brother being the only Mature figure around took over all the responsibilities as a father.
Though thick and thin finished high school and joined a nursing school graduated and now a nurse at Buduta dispensary in Samia district in Busia county.
To shelve my brother of some responsibilities I started a small business where I lease farms plant cereals and sell the harvest. I also buy on wholesale and sale on retail at my local store at Bukiri. The profit received is used to purchase more stock and the extra used to support my young siblings in paying school fees.

My Business

My store deals in buying on wholesale ans selling on retail.We also sell our cereals directly from our leased farms.
the cereals include - Beans, Maize,Sorghum, millet, rice, soya beans etc.
On demand a sack of maize goes at 2000/= on wholesale. retail price is about 3200/= here a profit of 1200/= is realized, so if you purchase fifty bags at the same price and sell at retail price then the profit is 60000/=.
For any business a profit of 60000 after a short period of time is paramount.
This loan will help me expand my area of operation and also assist me achieve my goal. I want to use this second loan to weed for the second time and also add manure to the crops to add value. This is also in preparation to harvesting beens and buying on wholesale from other famers to stock my cereals shop. This is my second loan.

Loan Proposal

Hi lenders,
for a third time I once again salute you for great things you've done in my life since I joined Zidisha. I leased a farm planted maize, beans and sorghum.
You helped me manage the farm through your loans until now when am havesting. I decided to clear my second loan a bit early to anable me take a third loan to help me harvest the remaining farms and buy more beans during this harvest time on whole sale so I can stock my cereals shop in preparations for sale when prices go high.
I target to buy 10 sacks of beans at about 60 dollars each a total of about 600 dollars.
8 sacks of sorghum at about 200 dollars. The remaining amount will be used to harvest the remaining farms.
I want to thank you in advance for your continued support in seeing to it that projects are brought to success.
Long live to Zidisha.
God bless you all.

Feedback

7

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Loan Info

Project Type

Classic Loan

Disbursed amount

$813.00

Date disbursed

Jul 2, 2014

Repayment status

Late

Projected term

83 months

Lenders

AWOL

USA, United States

N

nitram

Stockholm, Sweden

D

Delph007

Den Haag, Netherlands

G

grahamfamily

Guildford, United Kingdom

K

kaf121

Lynnfield, United States

Cloudways

Malta, Malta

Jouni

Finland

ads68

Melbourne, Australia

gseletko

South Perth, Australia

Sarasota

Sarasota, Fl, United States

A

Andrea

Berlin, Germany

markpearson

Portsmouth, United Kingdom

T

Texikan

Fort Worth, United States

sderickson

Berkeley, CA, United States

Matching Fund

Sterling, United States

U

undertow

Zadar, Croatia

NA

NO ACCOUNT

Bluba, Germany

M

mb210047

Miamisburg, OH, United States

D

Daisy

Netherlands

B

beckynagel

United States

L

leumasmc

United States

C

charleen

United States

C

cojoakerr

United Kingdom

Vesa

Helsinki, Finland

G

GDean

United States

M

Margarita

Netherlands

ThomasJosef

Berlin, Germany

Ask Rosemary 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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  • Rosemary    May 19, 2019

    kindly allow me just do the above for now will correct immidiately

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  • Rosemary    Dec 30, 2018

    had lost my login credentials

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  • Rosemary    Feb 12, 2017

    My loan is in arrears and due to having updated my finacial records want to pick up and maintain an upward ontime repayments. Thanks.

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  • Rosemary    Sep 7, 2016

    Determined to clear my loan. Will increase this installment to a higher amouunt soon.

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  • Rosemary    Jun 27, 2016

    kindly just to update my payments and to move out of late repayments status.

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  • Rosemary    Apr 26, 2016

    Just to update my account to be back on track. Sorry for the inconveniences.

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  • Rosemary    Mar 5, 2016

    Kindly back to track.

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  • Rosemary    Dec 22, 2015

    Allow me to continue paying the normal amount av been paying to avoid getting into arrears again.

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  • Rosemary    Oct 16, 2015

    Kindly am reorganizing my self and this is for a short while. I assure you that trust me.

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  • Rosemary    Sep 12, 2015

    Due to inconveniences and personal troubles av not been able to pay in time my loan but will work hard to be through with it in due course.

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  • Rosemary    Aug 8, 2015

    Kindly am in arrears and opted to reschedule to keep up the normal rate Will maintain thanks alot.

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  • David    Aug 1, 2015

    Hello lenders,
    About rosemary
    I visited her personally and talked to her, looking at her records I realized she has done her best despite a series of problems that came her way.
    I advised her rescheduling as many times as she can to avoid getting into arrears. She has also picked up well and she promised to reschedule her loan to come out of arrears.
    She also promised to pay in something to be up with her payments.
    Will stiil follow up since I can trace her.

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  • Rosemary    Jun 23, 2015

    Whatever the case I must use all means to repay my loan trust me lenders.

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  • Rosemary    Jun 9, 2015

    I don`t want to annoy my lenders by being in arrears once more. Allow me reschedule my loan to maintain on time payments.

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    • Alex Graniere    Jun 9, 2015

      Hi Rosemary,

      If you need to temporarily reduce your installment to an amount you can afford to pay right now, please go ahead and make that small payment. To do this, please log into your Zidisha account and click on "Adjust Installment Amount," and follow the instructions there. You may then increase your installment again when you are able.

      Regards,
      Alex, Zidisha Team

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  • Barnabas    Jun 8, 2015

    Hello!
    Evening mum i have a colleague who have been an active member of the Zidisha but when the system changed its way of logging in she cant since the mail that she used was blocked and she cant remember it so she was requesting you help her recover her email so she can asses her account her name is Seraphine Amukulon Otwani of 0720656568

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  • Rosemary    May 19, 2015

    Due to accrued installments. I move to paying 1000 to get out of arrears.

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    • beckynagel    May 24, 2015

      Glad you were able to make arrangements Rosemary. Hope everything is going better for you. I hope that you are feeling better!

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      • Rosemary    Jun 9, 2015

        Thanks very much for your concern Beckynagel, actually life has been tough but I thank God that everything is normalizing now. My family and I are fine and getting on well.
        Nice to hear from you beckynagel
        Thanks.

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  • David    Apr 21, 2015

    Hello lenders,
    I had talked to rosemary manga and She has rescheduled her loan and also told me she had made some payments. Hopefully if the payment is effected she should be out of arrears.
    Otherwise she had problems and she is picking well.

    David Odindo
    Vm kenya.

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  • Rosemary    Apr 20, 2015

    I decided to reschedule my loan to come out of arrears and to update my payments to date.
    Thanks a lot for being there for me.

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  • Rosemary    Apr 10, 2015

    Dear lenders,
    Life has been too challenging but My trust in God believ will not let me down.
    I have missed one payment though don't want to reschedule unless am forced to. Otherwise be a little patient as I reorganize to pay in something small to clear my arrears the soonest.
    The following are photos of my current situation since my condition has been on and off but I believe they are with time going to end.

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  • Rosemary    Mar 22, 2015

    Dear lenders,
    It is long time since I came off track. I want to say sorry for the inconveniences I have cost you . and I thank God am a bit fair now. Want to try my best to keep up the spirit and repay my loan as scheduled. Please don`t do away with me I trust God will help me be steady.

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