Help mama vinnie beuti shop increase its inventory

Josiphine Nyaboke

Taveta, Kenya

100% repaid



Josiphine Nyaboke

Member since

January 2015

On-time repayments

203 installments  •  44%

About Me

I Started My Beaut Shop after doing travel and school bags business since 1993, i was brought up in an extended family back at Kisii, Gucha district.My dad past away early hence i was born of the second father who married my mother there after. I attained form four academic result but the education since primary school was not that smooth. I use to leave school go help my mother brew traditional beer from which i would buy books ,uniform and pay school fees. It was hard to raise money in time hence it affected my academics. When there was no capital after depleting it through fees payment i was forced to go out to all ready harvested gardens and collect the leftover which i could sell to get capital for my mum business. Through this i managed to learn entrepreneurship skills which i latter used when i got married to start my business. I have tailoring skill which i do part time. All this i do to protect my children from what i went through while getting their education. With little saving i hard raised from my farm which my husband hard rented i started the Bags business which was mainly for food provision in my family. After my two children graduated i decided to change the business to beaut shop so as to enable myself a permanent business with comfort . Being a well known woman in my village and town i meet a lot of young ladies and women who are conscious about their outlook and beauty, Having seen this opportunity i decided to open a new business which within a short time i have seen more customer flock in. Two of my son wish to get a formal job while one wants to be a politician. The other who is the first one is an IT specialist and entrepreneur who interested in using technology to improve live of local people. Most of my free time i stay with young ladies and mother and try to educate them on entrepreneurship and how to face life challenges. My past has dedicated my present life hence i can model my future now. I believe zidisha has the same in the heart of its found.

My Business

I sell Beauty products to local people. I have taken my first loan and successful paid it back.I Am Seeking the second loan again.Whenever we meet with other women in my village i see an opportunity in them by offering my products in the shop. The demand has raised with the change of culture into modern life style. each young lady and woman wants to shine hence gain social status which in turn is an opportunity for me to server their wants.The business does not require a lot of knowledge and academic skills. Same customer while raise the demand and query and place an order of a product which i will restock for the next inventory.Inventory is the only cost as i am to sole proprietor of the business. Most of the income is geared at assisting my family attain good life,good
education. I extend my help young mothers by giving advice and day to day financial needs. I reinvest the rest into business for its expansion and be able to employe other. Last i plan to finish the construction of my house.

Loan Proposal

I plan to invest the whole loan in Restock with new product line and meet the demand of current outstanding order. I will satisfy most of the customer who i have turn down due to lack of the product on the shelf. This will boost my profit as some stock sell in companion like shampoo and hair conditioner, face powder and lotions. I expect my profit to grow 50% hence be able to employ one shop attendant.






Loan Info

Project Type

Classic Loan

Disbursed amount


Date disbursed

Jan 21, 2015

Repayment status

On Time

Projected term

7 weeks

Cost to entrepreneur

Lender interest: $50.08 at 5.82% annual rate over 1 month = $0.42

Service fee: $0.27




Republic of Korea



Duisburg, Germany





United States



Hamburg, Germany

Ask Josiphine a question about this loan project, share news and photos of your own, or send a simple note of thanks or inspiration.

Please log in to comment.

  • Charles Manyange    Jan 31, 2018

    I contacted Francis Maoto the brother to Josiphine Nyaboke who promised to reach her immediately. I'm following closely to ensure action is taken.

    Log in to reply • Share
  • Charles Manyange    Dec 4, 2017

    Josephine promised to start her repayment the end of this week

    Log in to reply • Share
  • Charles Manyange    Nov 3, 2017

    Josephine Nyaboke explained that her business was affected by the general election but she will resume her repayments soon.

    Log in to reply • Share
  • Josiphine Nyaboke    Jul 29, 2017

    Business is slow due to forthcoming national election

    Log in to reply • Share
  • Charles Manyange    Jul 28, 2017

    I have talked to Josephine kerubu and she has apologized for the delay and she has promised to make repayment tomorrow.

    Log in to reply • Share
  • Josiphine Nyaboke    May 7, 2017

    Hello zidisha lenders, I did receive my loan yesterday on 6th may and i was so happy after that long wait. I placed an order from Mombasa wholesaler and i intend to go and collect the packaged today. Once i have received them i will update you with my new pictures of the shop. Thank Zidisha Lenders, Thank you zidisha team.

    Log in to reply • Share
  • Josiphine Nyaboke    May 5, 2017

    Hello Zidisha Team, Thanks for giving me a chance to boost my business, am still waiting for disbursement today so that i can add my stock timely as i had planned. Thank you again and again for your kindness.

    Log in to reply • Share
  • Charles Manyange    May 3, 2017

    Hallo lenders
    It has been more than one week since Josephine accepted here loan but still bending disbursement. Please try and help her on this issue. Thank you

    Log in to reply • Share
  • Josiphine Nyaboke    May 2, 2017

    I am eagerly waiting for the disbursement to add the stock to my shop . Thank you zidisha lenders

    Log in to reply • Share
  • Josiphine Nyaboke    Apr 28, 2017

    Hello Zidisha Lenders, I would to thank you for all assistance and generous contributing to my loan. I am going to spend 25,000 to buy new stock, 1000 will be used for transport and the rest will remain as operating cash for any specific order arisng.
    The loan will increase my profit by 3000 each good month, hence i will save more for my new saloon this coming december.

    Log in to reply • Share
  • Josiphine Nyaboke    Apr 15, 2017

    Hello lenders, I would like to thank zidisha lender for the support they have to me and many other borrower, with your loan am now to strive in the hard time of economy without closing my shop. My child is about to complete college studies and it has be easy due to your support.Thank you zidisha community.

    Log in to reply • Share
  • Falex Onchere    Dec 4, 2016

    Hi zidisha and lenders Josiphine rang me and told me that she encountered some problems but she has managed to send her arrears on 3rd December 2016 and now she is waiting for accreditation on her loan page . thank you

    Log in to reply • Share
  • Josiphine Nyaboke    Sep 4, 2016

    Hi Onchere, am fine , i have just received stock from my business supplier. I will post the picture of my new stock with some wedding accessories.

    Log in to reply • Share
  • Falex Onchere    Sep 2, 2016

    Hallo Josiphine, how is your business, I hope you safely received your package and you are making good use it. I wish you the best returns of whatever you will purchase.

    Log in to reply • Share
  • Josiphine Nyaboke    Aug 30, 2016

    Thanks Zidisha Team you have made your services excellent with the progress in shortening time for waiting for the loan. As i had said, am going to restock m shop and employ two casual girls to assist me in my business. The loan will also increase my sales volume hence increase my profit. Thank you zidisha . God bless zidisha team and the lenders out there will to extend a hand of help to us.

    Log in to reply • Share
  • Josiphine Nyaboke    May 7, 2016

    Please your onetime rate is to high to be economical for small business. Please review it .

    Log in to reply • Share
  • Josiphine Nyaboke    Sep 7, 2015

    My Restocked shop

    Log in to reply • Share
  • Josiphine Nyaboke    Jul 21, 2015

    Thank you lenders i received the money(ksh 27800) about $300, i have added stock to my shop and a am currently happy to say i have employed a sales girl.

    Thanks Zidisha community.

    Log in to reply • Share
  • Josiphine Nyaboke    Jun 18, 2015

    Hello lenders, thank you for your generous contribution towards my loan. This loan is going to expand my business by buying more stock of beauty products, hair treatment chemicals, hair food oil, shampoo, carolite and i will add a new line of hair style products . I am planning to recruit a new sales girl to enable extend my working hours especially when we meet for our women weekly social meetings.

    Log in to reply • Share
  • Victor Okemwa    Jun 17, 2015

    All the best Nyaboke

    Log in to reply • Share