Milkah

Rironi Trading Center Thogoto, Kenya

100% repaid

Entrepreneur

Name

Milkah

Member since

January 2013

On-time repayments

184 installments  •  30%

About Me

I am Milka Njeri. I was born in the year 1988 on the 25th of June at Rimuru district, which is in Central province in Kiambu county.

Being the third born in my family, I later joined a primary school. I started my primary education at the area up to class eight, where I sat for my Kenya Certificate of Primary Education. After completing my primary school education, I later joined a secondary school, which is at Rimuru Trading Center, up to form four, where I sat for my Kenya Certificate of Secondary School.

After my high school education, I joined Kabete Technical Training Institute for a course in I.C.T. Later I was employed as a business lady in a boutique, where I managed to save money to start my own business of a boutique in Nakuru for about one year. Later I moved to Free area in Nakuru, about three kilometers from Nakuru-Nairobi Highway, where I operate my business of a cyber[cafe]. I operate my business in plot no. 1096 at Free Area Trading Center.

I am a single lady. When I was in Nakuru, I managed to join one of the known groups in Nakuru by the name Winners Self Help Group, where I started my saving till now I am a member. I operate my business in my plot where till now I operate my business of a cyber. I also do other computer services such as photocopying and scanning, among others. I am a Christian and a follower of IN HIM VICTORY FELLOWSHIP at Free Area, which is within our locality. I live at Free Area Trading Center in plot no. 1096.

My Business

My business is located at Rironi Trading Center, which is about three meters from Thogoto, which is our nearest town in Kikuyu district. My business entails a cybercafe and other computer services such as scanning, photocopying and printing, among other services, at Free Area, Nakuru County.

I started my business in more than two years after gaining my I.T. education in college. My business has grown up to a level [that I] purchas[ed] a refrigeration machine for preserving drinks for my customers. My business is located in a strategic position, where I have attracted many customers from our nearby institute, where students come for internet at my cyber. Also, it is only my cyber which operates in this area. The business is excelling because the area is highly populated because it is the only place where students get houses for accommodation at a cheaper price, making them to have internet in my cyber.

The main problem I have is lack of money to buy more computers to serve my customers, who increase day to day because the area is expanding at a high rate due to increases in population and technology. My stock is worth ksh 150,000 ($1,500 USD). The main challenge facing my business is lack of money to fulfill my goal to expand my business and accommodate more customers. I will be in a good position if I get the loan I am applying for, because money is my challenge in fulfilling my goal.

Loan Proposal

Hi lenders
It is a new year that have started very well , i would like to appriciate all Zidisha organization for my loan activation. I would like to buy more central processing unit (C.P.U) to satify my customer especialy this time all institution are open, also i would like to expand my business so that it can occupy more customer at time. I will appriciate all lender for your good work you are doing, may God bless you all.

Show original English  

About Me

I am Milka Njeri, I was born in year 1988 on 25 JUNE at Rimuru district which is in Central province in Kiambu county being the Third born in my family, I later joined a primary, I started my primary education at the area up to class eight where I sat for my Kenya Certificate of primary education after completing my primary school education i later I join secondary School which is at Rimuru trading center up to form four where I sat for my Kenya certificate of secondary school, after my high school education I joined Kabete technical training institute for a course in I.C.T, later I was employed as a businesslady in a boutique were I manage to save money to start my own business of a boutique in Nakuru for about one year, later moved to Free area in Nakuru about Three kilometer from Nakuru-nairobi highway where I operate my business of a cyber. I operate my business of cyber in plot no 1096 at free area trading center, I am single lady.
When I was in Nakuru I managed to join one of the known groups in Nakuru by the name Winners Self help group where I start my saving till now I am a member. I operate my business in my plot where till now I operate my business of a cyber, I also do other computer services such as photocopy, scanning among other. I am a Christian and a follower of IN HIM VICTORY FELLOWSHIP at Free area which is within our locality. I live at free area trading center at in plot No 1096.

My Business

My business is located at Rironi trading center which is about three meter from thogoto which is our nearest town,kikuyu district, my business entail a cyber and other computer services such as scanning photocopy and printing among other at free area, Nakuru county. I started my business in more than two year after gaining my I.T education in collage. My business grows up to a level purchasing a refrigeration machine for preserving drink for my customer, my business is located in a strategic position where I have attract many customer from our nearby institute where student come for internet at my cyber also it is only my cyber which operate in this area. The business is excelling because there area is highly populated because it is the only place where student get the house for accommodation at cheaper price making them to have internet in my cyber. The main problem I have is lack of money to buy more computer to serve my customers who increases day to day because the area is expanding at high rate due to increase in population and technology My stock is worthy ksh 150000,the main challenge facing my business is lack of money as to fulfill my goal to expand by business to accommodate more customers, I will be in a good position if I will get the loan I am applying for because money is my challenge in fulfilling my goal.

Loan Proposal

Hi lenders
It is a new year that have started very well , i would like to appriciate all Zidisha organization for my loan activation. I would like to buy more central processing unit (C.P.U) to satify my customer especialy this time all institution are open, also i would like to expand my business so that it can occupy more customer at time. I will appriciate all lender for your good work you are doing, may God bless you all.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$500.00

Date disbursed

Jan 9, 2013

Repayment status

On Time

Projected term

23 months

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  • Milkah    May 23, 2022

    Happy feeling blessed God has blessed me with a beautiful baby girl,I want to share my joy with my lenders coz through the money you supposed me with am able to put food on the table for my daughter,God grace has been sufficient am able to go out with friends,I can afford a smile,

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  • Milkah    May 14, 2022

    I have change my installment because that's what I can afford every month

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  • Milkah    May 9, 2022

    Hello zidisha team am very sorry for default ing my payment,I have been going through a lot since you give me the loan,first me falling to pay the loan is coz of my mum illness she has been suffering with breast cancer for the last eleven years then passed this year this affect my payment coz my small job use to cater for her very expensive medication,I wise to pay one thousand from next month until my job is back on track I will reschedule to my payment

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  • Milkah    Dec 17, 2018

    Hi lender, first is to offer my sincere apology, for nort paying loan on time I got road accident and I was deeply affected,I than God am getting but on my feet again and I plan to continue paying the loan

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  • Wilfred Njiri    Jul 7, 2017

    I called Milka, She has been sick for some time now but she is better. She said she will pay as soon as she gets the funds.

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  • Wilfred Njiri    May 28, 2017

    I called Milka, She has been sick for some time now but recouperating. She will start paying next month.

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  • Wendy Emlyn    Dec 29, 2016

    Hello Milkah, you've been making these very low payments for about 11 months now. Are you able to increase them now, in order to pay off your loan quicker?
    God bless,
    Wendy

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  • Wendy Emlyn    Mar 6, 2016

    Hello Milkah, can you get in touch with Zidisha to reduce your payments to a more manageable level? That is better than letting yourself get behind with your payments, which can make it harder to get a future loan.
    God bless you,
    Wendy

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  • Wilfred Njiri    Mar 2, 2016

    Dear Lenders, I talked to Milkah today, she said she had some problems that caused her skip the payments but she said she will pay on Saturday coming, hopeful she honor her word.

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  • Milkah    Jan 29, 2016

    hello zidisha, i know i have failed paying my loan on time i i doent want to break the trust you have with me.Have not been doing very well lately in my business January and February are tough months for me because parents concentrate much on taking their childrens back to school so business got down at this time but come march things will be back to normallythe machine i purchased are doing great job though i will have to wait for the business to pick,having the cyber in my small village theres no high traffic of people. kindly give me time to pay the loan i will pay the loan us by the contract. thanx

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  • Wilfred Njiri    Jan 28, 2016

    I talked to Milka and said she experienced some problems that made her skip her payments, nevertheless she assured me she will pay as soon as her business picks up. She was suggesting Feb 16 or before but I requested her to try her best to pay the first installment and reschedule her payments

    VM- zidisha

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  • Wendy Emlyn    Jan 27, 2016

    Hello Milkah, are you able to start making payments yet?
    God bless you,
    Wendy

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  • Milkah    Dec 14, 2015

    hi, first is to appreciate for funding my first loan,this was a big boost for me because i was able to start my small business, i purchased two computers which i started my cyber cafe this brought a difference because i was able to offer computer services. my earning has increased from 3dollars to 6dollars a day thanks to you,this earning has help me to purchase one printer.

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  • Milkah    Jan 28, 2015

    hello zidisha i have been low on sending my payment ma business have been doing very low but am trying to make sure i pay the low by next month.
    i also appreciate for being patient with me for all this time.
    thanx

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  • Milkah    Dec 5, 2014

    Hi,i
    would like to pay the amount becouse before the demand of my business
    product was low,but now it can managed becouse the demand is high durumg
    this holiday, i am very greatful for the loan becouse it is this loan
    that have made who i am with this business,i have improve my business by seventy five percentage which is a great achievement especial like me where i have can from poor background,,i hope given another loan i will improve more than this seventy five

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  • Milkah    Mar 1, 2014

    Hi zidisha organisation, first is to thanks for funding me it have promoted me very much, also i would like to inform i have move from free area to Rironi trading center at limuru town in kenya, where i have opened another business, there is high demand for my business, i have realize that theres growing a market for rabbits in kenyaand i have thought of changing my business to farming since i have space to do my farm, i promise to start paying the loan as soon as my business picks upthank for making who i am, may God bless u all.there is a photo of my cages and their cost

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  • Milkah    Jan 24, 2014

    hi lenders,i have decided to pay the amount becouse mi business is doing well at the moment,i also wanted to to apply more money after completing paying the loan,which will aprove and increase the stock of my busines,i am very grant for the far u have promoted me,i am looking forward for fovourable respond

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  • Milkah    Sep 30, 2013

    Hi all zidisha micro finance and lenders?i would to seek for permission to reschedule my payments and reduce my monthly installments.These is so because my business has been so down that i will not be able to raise previous amounts and manage my bills too.
    I ope you will be in a position to understand my situation.
    Thank you.

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  • roberta.zenere    Sep 21, 2013

    Dear Lenders,

    my name is Roberta Zenere and I am a Kenya Country Liaison Intern at Zidisha.

    Milkah sent an email to us informing that she is experiencing some difficulties with her loan repayment. She lost her job and her project did not go well since 40 of her rabbits died due to a disease. She is now committed in finding a new job and repaying their loan.

    Milkah, all the Zidisha team wishes you all the best in this very challenging moment and we are confident that you are using all your strenghts to manage it.

    Lenders, if you have any questions, please, do not hesitate to ask.

    Thanks and best regards,

    Roberta
    Zidisha Team

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  • Milkah    Mar 17, 2013

    I have decide to extend the grace period for two month becouse i am expecting to get money from one month to come becouse a have invested to rabbit farming which also demading and i am expecting to sell them next month.also i will able to send the money immeditely after sell the rabbit,the area is proper for the rearing rabbit becouse it is the first time it have done well,thank for the loan it have promoted me very much,

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