Grace

Nakuru, Kenya

100% repaid

Entrepreneur

Name

Grace

Member since

March 2013

On-time repayments

14 installments  •  36%

About Me

l was born in Nakuru county and attended Nakuru high school and later joined Menengai training institute where l was trained as a secretary.since jobs were hard to come by l opted to go for self employment my friend introduced me to the cereal business. my elder brother advanced me ksh 10,000 that l used as the initial capital for the business.since there was a lot of demand for the cereals and especially rice l; thought of opening a store instead of operating in the open market and later rented a store in the bargain area of Nakuru up to today.am married with three kids and business help me to meet their needs and most of the earnings l buy more stock for the business.

My Business

l normally stock all types of cereals that includes rice, maize,beans, kamande, ndegu.most of the cereals l buy from the farmers at a fair price and since l buy in large quantities their prices are relatively good and able to sell to my customers at a competitive price and this enables me to make more profits.l do also look for orders from the schools around and supply them with the cereals.this has boosted my profits and right now l want to venture into hotels in and within the town.the business gives me around ksh 30,000 every month as profit and mostly do sell around ksh 150,000 as sales.the future of my business is very promising and if advanced with the loan it will help me in buying more stock.

Loan Proposal

Hi my lenders,thanks very much for giving me this opportunity to apply loan with zidisha,i thank alot zidisha team for what they have done to me so far actually their have been much concentrated with my activation.as a business person i will use my first loan by stocking items that are demand-able so that i may serve more customers.i will then apply for a second loan that i will expand my business,i hope zidisha will completely change my life in terms of capital.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$100.00

Date disbursed

Apr 25, 2013

Repayment status

On Time

Projected term

14 months

Other loans

Lenders

lucafrangi

Vienna, Austria

russell

leicester, United Kingdom

Sundstroms

Falun, Sweden

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  • Sammy    Jun 9, 2014

    Dear lenders,i'm Sammy Kanja Vm. I come a cross Ms.Ndungu and notice her business is not well due to lack of commodities.wil repay any time.

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  • CZC    Mar 27, 2014

    Ms. Ndungu,

    I hope you are OK. It's been a very long time since we've had any updates from you on your business. Could you please tell us if you've encountered any problems and when you might resume repayments?

    I am concerned because you are now more than 2 months in arrears ($83).

    Thanks,
    Cris

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  • CZC    Mar 6, 2014

    Ms. Ndungu,


    How are you doing? How's business? I see you have fallen behind in your repayments. Could you give us an update and an idea of when you might restart making payments? I would suggest you reschedule your loan so as not to damage your on-time repayments score.


    Thank you,
    Cris

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  • CZC    Jan 30, 2014

    Hi Grace,

    Hope everything is going well for you and your business. Could you give us an update on your business prospects?

    Thanks,
    Cris

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  • Grace    Aug 17, 2013

    I have also been able to get a variety of customers from different place and now l supply in bulk.Now l don't face stiff competition from my other business personnel because l am now supplying in large quantities.God willing l will became better and bigger thanks to the loan you gave.l thank you very much for the loan.

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  • Grace    Aug 17, 2013

    I have also been able to get a variety of customers from different place and now l supply in bulk.Now l don't face stiff competition from my other business personnel because l am now supplying in large quantities.God willing l will became better and bigger thanks to the loan you gave.l thank you very much for the loan.

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  • Grace    Aug 17, 2013

    I have also been able to get a variety of customers from different place and now l supply in bulk.Now l don't face stiff competition from my other business personnel because l am now supplying in large quantities.God willing l will became better and bigger thanks to the loan you gave.l thank you very much for the loan.

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  • Grace    Aug 17, 2013

    I have also been able to get a variety of customers from different place and now l supply in bulk.Now l don't face stiff competition from my other business personnel because l am now supplying in large quantities.God willing l will became better and bigger thanks to the loan you gave.l thank you very much for the loan.

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  • Grace    Aug 17, 2013

    hi lenders and the entire Zidisha team.l would like to inform you that l have found a new place to collect some other various types of cereals at a cheaper price.This place is in Dundori on your way to Nyahururu county.l get them at a very cheaper price therefore l have been able to sell them to my customers at a more cheaper price.This will increase my profit and hope to repay the loan.

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  • Grace    Aug 17, 2013

    Hi dear lenders.l hope you have all been well.l am also doing well with my family.My husband is going on with treatment but now he has improved a bit.My shop is also doing fantastic.l hope to repay the loan in the next few weeks.l thank you for being patient with me.l will make an effort to complete the loan.l wish you all nice times

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  • Grace    Aug 17, 2013

    Hi dear lenders.l hope you have all been well.l am also doing well with my family.My husband is going on with treatment but now he has improved a bit.My shop is also doing fantastic.l hope to repay the loan in the next few weeks.l thank you for being patient with me.l will make an effort to complete the loan.l wish you all nice times

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  • Grace    Aug 17, 2013

    Hi dear lenders.l hope you have all been well.l am also doing well with my family.My husband is going on with treatment but now he has improved a bit.My shop is also doing fantastic.l hope to repay the loan in the next few weeks.l thank you for being patient with me.l will make an effort to complete the loan.l wish you all nice times

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  • Grace    Aug 17, 2013

    Hi dear lenders.l hope you have all been well.l am also doing well with my family.My husband is going on with treatment but now he has improved a bit.My shop is also doing fantastic.l hope to repay the loan in the next few weeks.l thank you for being patient with me.l will make an effort to complete the loan.l wish you all nice times

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  • Grace    Jun 20, 2013

    dear zidisha, my cereal shop is doing well during this season. i hope you are alright. this place is so cold in this season. the climate have changed alot.my dear husband is suffering from athrities which has made me to use alot of money in buying medicine. i hope to repay this loan, and then i can get another loan which will boost my business. i had already started making my repayments without any problem. i hope this platform will assist me while am raising my family financially. i wish all of my lenders a happy moments.thanks so much all my lenders

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  • Grace    Jun 18, 2013

    dear all my lenders am so sorry for being late in my first repayment, this is because i was given a check which has not matured yet to withdraw my cash. this is a high school which i used to supply maize and beans.i hope to pay my due may be tomorrow, but since i dont want my account to turn low in my repayments,i have decided to reschedule for one month. though i will pay ealier. my whole family is well with un exception of my lovely husband who is suffering from athrities. i hope he will recover soon.

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  • Grace    Apr 27, 2013

    dear all my lenders. am very happy to join zidisha. my loan was disbursed this week. this is very great to me. am planning to continue with zidisha without any problem.i promise to make my repayments in time. am so thankful to all of you and since my husbund is not working due to joints injuries, i will work hard because this loan has boosted my business very much. am planning to borrow at least much more amount to boost this business. my two childrean a boy and a girl are in secondary school. i wish to work hard to educate them through this platform.i wish all my lenders from all corners nice moments. i also welcome all of you in our country kenya.we are living in peace. thanks

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