House building

Gladys Nyawira

Nairobi, Kenya

33% repaid

Entrepreneur

Name

Gladys Nyawira

Member since

January 2015

On-time repayments

327 installments  •  82%

About Me

Having grown up in the central part of Kenya in a family of 8, farming was the major activity at home hence at a tender age I was introduced to cultivating and looking after the cattle after school and during holidays which was an interesting thing to do since I could join up with other kids to play round games in the field and also hunt. As a young girl I always aspired to be a graduate when I grew up but the dream was crashed when I finished school and there was insufficient resources to go to college hence I had to search for jobs to try and raise cash to go back to school but due to low wages, I used to live hand to mouth for about three years when a well wisher identified me as someone who was not contented with her the then current lifestyle and status. The old woman saw me to campus.
I graduated from Jomo Kenyatta University of Agriculture and Technology with a bachelor’s degree in IT in the year 2012. This I must say was a great stepping stone in my life and I was so grateful to God for allowing me a chance to go for higher learning. Being one of the few graduates in the village, I am always passionate about empowering young people in the community and for that reason after graduating I volunteered for one year to work with young girls who are finishing high school in Butere community; Western Kenya to mentor them socially, intellectually and spiritually.
I have always wanted to be my own boss and with the help of my entrepreneurship skills and being an outspoken person, I boldly ventured into urban farming last year whereby I am doing poultry farming, vegetables and rabbit keeping with the support of my family.
I love baking and pastry, freelancing and interior design. I look forward to being a successful business woman and a home maker some day.

My Business

My farming business is approximately 2 years now. I begun with poultry farming; Broiler keeping to be precise and when i realized it was successful, i decided to expand it by selling the idea to my parents who boosted the business by increasing the stock. Today i rear a variety of chickens that is broilers, layers and indigenous chicken. I recently ventured into rabbit rearing since there is a ready market in the supermarkets and 5-star hotels in Kenya. Eating healthy with chemical-free vegetables led me to begin cultivating Spinach and kale whose demand is high locally where very few people in the urban area do farming. Finally i recently began freelancing in order to advance in the area of my career that is Information and Technology.

I chose farming since with foods you can never go wrong.

I have invested $ 1,744 in my business. My monthly income is $291 which i generate from vegetables and 100 broiler chickens. I expect to leap my first income from my 21/2 months;200 chicken layers in March when they will start laying and i expect to generate $523 monthly and $116 from rabbits quarterly. I am expecting my first pay of $50 from freelancing in two weeks time. My expenses go up to $174 and I remain with a surplus of $117 which i reinvest into the business.

If i successfully qualify for a loan, i am going to increase the number of birds up to 1,000 which is my target for the next 12 months. This will allow me a gross profit of up to $ 105 daily after selling 30 tray of eggs. Meanwhile with the first loan I will increase the number of birds by buying 3 months old;20 layers chickens at $4 each adding up to a total of $81 and the remaining $22 I will top up buying of feeds whereby a 70kg growers mash goes for $32 and 200-250 pullets consume a 70kg bag within 7 days.

This kind of empowerment will allow me a chance to go back to the community and empower young people in becoming financially independent by venturing into entrepreneurship. i look forward to your positive response.

NB: Conversion rate $1: Ksh 86.
..........................................................
My businesses both Mpesa and chicken farming have grown troumendously with a turnover of Ksh. 200,000/- . I also got an opportunity to practice my career in the IT profession from March 2016 when i got a job with an income of Ksh. 40,000/- per month.

Loan Proposal

This particular loan I will use it to build a two roomed house and a toilet on a piece of land that I bought with my previous loan. I am planning to use machine cut stones which are readily available from a nearby quarry, then use 32 gauge iron sheets.

Breakdown of the materials:-
1. 4 lorries stones-@14000 each=56,000/-
2. 3tonnes sand-@7000 each=21,000/-
3. 20 bags of Cement-@630 each=12,600/-
4. 12 J9 wire-@800=9,600/-
5. 1,000 liters water-@20 per 20liters=1,000/-
6. 20 32gauge iron sheets-@600 each=12,000/-
7. Nails@700/-
9. 16 Roofing timber-@100 each=1,600/-
10. 3 iron windows @4,000=12,000/-
11. 3 doors-@ 5000 each=15,000/-
12. Septic tank plus toilet accessories@15,000/-
13. 10 days Labour fee@2000 each day=20,000/-
14. Electricity installation and accessories-@35,000/-
15. Water installation and accessories @15,000/-
16. Plastering @6,000/-
17. Painting@8,500/-

Total cost of building=Ksh. 241,000/-

With a loan of 213,395/- and 100,000/- savings I will be able to complete a two roomed house and a toilet and use part of my savings for material transportation and putting up a fence and a gate.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$2,108.00

Date disbursed

Aug 18, 2017

Repayment status

Late

Projected term

52 months

Lenders

G

guenter

Bremen, Germany

A

Andy

Berlin, United States

PG

Paul Graham

United States

Christopher Hey

Sudbury, Canada

SH

Steven Huntington

London, United Kingdom

BS

Brandon S

United States

RC

Rudi Chen

United States

Tom Eggert

Madison, United States

K

Kirsty

Netherlands

Craig Newmark

United States

WS

Warren Shen

United States

Humble Bundle Community

San Francisco, United States

HCPSPIRIT

Helsinki, Finland

MH

Meika Harris

United States

WC

Walter Clarke

Phoenix, United States

Paul Buchheit

Mountain View, United States

A

Anonymous

United States

CN

Craig Newmark

United States

JG

Jake Gibson and Beverly Picardo

San Francisco, United States

G

Gabi

Turkey

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Summary

Amount repaid

$697.84

Amount remaining

$1,410.10

Expected completion

Dec 15, 2021

Status

Repaying late

Installment amount

$11.14

Repayment History

Expected Payments Actual Payments
Aug 30, 2017 $59.27 Aug 29, 2017 $59.27
Sep 6, 2017 $59.27 Aug 29, 2017 $59.27
Sep 13, 2017 $59.27 Aug 29, 2017 $59.27
Sep 20, 2017 $59.27 Aug 29, 2017 $59.27
Sep 27, 2017 $19.76 Sep 27, 2017 $19.76
Oct 4, 2017 $19.76 Sep 27, 2017 $19.76
Oct 11, 2017 $19.76 Sep 27, 2017 $19.76
Oct 18, 2017 $19.76 Sep 27, 2017 $19.76
Oct 25, 2017 $19.76 Sep 27, 2017 $19.76
Nov 1, 2017 $4.94 Oct 31, 2017 $4.94
Nov 8, 2017 $4.94 Oct 31, 2017 $4.94
Nov 15, 2017 $4.94 Oct 31, 2017 $4.94
Nov 22, 2017 $4.94 Oct 31, 2017 $4.94
Nov 29, 2017 $4.94 Nov 27, 2017 $4.94
Dec 6, 2017 $4.94 Nov 27, 2017 $4.94
Dec 13, 2017 $4.94 Nov 27, 2017 $4.94
Dec 20, 2017 $4.94 Nov 27, 2017 $4.94
Dec 27, 2017 $4.94 Dec 27, 2017 $4.94
Jan 3, 2018 $4.94 Dec 27, 2017 $4.94
Jan 10, 2018 $4.94 Dec 27, 2017 $4.94
Jan 17, 2018 $4.94 Dec 27, 2017 $3.95
Jan 23, 2018 $0.99
Jan 24, 2018 $4.94 Jan 23, 2018 $4.94
Jan 31, 2018 $4.94 Jan 23, 2018 $4.94
Feb 7, 2018 $4.94 Jan 23, 2018 $4.94
Feb 14, 2018 $4.94 Jan 23, 2018 $3.95
Feb 20, 2018 $0.99
Feb 21, 2018 $4.94 Feb 20, 2018 $4.94
Feb 28, 2018 $4.94 Feb 20, 2018 $4.94
Mar 7, 2018 $4.94 Feb 20, 2018 $4.94
Mar 14, 2018 $4.94 Feb 20, 2018 $3.95
Mar 19, 2018 $0.99
Mar 21, 2018 $4.94 Mar 19, 2018 $4.94
Mar 28, 2018 $4.94 Mar 19, 2018 $4.94
Apr 4, 2018 $4.94 Mar 19, 2018 $4.94
Apr 11, 2018 $4.94 Mar 19, 2018 $3.95
Apr 19, 2018 $0.99
Apr 18, 2018 $4.94 Apr 19, 2018 $4.94
Apr 25, 2018 $4.94 Apr 19, 2018 $4.94
May 2, 2018 $4.94 Apr 19, 2018 $4.94
May 9, 2018 $4.94 Apr 19, 2018 $3.95
Jun 6, 2018 $0.99
May 16, 2018 $4.94 Jun 6, 2018 $4.94
May 23, 2018 $4.94 Jun 6, 2018 $4.94
May 30, 2018 $4.94 Jun 6, 2018 $4.94
Jun 6, 2018 $4.94 Jun 6, 2018 $4.94
Jun 13, 2018 $4.94 Jun 6, 2018 $4.94
Jun 20, 2018 $4.94 Jun 6, 2018 $4.94
Jun 27, 2018 $3.95 Jun 6, 2018 $3.95
Jul 4, 2018 $0.00
Jul 11, 2018 $1.99 Jul 11, 2018 $1.99
Jul 18, 2018 $1.99 Jul 11, 2018 $1.99
Jul 25, 2018 $1.99 Jul 11, 2018 $0.08
Jul 22, 2018 $1.91
Aug 1, 2018 $1.99 Jul 22, 2018 $1.99
Aug 8, 2018 $1.99 Jul 22, 2018 $0.16
Aug 7, 2018 $1.83
Aug 15, 2018 $0.25 Aug 7, 2018 $0.25
Aug 22, 2018 $1.99 Aug 9, 2018 $1.99
Aug 29, 2018 $1.99 Aug 9, 2018 $1.99
Sep 5, 2018 $1.99 Aug 9, 2018 $1.99
Sep 12, 2018 $1.99 Aug 9, 2018 $1.99
Sep 19, 2018 $1.99 Aug 9, 2018 $1.99
Sep 26, 2018 $4.89 Aug 9, 2018 $4.89
Oct 3, 2018 $0.99 Sep 22, 2018 $0.99
Oct 10, 2018 $0.99 Sep 22, 2018 $0.99
Oct 17, 2018 $0.99 Sep 22, 2018 $0.99
Oct 24, 2018 $0.99 Sep 22, 2018 $0.99
Oct 31, 2018 $0.99 Sep 22, 2018 $0.99
Nov 7, 2018 $1.98 Sep 22, 2018 $1.98
Nov 14, 2018 $0.99 Nov 5, 2018 $0.99
Nov 21, 2018 $0.99 Nov 5, 2018 $0.99
Nov 28, 2018 $0.99 Nov 5, 2018 $0.99
Dec 5, 2018 $0.99 Nov 5, 2018 $0.99
Dec 12, 2018 $0.99 Nov 5, 2018 $0.99
Dec 19, 2018 $0.99 Nov 5, 2018 $0.99
Dec 26, 2018 $0.99 Dec 13, 2018 $0.99
Jan 2, 2019 $0.99 Dec 13, 2018 $0.99
Jan 9, 2019 $0.99 Dec 13, 2018 $0.99
Jan 16, 2019 $0.99 Dec 13, 2018 $0.99
Jan 23, 2019 $0.99 Dec 13, 2018 $0.99
Jan 30, 2019 $0.99 Dec 13, 2018 $0.99
Feb 6, 2019 $0.99 Jan 7, 2019 $0.99
Feb 13, 2019 $0.99 Jan 7, 2019 $0.99
Feb 20, 2019 $0.99 Jan 7, 2019 $0.99
Feb 27, 2019 $0.99 Jan 7, 2019 $0.99
Mar 6, 2019 $0.99 Jan 7, 2019 $0.99
Mar 13, 2019 $0.99 Jan 7, 2019 $0.99
Mar 20, 2019 $0.99 Feb 14, 2019 $0.99
Mar 27, 2019 $0.99 Feb 14, 2019 $0.99
Apr 3, 2019 $0.99 Feb 14, 2019 $0.99
Apr 10, 2019 $0.99 Feb 14, 2019 $0.99
Apr 17, 2019 $0.99 Feb 14, 2019 $0.99
Apr 24, 2019 $0.99 Mar 26, 2019 $0.99
May 1, 2019 $0.99 Mar 26, 2019 $0.99
May 8, 2019 $0.99 Mar 26, 2019 $0.99
May 15, 2019 $0.99 Mar 26, 2019 $0.99
May 22, 2019 $0.99 Mar 26, 2019 $0.99
May 29, 2019 $0.99 Mar 26, 2019 $0.99
Jun 5, 2019 $0.99 May 16, 2019 $0.99
Jun 12, 2019 $0.99 May 16, 2019 $0.99
Jun 19, 2019 $0.99 May 16, 2019 $0.99
Jun 26, 2019 $0.99 May 16, 2019 $0.99
Jul 3, 2019 $0.00
Jul 10, 2019 $0.99 Jul 5, 2019 $0.99
Jul 17, 2019 $0.99 Jul 5, 2019 $0.99
Jul 24, 2019 $0.99 Jul 5, 2019 $0.99
Jul 31, 2019 $0.99 Jul 5, 2019 $0.99
Aug 7, 2019 $0.99 Jul 5, 2019 $0.99
Aug 14, 2019 $0.99 Jul 5, 2019 $0.99
Aug 21, 2019 $0.49 Aug 5, 2019 $0.49
Aug 28, 2019 $0.49 Aug 5, 2019 $0.49
Sep 4, 2019 $0.49 Aug 5, 2019 $0.49
Sep 11, 2019 $0.49 Aug 5, 2019 $0.49
Sep 18, 2019 $0.49 Aug 5, 2019 $0.49
Sep 25, 2019 $3.46 Aug 5, 2019 $3.46
Oct 2, 2019 $0.99 Sep 11, 2019 $0.99
Oct 9, 2019 $0.99 Sep 11, 2019 $0.99
Oct 16, 2019 $0.99 Sep 11, 2019 $0.99
Oct 23, 2019 $0.99 Sep 11, 2019 $0.99
Oct 30, 2019 $0.99 Sep 11, 2019 $0.99
Nov 6, 2019 $0.99 Sep 11, 2019 $0.99
Nov 13, 2019 $0.49 Oct 24, 2019 $0.49
Nov 20, 2019 $0.49 Oct 24, 2019 $0.49
Nov 27, 2019 $0.49 Oct 24, 2019 $0.49
Dec 4, 2019 $0.49 Oct 24, 2019 $0.49
Dec 11, 2019 $0.49 Oct 24, 2019 $0.49
Dec 18, 2019 $0.49 Oct 24, 2019 $0.49
Dec 25, 2019 $0.49 Dec 21, 2019 $0.49
Jan 1, 2020 $0.49 Dec 21, 2019 $0.49
Jan 8, 2020 $0.49 Dec 21, 2019 $0.49
Jan 15, 2020 $0.49 Dec 21, 2019 $0.49
Jan 22, 2020 $0.49 Dec 21, 2019 $0.49
Jan 29, 2020 $0.49 Dec 21, 2019 $0.49
Feb 5, 2020 $0.49 Jan 31, 2020 $0.49
Feb 12, 2020 $0.49 Feb 1, 2020 $0.49
Feb 19, 2020 $0.49 Feb 1, 2020 $0.49
Feb 26, 2020 $0.00
Mar 4, 2020 $0.49 Mar 3, 2020 $0.49
Mar 11, 2020 $0.49 Mar 3, 2020 $0.49
Mar 18, 2020 $0.49 Mar 3, 2020 $0.49
Mar 25, 2020 $0.49 Mar 3, 2020 $0.49
Apr 1, 2020 $0.49 Mar 3, 2020 $0.49
Apr 8, 2020 $0.49 Mar 3, 2020 $0.49
Apr 15, 2020 $0.49 Apr 17, 2020 $0.49
Apr 22, 2020 $0.49 Apr 17, 2020 $0.49
Apr 29, 2020 $0.49 Apr 17, 2020 $0.49
May 6, 2020 $0.49 Apr 17, 2020 $0.49
May 13, 2020 $0.49 Apr 17, 2020 $0.49
May 20, 2020 $0.49 Apr 17, 2020 $0.49
May 27, 2020 $0.50 May 13, 2020 $0.50
Jun 3, 2020 $0.50 May 13, 2020 $0.48
May 13, 2020 $0.02
Jun 10, 2020 $0.50 May 13, 2020 $0.50
Jun 17, 2020 $0.50 May 13, 2020 $0.46
May 13, 2020 $0.04
Jun 24, 2020 $0.50 May 13, 2020 $0.50
Jul 1, 2020 $0.44 May 13, 2020 $0.44
Jul 8, 2020 $0.50 Jun 10, 2020 $0.50
Jul 15, 2020 $0.50 Jun 10, 2020 $0.48
Jun 10, 2020 $0.02
Jul 22, 2020 $0.50 Jun 10, 2020 $0.50
Jul 29, 2020 $0.50 Jun 10, 2020 $0.46
Jun 10, 2020 $0.04
Aug 5, 2020 $0.50 Jun 10, 2020 $0.50
Aug 12, 2020 $0.44 Jun 10, 2020 $0.44
Aug 19, 2020 $0.50 Jul 2, 2020 $0.50
Aug 26, 2020 $0.50 Jul 2, 2020 $0.50
Sep 2, 2020 $0.50 Jul 2, 2020 $0.50
Sep 9, 2020 $0.50 Jul 2, 2020 $0.50
Sep 16, 2020 $0.50 Jul 2, 2020 $0.50
Sep 23, 2020 $0.94 Jul 2, 2020 $0.44
Sep 12, 2020 $0.49
Sep 30, 2020 $0.50 Sep 12, 2020 $0.50
Oct 7, 2020 $0.50 Sep 12, 2020 $0.50
Oct 14, 2020 $0.50 Sep 12, 2020 $0.50
Oct 21, 2020 $0.50 Sep 12, 2020 $0.50
Oct 28, 2020 $0.50 Sep 12, 2020 $0.50
Nov 4, 2020 $0.94 Sep 12, 2020 $0.94
Nov 11, 2020 $0.50 Nov 9, 2020 $0.50
Nov 18, 2020 $0.50 Nov 9, 2020 $0.50
Nov 25, 2020 $0.50 Nov 9, 2020 $0.50
Dec 2, 2020 $0.50 Nov 9, 2020 $0.50
Dec 9, 2020 $0.95 Nov 9, 2020 $0.95
Dec 16, 2020 $0.44 Jan 25, 2021 $0.44
Dec 23, 2020 $0.00
Dec 30, 2020 $0.00
Jan 6, 2021 $0.00
Jan 13, 2021 $0.00
Jan 20, 2021 $9.88 Jan 25, 2021 $4.49
Feb 9, 2021 $4.94
Apr 15, 2021 $0.44
Jan 27, 2021 $0.00
Feb 3, 2021 $0.00
Feb 10, 2021 $0.00
Feb 17, 2021 $0.00
Feb 24, 2021 $0.00
Mar 3, 2021 $0.00
Mar 10, 2021 $0.00
Mar 17, 2021 $0.00
Mar 24, 2021 $0.00
Mar 31, 2021 $0.00
Apr 7, 2021 $11.14 Apr 15, 2021 $4.49
May 19, 2021 $4.94
Aug 5, 2021 $0.99
Aug 20, 2021 $0.72
Apr 14, 2021 $11.14 Aug 20, 2021 $4.22
Oct 28, 2021 $4.94
Dec 2, 2021 $0.99
Dec 25, 2021 $1.00
Apr 21, 2021 $11.14 Dec 25, 2021 $0.98
Jan 12, 2022 $1.98
Jan 28, 2022 $0.99
Jan 28, 2022 $0.99
Jan 28, 2022 $0.99
Feb 14, 2022 $0.99
Feb 14, 2022 $0.99
Feb 26, 2022 $0.99
Mar 1, 2022 $0.99
Mar 4, 2022 $0.99
Mar 11, 2022 $0.29
Apr 28, 2021 $11.14 Mar 11, 2022 $0.70
Mar 12, 2022 $0.99
Mar 18, 2022 $0.99
Mar 26, 2022 $0.99
Apr 6, 2022 $0.99
Apr 13, 2022 $0.99
Apr 20, 2022 $0.99
May 3, 2022 $0.99
May 10, 2022 $0.99
May 12, 2022 $0.99
May 17, 2022 $1.14
Jun 8, 2022 $0.41
May 5, 2021 $11.14 Jun 8, 2022 $0.57
Jun 13, 2022 $0.99
Jun 20, 2022 $0.99
Jun 30, 2022 $0.99
Jul 13, 2022 $0.99
Jul 28, 2022 $0.99
Aug 3, 2022 $0.99
Aug 17, 2022 $0.99
Aug 22, 2022 $0.99
Sep 3, 2022 $0.99
Sep 8, 2022 $0.99
Sep 23, 2022 $0.69
May 12, 2021 $11.14 Sep 23, 2022 $0.30
Oct 6, 2022 $0.99
Oct 14, 2022 $0.99
Oct 20, 2022 $0.99
Nov 15, 2022 $0.99
Nov 23, 2022 $0.99
Dec 5, 2022 $0.49
Dec 18, 2022 $0.99
Dec 20, 2022 $0.49
Dec 30, 2022 $0.49
Dec 31, 2022 $0.99
Jan 13, 2023 $0.99
Jan 27, 2023 $0.99
Feb 2, 2023 $0.47
May 19, 2021 $11.14 Feb 2, 2023 $0.51
Mar 11, 2023 $0.99
May 26, 2021 $11.14
Jun 2, 2021 $11.14
Jun 9, 2021 $11.14
Jun 16, 2021 $81.08
Jun 23, 2021 $81.08
Jun 30, 2021 $81.08
Jul 7, 2021 $11.14
Jul 14, 2021 $11.14
Jul 21, 2021 $11.14
Jul 28, 2021 $11.14
Aug 4, 2021 $11.14
Aug 11, 2021 $11.14
Aug 18, 2021 $11.14
Aug 25, 2021 $11.14
Sep 1, 2021 $11.14
Sep 8, 2021 $11.14
Sep 15, 2021 $11.14
Sep 22, 2021 $81.08
Sep 29, 2021 $81.08
Oct 6, 2021 $81.08
Oct 13, 2021 $81.08
Oct 20, 2021 $81.08
Oct 27, 2021 $81.08
Nov 3, 2021 $81.08
Nov 10, 2021 $81.08
Nov 17, 2021 $81.08
Nov 24, 2021 $81.08
Dec 1, 2021 $81.08
Dec 8, 2021 $81.08
Dec 15, 2021 $28.27

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