Entrepreneur
Name
Joan Ngugi
Member since
February 2016
On-time repayments
290 installments • 87%
About Me
Hello,
My names are Joan Wambui Ngugi, a 35 yrs old, am married to Andrew Maina and a mother of one, 6yrs old Austin Njuguna. I grew up in Thika, Muranga. I reside and work in Nairobi.
I am career woman, in Sales & Marketing for the last 7yrs, am currently the Sales & Marketing Manager in Nairobi's 4 star Hotel, Amber Hotel.
My Business
I have ventured into a small scale business in Beauty products; hair, face. I have recently added Human Hair to my product range.
I am looking to import wigs from Dubai and expand my online business as well as the shop within the year.
I was recommended by a close colleague and he advise on how Zidisha has helped him with his side hustle and now he is looking to expand.
Am grateful for the opportunity to access funds at no interest rates and also to my advantage that am in control of my repayment period and installments.
Loan Proposal
Once i acquire the funds i will import Human Hair wigs and bundles with some accessories for the wigs like hairline glue and weaving caps.
The wigs locally are priced as below based on the sizes;
Local Retailers Imported Our selling price
12 inches 10,000 5,000 12,000
14 inches 12,000 7,000 14,000
16 inches 14,000 10,000 16,000
18 inches 16,000 13,000 18,000
The margins will therefore be much bigger, close to 25% increment
That's my main focus as at now.
I
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Loan Info
Project Type
Classic Loan
Disbursed amount
$834.66
Date disbursed
Feb 19, 2019
Repayment status
On Time
Projected term
25 months
Cost to entrepreneur
Service fee: $32.40
Credit risk payment:
$129.61
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