Bahati, Kenya

100% repaid




Member since

December 2012

On-time repayments

37 installments  •  30%

About Me

My name is Rufus Macharia Mwangi. I am a married man and a father of 2 children.My children are both in pre- primary school.I studied up to class eight and later ventured into business.I started a small shop which i have been undertaking and is now developing. My shop is located in Bahati Center a place which has a large population with few shops thus enabling me become a successful Business man. I have been in the business for about 10 years.The money i obtain from my business as profit is ploughed back to enable me grow my business.I also purchase cereals and later cell them at better prices earning me huge profits. i also pay school fees for my children and provide both rent and food for my family.the rest helps in paying water and electricity bills and covering other expenses for my family.i also save a little to enable me get a plot of my own and build my own home and business stalls.I feel happy having been able to move from the interior and coming to the center where i can open up and satisfy the needs of my family.
My wife and i run the business jointly as we are both self employed.

My Business

i am a business man and mainly deal with shopkeeping.i sell various food and other household goods. I mainly obtain my goods from various wholesalers in Nakuru Town e.g. the Biashara Wholesalers.i then sell them at retail prices to the high population that lives in my monthly profit is at least 20,000 shillings a month. this includes 3000 for house rent, 1000 for electricity bills and 500 for water bills.there is also a 2800 yearly fee paid to the city council for the running of the business.
i also sell cereals like maize, wheat and beans. A sack of maize is currently selling at 2300 during this harvesting season but prices will rise in January when children will be going back to school.Purchasing Maize during this season will enable me maximize profits in January- April season.I have also purchased beans and stored them waiting for the right time to for the wheat i am currently purchasing it and it is costing about 2600 per sack.the selling of cereals will enable me improve my business for the next year.

Loan Proposal

I am grateful for approving me. I will use the money to increase my business stock.Considering the price of cereal grains at the moment the price is cheaper. This will help me buy a huge stock and develop the business faster.commodity such as beans at the moment, is being sold at a higher price because many people are in need it since it is a planting season. This will enable me to make a huge profit since that commodity is on high demand.






Loan Info

Project Type

Classic Loan

Disbursed amount


Date disbursed

Apr 21, 2013

Repayment status

On Time

Projected term

9 months




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  • Lawrence    Dec 31, 2014

    hi lenders
    rufus phone is not going through
    so is the community leaders will try later.


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  • Lawrence    Nov 24, 2014

    hi lenders
    i have just called rufus and he said he is planning to pay the whole amount as from december
    since he has been doing badly businesswise for a long time


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  • calvero    Sep 2, 2014

    Hi Rufus - I see that this loan is far behind schedule. Can you give us an update on your business?

    Lawrence - did you have any luck contacting Rufus again?

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  • Lawrence    Aug 2, 2014

    Hi lenders?
    Today I tried calling Rufus but he wasn't picking my calls.

    I contacted the Community leader(area chief)Paul mirithu and he promised to follow up and get back to me since he is a government official in administration .

    But I will still try to will call you later.


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  • Lawrence    Jul 24, 2014

    Hi Rufus ? We talked some days ago and you agreed to update your loan repayment but you didn't there a problem that we should know? And have you tried rescheduling into manageable amounts?
    Kindly update your accounts in order to access future loans.
    Regards ,
    VM Lawrence

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  • roberta.zenere    Nov 4, 2013

    Dear Lenders,

    my name is Roberta Zenere and I am a Kenya Country Liaison Intern at Zidisha. Within this role, I am coordinating the Zidisha's MPESA team, responsible for processing loan repayments and disbursements.

    Today, while reviewing our accounts, I noticed that a loan repayment of 350 KES (4.12USD) sent by Mr Macharia on October, 19 was not registered in his repayment schedule. We have now credited the amount as a payment in his current loan.

    Mr Macharia, we are sorry for this inconvenience and we wish you all the best with your business!

    Best regards,

    Zidisha Team

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  • Rufus    Sep 20, 2013

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  • Rufus    Sep 20, 2013

    Hey lenders am glad to inform you that the loan you lend me has greatly impacted on my life and more so on my business, in due time i have made minimal realization of profit and thus i am requesting whether you can accord me the appropriate efforts when i fully repay my current loan and hence therefore request whether it is possible for a more higher amount above my current credit limit.with regards are photos attached on how my business is fairing on. God Bless you for your works of charity.

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  • MaxEmerika    Jun 10, 2013

    Dear Rufus Macharia,
    We like the way you think and your plan for the future. Best wishes to you and your family in all you do!

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