Zidisha |

Francis

Nakuru, Kenya

100% repaid

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How it Works

Entrepreneur

Name

Francis

Member since

June 2011

On-time repayments

69 installments • 29%

About Me

My name is Francis Ibrahim Njoroge .I come from Bahati in Nakuru area. I am a retired teacher. With the money which I earned during my working years I bought a farm where I settled my with my family it not far from nakuru town and we usually sell some of our farm produce to to the town our is hot and many times crops grow quickly any other area around like for example if it is the case of maize we sale green maize because when the many areas around are still not ready. green maize usually give the farmers good returns compared to the dry maize. the same case is the crop like peas we also sell them while they are still green.the other crops like beans when they full ready and they also give us good money because many surrounding areas they are not ready so they also give us good money due to lack of competition.

My Business

Since I retired from teaching I have been doing the farming business. I have been growing crops for sale and some for our consumption. I also keep cows which produce milk for sale and some we use at home. The money we get from this bisiness is used to pay bills like school fees and other needs. We have an added advantage because we do not pay house rent for we live in our farm. From growing crops we get about 400000annully and 200000annully from selling milk I also teach in private schools where I get about 120000per year. The total annual income is about 720000

Loan Proposal

I have introduced a new farming method of keeping fish in my farm. This type of farming has high cost and it will also pay more in return Iam in the final part of bringing the fish so I would need about 80000 to complete the project, I would be glad if the zidisha team would give me that loan so that I can complete the remaining part.

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Sputnik Mar 23, 2018

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Loan Info

Project Type

Classic Loan

Disbursed amount

$651.00

Date disbursed

Aug 6, 2011

Repayment status

On Time

Projected term

12 months

Other loans

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Jun 2014: $97

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Eduardo

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Ask Francis a question about this project, share news and photos of your own, or send a simple note of thanks or inspiration.

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Zephania Dec 30, 2014

Dear lenders,i had a conversation with Mr.Francis via his mobile phone and he told me through his business is down he is planning to clear his arrears soon.

Thank you.

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Francis Nov 15, 2014

Dear lenders,i am Zephania osida vm of francis njoroge.I talked to him through his mobile phone and he told me he did not know about weekly repayment and he knew payment are made monthly.He told me that he cannot afford to send money every week so he asked me to reschedule to a smaller amount so that he will be sending the money once per month.

Thank you,
Osida

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Zephania Sep 25, 2014

Dear lenders,
I talked to mr.Njoroge through his mobile phone and he told me that he was not aware that repayment was changed from monthly to weekly.He said he is only able to pay ksh700 monthly.I will try to help him reschedule to the amount he is able to pay per month.

Thank you,
Osida

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Sputnik Sep 19, 2014

Hi Francis. I see you have missed several payments, is everything OK with you?

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Francis Jul 25, 2014

Thanks zidisha team for the good work, my family is doing very and also my business is okay i will be paying in every 5th of the every month and amount Ksh700.
Thanks

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KM May 28, 2014

Thank-you for your continued work with Zidisha.

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Francis Jan 14, 2014

Thanks Zidisha team for the good work, my family is doing very and also my business is okay we are preparing the shamba for the long rain. I would like to take this opportunity for not be able to pay at the right time this was due to much money was required to pay school fees for some of of my children who are in the higher learning (college). Thanks for bearing with i have now resumed the payment and i hope not to fail again.

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- KM Feb 12, 2014
  
  Thank-you for your repayments, as always. I am glad to learn that you are able to help cover some of the college expenses for your children - what are they studying?
  
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- KM Mar 5, 2014
  
  Hello Mr. Njoroge. Thank-you for your February repayment.
  
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KM Nov 6, 2013

Thank-you for further repayments, Mr. Njoroge.

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KM Oct 3, 2013

It's nice to see that you've been able to get in front of your repayments. Thank-you.
How many cows do you keep? Do you do the milking, or does someone else in your family take care of them?

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KM Sep 18, 2013

Thank you for making your recent repayment. I hope your crops are coming in well this season. What are you harvesting now?

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d Mar 30, 2012

How is the fish business doing? Best wishes!

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