Njuguna

Muriricua Village, Kenya

100% repaid

Entrepreneur

Name

Njuguna

Member since

December 2012

On-time repayments

157 installments  •  100%

About Me

I live in Kiptangwany, Elementaita sub-location, Miti mingi location, Elementaita division of Gilgil district in Nakuru county. My family and I shifted to this area from Kiambu in 1990. We have five children aged between 31 and 39 years. We have all gone beyond high school and we are computer literate. I took up farming as an income generating activity. We grow crops and rear livestock. The income realized caters for domestic expenditure and school fees. The income mainly comes from surplus crop produce and surplus milk.The area is semi arid and rainfall reliability is low. Hence,food production is marginal. The only viable farming is livestock breeding and rearing. Greenhouse farming is now the in thing, though it requires a substantial amount as initial capital. I usually sell my livestock to other farmers and local butchers.I invest any surplus cash in stocks for a rainy day after ploughing back some money in the farm and livestock. I belong to a dairy farmers group where we meet and educate one another on livestock management. We normally invite guest speakers to talk to us on technical issues

My Business

I buy young cattle and rear them until they are old enough to be sold to butchers and other farmers. There is demand for meat and butchers are always looking for animals to slaughter. My animals are well fattened before they are sold and butchers are always ready to settle for a price favorable to each of us.The heifers I put up for sale are attractive and appealing to farmers.
I want to diversify to commercial milk production and therefore I intend to buy good milk producing breeds.In this are, unlike in the past, milk has a ready market. Brookside dairies are collecting milk from our area. Before this a lot of milk was going to waste due to lack of market. I am sure I can sell all the milk produced.
I intend to put up a zero-grazing unit so as to manage the animals properly. I also intend to build a bio-gas digester to produce fuel for the family and cut down on costs. I will then re-invest the money I get to expand on livestock rearing and breeding. This will necessitate employment of more farm hands. I also intend to grow grass four hay to feed my animals and sell the surplus to other farmers.

Loan Proposal

I intend to use the loan in digging a run off water collection pan ( dam ) to collect water for use in the proposed greenhouse to supplement the water in my water tanks since a lot of water is required to sustain crops in a greenhouse. I have conducted a feasibility study and am convinced that the undertaking will be a viable venture. My dairy project is going on well and I need to diversify. My biogas project is being well sustained by the dung from the zero-grazing unit. The slurry from the biogas digester will be a good source of organic fertilizer for the greenhouse.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$751.00

Date disbursed

Jan 21, 2014

Repayment status

On Time

Projected term

12 months

Lenders

M

mogensh

København V, Denmark

C

codairem

Berkeley, United States

S

Sandi

Sunnyvale, United States

SHRFamily

Vancouver, Canada

G

Goodwill

Oakland, United States

Sarasota

Sarasota, Fl, United States

Sirko

Brandenburg An Der Havel, Germany

Walterlo

West Hollywood, United States

M

Markward63

United Kingdom

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Summary

Amount repaid

$789.18

Amount remaining

$0.00

Date repaid

Jan 18, 2015

Status

Fully repaid

Repayment History

Expected Payments Actual Payments
Feb 2, 2014 $15.18 Feb 2, 2014 $15.18
Feb 9, 2014 $15.18 Feb 2, 2014 $15.18
Feb 16, 2014 $15.18 Feb 2, 2014 $15.18
Feb 23, 2014 $15.18 Feb 2, 2014 $15.18
Mar 2, 2014 $15.18 Feb 2, 2014 $0.05
Mar 2, 2014 $15.13
Mar 10, 2014 $15.18 Mar 2, 2014 $15.18
Mar 17, 2014 $15.18 Mar 2, 2014 $15.18
Mar 24, 2014 $15.18 Mar 2, 2014 $15.18
Mar 31, 2014 $15.18 Mar 2, 2014 $0.09
Mar 31, 2014 $15.08
Apr 7, 2014 $15.18 Mar 31, 2014 $15.18
Apr 14, 2014 $15.18 Mar 31, 2014 $15.18
Apr 21, 2014 $15.18 Mar 31, 2014 $15.18
Apr 28, 2014 $15.18 Mar 31, 2014 $15.18
May 5, 2014 $15.18 Mar 31, 2014 $0.15
May 5, 2014 $15.02
May 12, 2014 $15.18 May 5, 2014 $15.18
May 19, 2014 $15.18 May 5, 2014 $15.18
May 26, 2014 $15.18 May 5, 2014 $15.18
Jun 2, 2014 $15.18 May 5, 2014 $0.20
Jun 2, 2014 $14.98
Jun 9, 2014 $15.18 Jun 2, 2014 $15.18
Jun 16, 2014 $15.18 Jun 2, 2014 $15.18
Jun 23, 2014 $15.18 Jun 2, 2014 $15.18
Jun 30, 2014 $15.18 Jun 2, 2014 $14.61
Jun 30, 2014 $0.56
Jul 7, 2014 $15.18 Jun 30, 2014 $15.18
Jul 14, 2014 $15.18 Jun 30, 2014 $15.18
Jul 21, 2014 $15.18 Jun 30, 2014 $15.18
Jul 28, 2014 $15.18 Jun 30, 2014 $14.00
Jul 28, 2014 $1.18
Aug 4, 2014 $15.18 Jul 28, 2014 $15.18
Aug 11, 2014 $15.18 Jul 28, 2014 $15.18
Aug 18, 2014 $15.18 Jul 28, 2014 $15.18
Aug 25, 2014 $15.18 Jul 28, 2014 $15.18
Sep 1, 2014 $15.18 Jul 28, 2014 $13.24
Sep 1, 2014 $1.94
Sep 8, 2014 $15.18 Sep 1, 2014 $15.18
Sep 15, 2014 $15.18 Sep 1, 2014 $12.93
Sep 16, 2014 $2.25
Sep 22, 2014 $15.18 Sep 16, 2014 $15.18
Sep 29, 2014 $15.18 Sep 16, 2014 $12.62
Sep 29, 2014 $2.55
Oct 6, 2014 $15.18 Sep 29, 2014 $15.18
Oct 13, 2014 $15.18 Sep 29, 2014 $15.18
Oct 20, 2014 $15.18 Sep 29, 2014 $15.18
Oct 27, 2014 $15.18 Sep 29, 2014 $0.76
Oct 27, 2014 $14.41
Nov 2, 2014 $15.18 Oct 27, 2014 $15.18
Nov 9, 2014 $15.18 Oct 27, 2014 $15.18
Nov 16, 2014 $15.18 Oct 27, 2014 $15.18
Nov 23, 2014 $15.18 Oct 27, 2014 $15.18
Nov 30, 2014 $15.18 Oct 27, 2014 $1.35
Dec 1, 2014 $13.82
Dec 7, 2014 $15.18 Dec 1, 2014 $15.18
Dec 14, 2014 $15.18 Dec 1, 2014 $15.18
Dec 21, 2014 $15.18 Dec 1, 2014 $15.18
Dec 28, 2014 $15.18 Dec 1, 2014 $15.18
Jan 4, 2015 $15.18 Dec 1, 2014 $1.94
Jan 5, 2015 $13.24
Jan 11, 2015 $15.18 Jan 5, 2015 $0.13
Jan 12, 2015 $15.05
Jan 18, 2015 $15.18 Jan 12, 2015 $0.13
Jan 18, 2015 $15.05
Jan 25, 2015 $15.18 Jan 18, 2015 $15.18

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