Irene

Nakuru, Teachers Estate, Kenya

100% repaid

Entrepreneur

Name

Irene

Member since

October 2013

On-time repayments

181 installments  •  78%

About Me

MYSELF
I am a lady age 34. i am a graduate from Baraton university where i did BBA i also did human resource management in KIM to diploma level, i come from a family of five, my parents are business people one of my sisters works in Dubai as a secretary in a firm while my other sister lives and works in Nakuru with an insurance company called CIC insurance company. I live in Nakuru teachers near a school called st. Fransis of Assissi academy. st. francis of assissi is a private school that is well known around for its good performance in Kenya national examination its located 2km from the Nakuru- Nairobi high way. I have two kids age 9 n 7yrs old, they are all schooling.
i am a business lady that is specialized on stationary, i buy and sell stationary to different schools and institutions, i have an office that is in a very strategic place in town. I also do typesetting, photocopying, take people passport photos, and other internet services required.
I was once employed but when i was introduced to by my friend on this business i have never regretted, i make enough money that has enable me to develop in life, i have been able to buy assets like land which i also buy them and sell it when it has appreciated, hence i make more money. this job has really opened my eyes to see the great potential in business area, despite the challenges one gets when doing business i can say i have tried to overcome them and excelled, i pay my bills well with no struggle by the money i make here, i have fashioned my life style and my house i live comfortable doing this business.
My aim at this moment is to expand my business by getting tenders from the government to supply stationary, this will require large sum of money, i am also looking forward to buying a car which will serve the convenience of the supply in terms of the load and time.
I am looking forward to borrow from Zidisha money that will help me meet my target in life.i will appreciate your quick response.
With thanks

My Business

MY BUSINESS
I am a business lady dealing with stationery, I have a shop in Nakuru town which is the base of my business, do typing services and photocopy services and take passport photos too. I sell books and Biro envelopes and pencils, I also visit schools and supply them with some of my stationery, and test papers. My business is situated In a very strategic place here in Nakuru town its near schools, there are four schools near my place. Therefore students pass there frequently and they too buy these stationery. Being in town its convenient for teachers and parents that have come to do other things in town they pass by and buy test papers for the students. I have been doing these business for three years now. I have learn t better ways of doing these work with time. I have known different places to get my product at an affordable price. I have gained customers who are schools that I supply them time and again.
In every business there are challenges the work of dealing with stationery is not an exemption I have faced challenges too. I have had both loses and gain, with stationery one has to be current to buy the relevant stock. Competition is also a challenge that one faces when dealing with stationery there are a number of people doing the same kind of business so with my experience I have been able to stand and get more customers which keep increasing day by day. Pricing of the product is also a challenge, one has to be careful on the way you price your product to able to attract more customers. Therefore I have Identified places that I get my goods cheaply and affordable one that can give me a good profit margin.
I have achieved a lot with this business I have managed to buy a piece of land just by selling these stationery this has given me an a side business of buying and selling land which i do part time. I have done good orders that have promoted my business. In a month I make profit of fifty to sixty thousand shillings. I have made friends with my clients, I have been enlightened in many ways in life trough this business. Children are born year in year out, education is a the key to there success hence this business has a continuity since there will never be a time when stationery are not needed, there is a lot of demand for them when one has enough capital one can do a lot with this kind of business.
My vision for my business is looking forward to getting tenders from the government schools to supply stationery hence I need more to be able to stand there demand as capital to supply more , and with that I am sure to make a lot of profit that will enable me to progress in life. I also want to buy a car that will enable me to be supplying these stationery to there destination which will serve my convenience and since using public means limits me a lot.
I am looking forward for Zidisha to be part of my success by lending me some money to ensure that these business is growing in a big way.
With thanks
Irene Njambi Gathuthi

Loan Proposal

I need the loan to add stock to my business, i have a large shop that can accommodate bulk stationary. i have plenty of orders now that schools are opening i will require a lot of stationary to supply. I am planning to renovate this place and create more space to be enough to keep the stock. i believe with this loan i will be a step ahead.
I am a business lady dealing with stationery, I have a shop in Nakuru town which is the base of my business, do typing services and photocopy services and take passport photos too. I sell books and Biro envelopes and pencils, I also visit schools and supply them with some of my stationery, and test papers. My business is situated In a very strategic place here in Nakuru town its near schools, there are four schools near my place. Therefore students pass there frequently and they too buy these stationery. Being in town its convenient for teachers and parents that have come to do other things in town they pass by and buy test papers for the students. I have been doing these business for three years now. I have learn t better ways of doing these work with time. I have known different places to get my product at an affordable price. I have gained customers who are schools that I supply them time and again.
In every business there are challenges the work of dealing with stationery is not an exemption I have faced challenges too. I have had both loses and gain, with stationery one has to be current to buy the relevant stock. Competition is also a challenge that one faces when dealing with stationery there are a number of people doing the same kind of business so with my experience I have been able to stand and get more customers which keep increasing day by day. Pricing of the product is also a challenge, one has to be careful on the way you price your product to able to attract more customers. Therefore I have Identified places that I get my goods cheaply and affordable one that can give me a good profit margin.
I have achieved a lot with this business I have managed to buy a piece of land just by selling these stationery this has given me an a side business of buying and selling land which i do part time. I have done good orders that have promoted my business. In a month I make profit of fifty to sixty thousand shillings. I have made friends with my clients, I have been enlightened in many ways in life trough this business. Children are born year in year out, education is a the key to there success hence this business has a continuity since there will never be a time when stationery are not needed, there is a lot of demand for them when one has enough capital one can do a lot with this kind of business.
My vision for my business is looking forward to getting tenders from the government to supply stationery hence I need more to be able to stand there demand as capital to supply more , and with that I am sure to make a lot of profit that will enable me to progress in life. I also want to buy a car that will enable me to be supplying these stationery to there destination which will serve my convenience and since using public means limits me a lot.
I am looking forward for Zidisha to be part of my success by lending me some money to ensure that these business is growing in a big way.
With thanks
Irene Njambi Gathuthi

Feedback

1

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1

  • Will    Feb 25, 2018

    Irene has not made any payments or updates in over 6 months.

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Loan Info

Project Type

Classic Loan

Disbursed amount

$49.00

Date disbursed

Dec 23, 2013

Repayment status

On Time

Projected term

24 months

Lenders

Richard Griebe

La Jolla, United States

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  • Will    Mar 7, 2018

    Hi Irene. I see you have missed several payments. Please remember it is better to make small payments rather than none at all so you can continue to borrow from Zidisha in the future. You can change your payment schedule by logging into your account. You can also talk with your mentor for additional advice.

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  • Joseph    Dec 31, 2017

    Hello Lenders
    I have been trying to get in touch with Irene but her phone is on voice mail. I have managed to talk to one of her referral who said she will talk to her and update me. Thanks for your patience.
    Joseph Mwangi

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  • Irene    Jul 31, 2017

    I received the cash, thanx lenders I will be able to buy books and deliver to school plus add more stock, thanx

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  • Bethany Plummer    Jul 11, 2017

    Hi Irene can you meet tomorrow? I will be around nakuru town

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  • Irene    Jul 7, 2017

    Hi lenders,
    Am greatful for loaning me this money, I will buy book and meet deadlines of my clients requests, I will also be able to restock and by more stationary, thanx once again for this loan.

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  • Bethany Plummer    Jun 28, 2017

    Hi Irene, my name is Beth and I'm on the Kenyan finance team. I will be in Nakuru for the next two weeks and I would love to meet with you to see your business.

    Please do let me know if this is possible!

    Thanks

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  • Irene    Jun 27, 2017

    Hi lenders, am so greatful to you that my life has taken a huge turn around, I have been able to buy land in Kenya with the profits I have made on my business, with the money you gave me I was able to buy books which I supplied and was paid on time, made real good profits since the loan was enough to get me the stock I needed, am so greatful to God for the help you give me, thanx lenders.

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  • Irene    Jun 4, 2017

    My business is picking up so well, I have tenders every time on books and they are paying me on time,

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  • Irene    Feb 6, 2017

    My business is doing so well, this week I have to buy dome more stock, so I have decided to reduce my payment so that I can buy more books hence make more profit, thank you lenders for making my business a success.

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    • Lucky    Feb 9, 2017

      Hi Irene, am impressed by your progress, i will be making the payment arrears by mid month this February.Kindly ,allow me some few days.
      Thanks.

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  • Irene    Dec 8, 2016

    Hi lenders, my business is doing so well, so i would like to increase my repayment amount. Am proud to be a zidisha member.

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  • Irene    Aug 19, 2016

    Hi lenders, am doing well so is my business, my daughters just closed school, they performed so well in a their class, at the moment they have gone for VBS, thats vocational bible school where they learn more abt the word of God, am still on business and doing well, thanks for having u in my life Zidisha lenders.

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  • Irene    Aug 4, 2016

    I am greatful for the loan, my business is going well am making good profits and expanding my business all the more, lenders I wantvu to know thatbi humbly appreciate your support to my business,

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  • Irene    Jul 24, 2016

    Hi lenders, I am pleased to let you know that am doing well, my family is well, my daughter traced to Nairobi for a school trip in a nearby city to a zoo and was so exited, we are well, my business is growing well to, I have been able to supply stationary to school and made profit, Thanx lenders

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  • Irene    Jun 13, 2016

    Hi lenders, I have been able to supply the orders I was given for books but the payments may come abit late so I opt to refuse this amount so as not to default, thanx

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  • Irene    Jun 13, 2016

    Hello Zidisha lenders, am so greatful that I joined Zidisha. I have grown so much in business, I have increased my stock and am making good profits, thanks to Zidisha.

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  • Irene    Jun 1, 2016

    Hi lenders, this is to thank you for the loan you gave me, i was able to supply the books and the stationary that wad ordered and wating for my payment cheque to mature, thanks lender for coming through for my business.

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  • Irene    May 22, 2016

    Thanks lenders for fully funding my loan, now I will be able to stock my business and deliver my order on time.

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  • Joseph    May 11, 2016

    Hi Irene
    Wish you the very best in raising your loan.
    Joseph Mwangi

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    • Irene    May 20, 2016

      Thanks Joseph I hope my loan gets filled on time.

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      • Joseph    May 23, 2016

        God is faithful. That is what Zidisha family can do. Congratulations.
        Joseph Mwangi.

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  • Irene    May 10, 2016

    Hi lenders, since school has opened am running out of time to buy the books and stationery required, kindly fund me early to beat the deadline date. Thanks in advance

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  • Irene    May 8, 2016

    The last loan you gave me really helped me improve my financial status, am so glad Zidisha for the help u gave me, i was able to buy a plot and am hoping to bulid so soon, thanx

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