Entrepreneur
Name
Ruth
Member since
February 2013
On-time repayments
211 installments • 82%
About Me
Iam a 43year old single mother of two children aged 20 and 11. i come from a large family of eight. We are orphans, having lost our parents some years back.My father passed on in January, 1991 and my mother passed on in February, 1999. I live in the same house as my business thus trying to save on paying extra rent. My first born has cleared high school and is waiting for his O-level final national exams results and my daughter is in class six. We are a God fearing family and this has helped us reach our goals by not relying on family support but by putting our faith on God. We live in a rented house and pay rent of Kshs. 20,000 per month. The increament in rent is as a result of the number of classes i have added. I have provided employment to five teachers and one surbordinate staff. echoes of joy has been our source of income for the last seven years and all this is thanks to the bold step i took to be self reliant.
My Business
Echoes of joy daycare centre is a nursery school taking care of children aged between 3-7 years. We have six running classes, baby, middle and top class. We have also started offering lower class education in standard one, two and three. Echoes of joy opened its doors in the year 2009 and has been running since. The community around Mwariki estate do appreciate and support the fact that we brought early childhood education close to their homes. We also run a vacation bible study for all children in the surrounding area and we do not charge. It is meant to bring children closer to God and also to keep them busy over the holidays. this has been a big success. I am so grateful to all my supporters in zidisha organisation for your immense support. I have been able to support my family and at the same time bring education to my community, may God bless you always.
Loan Proposal
thank you so much for your kind gesture, your funds enabled me to construct two new classes to accommodate new admissions. i will use my second loan to furnish the new two rooms by buying two new windows and doors. the remaining balance i will use to buy paints for the walls. these finance will enable me to change the image of my day care. these year i have got new admission who are many, i will make my customers more confortable
Feedback
Positive
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Neutral
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Negative
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Loan Info
Project Type
Classic Loan
Disbursed amount
$707.00
Date disbursed
Mar 11, 2014
Repayment status
On Time
Projected term
22 months
Other loans
Lenders
Gammalkil, Sweden
Nieuwegein, Netherlands
Lahr, Germany
San Jose, United States
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Summary
Amount repaid
$815.60
Amount remaining
$0.00
Date repaid
Jan 12, 2016
Status
Fully repaid
Repayment History
| Expected Payments | Actual Payments | ||
|---|---|---|---|
| Mar 21, 2014 | $0.00 | ||
| Mar 28, 2014 | $11.76 | Mar 21, 2014 | $11.76 |
| Apr 4, 2014 | $11.76 | Mar 29, 2014 | $11.76 |
| Apr 11, 2014 | $11.76 | Apr 5, 2014 | $11.76 |
| Apr 18, 2014 | $11.76 | May 5, 2014 | $11.76 |
| Apr 25, 2014 | $11.76 | May 5, 2014 | $11.76 |
| May 2, 2014 | $11.76 | May 5, 2014 | $11.76 |
| May 9, 2014 | $11.76 | May 11, 2014 | $11.76 |
| May 16, 2014 | $11.76 | May 18, 2014 | $11.76 |
| May 23, 2014 | $11.76 | May 23, 2014 | $11.76 |
| May 30, 2014 | $11.76 | Jun 4, 2014 | $11.76 |
| Jun 6, 2014 | $11.76 | Jun 4, 2014 | $11.76 |
| Jun 13, 2014 | $11.76 | Jun 4, 2014 | $11.76 |
| Jun 20, 2014 | $11.76 | Jun 26, 2014 | $11.76 |
| Jun 27, 2014 | $11.76 | Jun 26, 2014 | $11.76 |
| Jul 4, 2014 | $11.76 | Jun 26, 2014 | $11.76 |
| Jul 11, 2014 | $11.76 | Jul 27, 2014 | $11.76 |
| Jul 18, 2014 | $11.76 | Jul 27, 2014 | $11.76 |
| Jul 25, 2014 | $11.76 | Jul 27, 2014 | $11.76 |
| Aug 1, 2014 | $11.76 | Aug 30, 2014 | $11.76 |
| Aug 8, 2014 | $11.76 | Aug 30, 2014 | $11.76 |
| Aug 15, 2014 | $11.76 | Aug 30, 2014 | $11.76 |
| Aug 22, 2014 | $11.76 | Aug 30, 2014 | $11.76 |
| Aug 29, 2014 | $11.76 | Aug 30, 2014 | $11.76 |
| Sep 5, 2014 | $11.76 | Sep 26, 2014 | $11.76 |
| Sep 12, 2014 | $11.76 | Sep 26, 2014 | $11.76 |
| Sep 19, 2014 | $11.76 | Sep 26, 2014 | $11.76 |
| Sep 26, 2014 | $11.76 | Sep 26, 2014 | $11.76 |
| Oct 3, 2014 | $11.76 | Sep 26, 2014 | $11.76 |
| Oct 10, 2014 | $0.00 | ||
| Oct 17, 2014 | $0.00 | ||
| Oct 24, 2014 | $0.00 | ||
| Oct 31, 2014 | $0.00 | ||
| Nov 6, 2014 | $0.00 | ||
| Nov 13, 2014 | $2.35 | Nov 13, 2014 | $2.35 |
| Nov 20, 2014 | $2.35 | Nov 20, 2014 | $2.35 |
| Nov 27, 2014 | $2.35 | Nov 29, 2014 | $2.35 |
| Dec 4, 2014 | $2.35 | Nov 29, 2014 | $2.35 |
| Dec 11, 2014 | $2.35 | Dec 11, 2014 | $2.35 |
| Dec 18, 2014 | $2.35 | Dec 11, 2014 | $2.35 |
| Dec 25, 2014 | $2.35 | Dec 25, 2014 | $2.35 |
| Jan 1, 2015 | $2.35 | Dec 25, 2014 | $2.35 |
| Jan 8, 2015 | $2.35 | Jan 9, 2015 | $2.35 |
| Jan 15, 2015 | $2.35 | Jan 9, 2015 | $2.35 |
| Jan 22, 2015 | $2.35 | Jan 9, 2015 | $2.35 |
| Jan 29, 2015 | $2.35 | Jan 9, 2015 | $2.35 |
| Feb 5, 2015 | $2.35 | Jan 9, 2015 | $2.35 |
| Feb 12, 2015 | $2.35 | Jan 9, 2015 | $2.35 |
| Feb 19, 2015 | $2.35 | Jan 9, 2015 | $2.35 |
| Feb 26, 2015 | $2.35 | Jan 9, 2015 | $2.35 |
| Mar 5, 2015 | $2.35 | Jan 9, 2015 | $2.35 |
| Mar 12, 2015 | $2.35 | Jan 9, 2015 | $2.35 |
| Mar 19, 2015 | $2.35 | Jan 9, 2015 | $2.35 |
| Mar 26, 2015 | $2.35 | Jan 9, 2015 | $2.35 |
| Apr 2, 2015 | $2.35 | Jan 9, 2015 | $2.35 |
| Apr 9, 2015 | $2.35 | Jan 9, 2015 | $2.35 |
| Apr 16, 2015 | $2.35 | Jan 9, 2015 | $2.35 |
| Apr 23, 2015 | $2.35 | Jan 9, 2015 | $2.35 |
| Apr 30, 2015 | $2.35 | Jan 9, 2015 | $2.35 |
| May 7, 2015 | $2.35 | Jan 9, 2015 | $2.35 |
| May 14, 2015 | $2.35 | Jan 9, 2015 | $2.35 |
| May 21, 2015 | $2.35 | Jan 9, 2015 | $2.35 |
| May 28, 2015 | $2.35 | Jun 28, 2015 | $2.35 |
| Jun 4, 2015 | $2.35 | Jun 28, 2015 | $2.35 |
| Jun 11, 2015 | $2.35 | Jun 28, 2015 | $2.35 |
| Jun 18, 2015 | $2.35 | Jun 28, 2015 | $2.35 |
| Jun 25, 2015 | $2.35 | Jun 28, 2015 | $2.35 |
| Jul 2, 2015 | $2.35 | Jun 28, 2015 | $2.35 |
| Jul 9, 2015 | $2.35 | Jun 28, 2015 | $2.35 |
| Jul 16, 2015 | $2.35 | Jun 28, 2015 | $2.35 |
| Jul 23, 2015 | $2.35 | Jun 28, 2015 | $2.35 |
| Jul 30, 2015 | $2.35 | Jun 28, 2015 | $2.35 |
| Aug 6, 2015 | $2.35 | Aug 5, 2015 | $2.35 |
| Aug 13, 2015 | $2.35 | Aug 5, 2015 | $2.35 |
| Aug 20, 2015 | $2.35 | Aug 5, 2015 | $2.35 |
| Aug 27, 2015 | $2.35 | Aug 5, 2015 | $2.35 |
| Sep 3, 2015 | $2.35 | Aug 5, 2015 | $2.35 |
| Sep 10, 2015 | $2.35 | Sep 7, 2015 | $2.35 |
| Sep 17, 2015 | $2.35 | Sep 7, 2015 | $2.35 |
| Sep 24, 2015 | $2.35 | Sep 7, 2015 | $2.35 |
| Oct 1, 2015 | $2.35 | Sep 7, 2015 | $2.35 |
| Oct 8, 2015 | $2.35 | Sep 7, 2015 | $2.35 |
| Oct 15, 2015 | $2.35 | Sep 7, 2015 | $2.35 |
| Oct 22, 2015 | $2.35 | Oct 16, 2015 | $0.59 |
| Oct 16, 2015 | $1.76 | ||
| Oct 29, 2015 | $2.35 | Oct 16, 2015 | $2.35 |
| Nov 5, 2015 | $2.35 | Oct 16, 2015 | $2.35 |
| Nov 12, 2015 | $2.35 | Oct 16, 2015 | $2.35 |
| Nov 19, 2015 | $2.35 | Oct 16, 2015 | $2.35 |
| Nov 26, 2015 | $2.35 | Oct 16, 2015 | $2.35 |
| Dec 3, 2015 | $2.35 | Oct 16, 2015 | $2.35 |
| Dec 10, 2015 | $2.35 | Oct 16, 2015 | $2.35 |
| Dec 17, 2015 | $2.35 | Oct 16, 2015 | $2.35 |
| Dec 24, 2015 | $2.35 | Oct 16, 2015 | $2.35 |
| Dec 31, 2015 | $117.65 | Nov 7, 2015 | $117.65 |
| Jan 7, 2016 | $229.72 | Jan 12, 2016 | $229.72 |
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