Name
Josphine
Member since
June 2013
On-time repayments
24 installments • 29%
I am single, a Catholic Christian I attend Christ the King cathedral in Nakuru. I was born in Nakuru County. I attended my primary school at Freehold Primary school later on I joined Naivasha Girls High School. I later went to Narok Campus situated in Narok Town and did my diploma in Community health later I joined Jogoo College in Nakuru town where I did my computer packages. Currently I live in Freearea approximately Two Kilometers from town (Nakuru). I work at My Salon which is situated in Freearea location approximately 2 Km from Nakuru town. I am the owner and I have been running it for the last 4 years. Where I have established harmonious working relationship with the society and also the surrounding community.
I operate a saloon business located in free area in the outskirts of Nakuru town in a famously known centre called free area.
I have been operating it for the last four years. I decided to offer these services because of the great desire I have in service delivery. Nakuru has a very high population dominated by a high percentage of youthful population which creates a high demand for the service
I offer the following services:- Blow dry, Wash and set, Blow out, facial scrubbing, shaving, Hair dying, Pedicure/Manicure, plaiting and ear piercing.
For the last four years I have captured a good number of customers who prefer my business because of the high quality services, friendly prices which are affordable and also fully trained Beauticians.
I also sell cosmetics, braids, human hair, weaves and artificial nails (fingers and toes) it has been my desire to expand my business more to sell beads such as earrings, bangles, necklaces, anklets purse and also handbags but it has been difficult due to inadequate finance. Also I would wish to improve my service delivery to satisfy my increasing customers.
In a month am able to make sales revenue of approximately KES 60,000 and during peak seasons like April, August and December holidays the sales increases to approximately KES 100,000. I incur a monthly expenses of approximately KES 30,000 Inclusive of electricity labour and purchases
I will use my second loan to give my business a facelift by using part of the amount advanced to me to buy a new hair drier, this will cost Ksh 16,000 the rest will be used to buy human hair currently trending, I will also increase my stock on weaves and ornaments such as on earrings, bracelets etc. The drier will enable me serve two customers at once this will come in handy this being the festive seasons which oftenly are characterized by lots of clients. I really appreciate the support I have received from the Zidisha family, Happy Holidays and God bless you all.
Positive
1
Neutral
None
Negative
None
Project Type
Classic Loan
Disbursed amount
$304.00
Date disbursed
Dec 3, 2013
Repayment status
On Time
Projected term
20 months
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Amount repaid
$343.76
Amount remaining
$0.00
Date repaid
Sep 29, 2015
Status
Fully repaid
Expected Payments | Actual Payments | ||
---|---|---|---|
Jan 21, 2014 | $17.19 | Jan 23, 2014 | $17.19 |
Feb 21, 2014 | $17.19 | Jan 23, 2014 | $0.34 |
Feb 23, 2014 | $12.24 | ||
Feb 25, 2014 | $4.61 | ||
Mar 22, 2014 | $17.19 | Feb 25, 2014 | $0.09 |
Mar 27, 2014 | $17.09 | ||
Apr 22, 2014 | $17.19 | Mar 27, 2014 | $0.55 |
May 6, 2014 | $16.64 | ||
May 22, 2014 | $17.19 | May 6, 2014 | $1.01 |
Jun 19, 2014 | $16.18 | ||
Jun 22, 2014 | $17.19 | Jun 19, 2014 | $1.12 |
Aug 13, 2014 | $16.07 | ||
Jul 22, 2014 | $17.19 | Aug 13, 2014 | $1.58 |
Sep 21, 2014 | $15.61 | ||
Aug 22, 2014 | $17.19 | Sep 21, 2014 | $2.04 |
Oct 21, 2014 | $15.15 | ||
Sep 22, 2014 | $17.19 | Oct 21, 2014 | $2.49 |
Nov 29, 2014 | $14.69 | ||
Oct 22, 2014 | $17.19 | Nov 29, 2014 | $2.95 |
Dec 27, 2014 | $14.24 | ||
Nov 21, 2014 | $17.19 | Dec 27, 2014 | $3.41 |
Jan 27, 2015 | $13.78 | ||
Dec 21, 2014 | $17.19 | Jan 27, 2015 | $3.52 |
Mar 6, 2015 | $13.67 | ||
Jan 21, 2015 | $17.19 | Mar 6, 2015 | $3.98 |
Apr 25, 2015 | $13.21 | ||
Feb 21, 2015 | $17.19 | Apr 25, 2015 | $17.19 |
Mar 22, 2015 | $17.19 | Apr 25, 2015 | $17.19 |
Apr 22, 2015 | $17.19 | Apr 25, 2015 | $0.18 |
May 23, 2015 | $17.01 | ||
May 22, 2015 | $17.19 | May 23, 2015 | $0.64 |
Jun 23, 2015 | $16.55 | ||
Jun 22, 2015 | $17.19 | Jun 23, 2015 | $0.15 |
Jul 29, 2015 | $17.04 | ||
Jul 22, 2015 | $17.19 | Jul 29, 2015 | $0.26 |
Sep 29, 2015 | $16.93 | ||
Aug 22, 2015 | $17.19 | Sep 29, 2015 | $17.19 |
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