Im much thankful to lenders for the first loan you gave me i really helped me to be able to achieve certain salles point...

Virginia

Kabatini, Kenya

5% repaid

Entrepreneur

Name

Virginia

Member since

September 2013

On-time repayments

74 installments  •  5%

About Me

I was born in Engineer Town in Nyandarua County in the formerly known as Central Province. I am married and mother of one daughter, who is one year old. I am an Agricultural officer by training. I’m currently in my final year attaining my second diploma, the first one was in business management, since I was grew in an area that developed and based on agricultural I got the interest of getting back in the university to study agricultural farm management… I have been working as a agriculture teacher and same operating a business that entails on selling new Hand bags and shoes that I get in Kampala (Uganda) at my part time.

My Business

My business is one of its kind that deals commonly with ladies. I usually gets my a new bags hand bags, heeled shoes and flats from Uganda with the help of my Hubby who is also in ICT business that is in Nakuru County, and at appoint he prefers to shop in the neighboring country. My business produces a good profit that helps me to pay my tuition fee with the help of my husband.
I usually buys on hand bag at approximately Kshs 850 and sells it 1800 making around 120% profit but after I deduct my transport and cost incurred during the purchasing and selling I usually makes around 85% profit and where by If I can make to sell 3 products in a day I consider myself making around Kshs 2550.00 profit. And this makes me trust my business much and gives it first priority on my part time

Loan Proposal

I am planning to expand my business by selling new shoes from Kampala as this is the start of another semister and student have pocket money that they can spend. i have just noticed that ladies in campus have a new taste of heeld shooes and my husband i planning to vist Kampala over the weekend and with this loan i shall bea ble atleast to get a good stock that is after i add with my savings ... and my merchadise will be giving a 100% profit that means i will be able to pay my loan on time and swift. i.e one shoe from whosellers are giving me at 950 and that leaves to sell at 2000 and the least at 1500 and since my bbusiness is not taxable and i will not use any tranport i shall use my profit in paying my loan back..

Feedback

1

None

None



Loading...

Loan Info

Project Type

Classic Loan

Disbursed amount

$300.00

Date disbursed

Jan 23, 2014

Repayment status

Late

Projected term

17 months

Other loans

Lenders

A

Anninymouse

Southampton, United Kingdom

IJAZBOF

Chihuahua, Mexico

C

chkuo

Taipei, Taiwan

W

winfried

Seoul, Republic of Korea

M

magmax

Vienna, Austria

A

anonymus

Moon, United States

J

jjonas

berlin, Germany

B

Bavarian

Bavaria, Germany

T

tonilends

catalonia is not:, Spain

K

kaf121

Lynnfield, United States

N

nicknz

Wellington, New Zealand

basicus

Cairo, Egypt

A

Andy

Berlin, United States

bycyt

Whitefish, United States

Bobrm2k3

Charleston, United States

S

Spelbreker

Zwijnaarde, Belgium

D

Deback

Denver, United States

T

thebonseung

Republic of Korea

JG

Jake Gibson and Beverly Picardo

San Francisco, United States

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

Please log in to comment.

  • John    Jan 18, 2015

    hi lenders Virginia Gathira when i call her she told me she will resume her repayment early next month . will keep following to confirm and i will let all of know
    thank you.
    john

    Log in to reply • Share
  • Virginia    Oct 10, 2014

    Dear Zidisha and Lenders,

    Am very gratefull and thankful for you continued support and even unmeausered patience ytou have shown toward my loan at this hard and tough moment of my business, through it all God has made me recover abit and not doing bad off,
    I would wish to reshedule my loan repayment to the new installment that i will try my level best to clear this loan and even have a nother one even if it means a small loan to build upo my reputation.
    May the Lord God Bless You .

    The main problem with your new site is that it only accepts 3000 as wekely repayments and not as monthly

    Log in to reply • Share
  • Virginia    Sep 17, 2014

    Dear Bavarian, my family is doing well as for now and hopes to cat-up with my payment soon ... thank Virginia

    Log in to reply • Share
  • Bavarian    Sep 6, 2014

    Dear Virginia, I hope you and your family are doing well. We haven't heard any news from you for a while and you are behind your repayment schedule. Please keep us informed how things are going. Regards, Bavarian

    Log in to reply • Share
  • John    Jun 22, 2014

    Gathira after a telephone conversation she told me that she will be paying her dues on Wednesday next week.
    john

    Log in to reply • Share
  • Virginia    May 18, 2014

    i would wish to reshedule my loan to 500 in oder to catch up with my time since i have not been distributing my repayment well ... more of this is to thank the whole Zidisha team for making a change in my life that i can now have a place where i can borrow at a low interest rate ... i know and pray that all will be well and will continue giving people in need help .. God bless you all

    Log in to reply • Share
  • Virginia    Apr 29, 2014

    i cant see my loan updated and i paid jana /....

    Log in to reply • Share
    • John    Jun 22, 2014

      repayment can take even one week for it to be updated in your repayment schedule.hope that help
      thank you

      Log in to reply • Share
  • John    Apr 10, 2014

    i have talked to Virginia Gathira this morning concerning her past due and she told me that her business is going down and she will reschedule her loan payment today and propose a lower payment rate that she can comfortably afford without struggle ..
    will follow up to ensure she does
    thank you
    john

    Log in to reply • Share
  • Virginia    Mar 8, 2014

    i have been experiencing finacial contrains especially at this start of the new year i expected to be doin well in my small business but all has turned that amny student were not awarded education loans on time and forced many not to be using their pocket money for food and survival at school i have been, doing some small sales and plans to resume on my payment next week .. kindly bare with me on my new rates .. thank you and all trhe best

    Log in to reply • Share
  • Virginia    Feb 11, 2014

    i would humbly request for an excuse to pay my loan next week n i shall pay for a whole month instalment

    Log in to reply • Share
  • Virginia    Jan 23, 2014

    @jjonas .. Thank you ,,, may the Lord bless you

    Log in to reply • Share
  • jjonas    Jan 23, 2014

    take care=)

    Log in to reply • Share
  • Virginia    Jan 23, 2014

    Thank you lenders am hoping that you continue with the same spirit of helping and funding me until my loan is 100 percentage

    Log in to reply • Share
  • Virginia    Jan 11, 2014

    I’d like to thank Zidisha in Whole for this opportunity to take my business to the next level as i continue doing my studies here at Egerton University. I run a ladies business that entails Shoes, hand bags, Jewerllys and porches.. Due to the growing demand of beauty amongest students, I’d like to expand my business and even put in a permanet shop where i shall not only depend on the students alone. I will use the loan to buy more shoes, bags and jewels. I am positive that Zidisha fraternity will be part of letting my dreams come true..... thank you all and My the Lord God bless you and keep all safe... as we continue to enjoy this new year 2014...

    Log in to reply • Share
  • Virginia    Oct 19, 2013

    Hi Lenders,
    I am grateful and happy because of the support input of financial in my business ....I believe that this Zidisha will also link me to the international community where i will have new friends who through faith and trust are and willing to assist people better their lives.I have come to learn that this has led to an improved living standard to many people a cross the globe.

    Therefore i feel being empowered by Zidisha to become a beneficiary of this platform that cares much and really about the youth i will be finishing my application on becoming a University Outreach Ambassador in extending my services to other people.
    Therefore in as much as i am being assisted,i also feel like touching the lives of other people in the community in one way or another and that is why i have to share this great opportunity with many of my friends whom i think have the potential of doing business.
    Thanks in advance.

    Log in to reply • Share
  • Virginia    Oct 11, 2013

    May I take this opportunity to sincerely thank Zidisha community and also lenders for for making my first loan successful on time, i will be able to restock my business which so far doing well.
    With this reliable stock, i will be able to attract new customers and maintain existing ones something I am proud of. This is attributed to the fact that my clients are most certain that they will not come to source my products and find enough stock. With this progress, am sure that I will be able to complete my loan repayment on time or before and look further for future cooperation with Zidisha as partner. Thanks a lot, here i say Asante sana! (Thank you God Bless all)

    Log in to reply • Share
  • Virginia    Oct 11, 2013

    Thank you Lenders for making contribution towards my loan .. i really appreciate and thank God to keep you safe and bless you as you continue to helping people across borders ... may you have a blessed Friday as here in Kenya we are on awareness of cancer week ...

    Log in to reply • Share
  • Virginia    Oct 7, 2013

    Thank you for letting me be a new member. I appreciate all the rules and regulations that i found in applying this loan. So this loan will help me as i have a plan to take new stock and at the end of it i would have made a profit and pay back in full in order to qualify for a larger loan. I have faith that this loan will make me move to the level i want to be in my plans and bring new stocks which my clients will enjoy and fill proud when served by me.

    Log in to reply • Share
  • Virginia    Oct 7, 2013

    am hoping that all goes well this week for all my friend to endorse and complete for me to be a beneficiary of Zidisha .. 4 are through two more to go ..

    Log in to reply • Share
  • Virginia    Oct 4, 2013

    it is such a great opportunity that youths and people who are relevant with internet can benefit from this site .... may all who contributes in making peoples live better through Zidisha be blessed

    Log in to reply • Share


Loading...

Loading...

Loading...