Name
Elizabeth
Member since
January 2013
On-time repayments
320 installments • 74%
My name is Elizabeth Wambui, born in 1978 in Nakuru County in the Rift valley. I am a second born in a family of four. I underwent my primary education in lower solai in nakuru and later joined Lake Nakuru secondary School. I am single with two children one who completed her secondary education in the year 2012. I started selling Charcoal in Kiserian in Nairobi, then I was selling charcoal to kiserian town residents. Later I relocated to Kitengela where cost of operation was low. From my previous charcoal business, I was able to purchase a plot in Nkoroi area near Kiserian and constructed four room residential houses. I have rented this rooms though they are are still incomplete therefore the rent income is abit low. However they have been of great importance to me since I was able to educate my daughter up to form four level. The income from my business was also used for family upkeep and helping my parents back home. I also have interest in farming and have been doing it in my home place where i have rented a 1 acre of land in bahati nakuru and have been planting wheat and tomatoes and the returns are encouraging.
The main product i sell is Charcoal. The demand for charcoal here is on the rise since its affordable to the population around. With a group of about three, we hire a lorry that transports the product rom Narok where we obtain the the charcoal at a lower price. Charcoal is sold in bags and a bag goes for Ksh. 700 from the supplier. the same bag I sll it at Ksh. 1500 minus Ksh 150 per bag that I pay for transport. this brings a profit of about Ksh. 650 per bag. I also sell the same in small quantities and this is where its more profitable than selling in whole sale. A bag may result to about Ksh 2000 when sold in small measurements. In a good day, I can sell up to five bags while in other days i can selljust one. On average I do sell about bags at average of Ksh 1000. This translates to an average income of about Ksh 40000 per month and after paying all the expenses (Rent, security, labour e.t.c) I have about Ksh 20000 which is Net profit and I use the money to pay for my family upkeep, school fees and the rest to savings account. I am not the only supplier of this product. we are about 5 in the neighbourhood and most of the time we work together especially during purchasing so that we increase our bargaining power and reduce the cost. I have my regular and permanent customers whom i even deliver the product to their homes so that to maintain a good relations and make them loyal.
With my third loan, I to concentrate much on wholesaling. Our major supplies are from Narok County, this will require adequate storage space and adequate finance to cater for both bulk purchasing and transport. Currently I have a semi permanent shed that I have been using for both retail and wholesale. I have identified a trusted person who will be in charge of retail as this is more demanding since most customers buy a bag or less.
While out there, I want to deliver as much as I can to those customers that so far rely on me. I have once delivered to far places like Limuru and Kinangop. This however can be more profitable if am delivering more bags as opposed to few since overhead costs are high. I am exploring possibility of soon delivering regularly to far places like Limuru and Kinangop and Naivasha after I obtain the licence to do so. I have confidence in this business having been in it for long and I am aware of the challenges. Also I have made several long term customers who are reliable. My future plans are to acquire own means of transport as transport costs reduce profit margins. I am hopefully that with your support, this initiative will be a success.
Positive
7
Neutral
None
Negative
None
Project Type
Classic Loan
Disbursed amount
$794.00
Date disbursed
Jun 30, 2015
Repayment status
On Time
Projected term
37 months
Other loans
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Amount repaid
$829.66
Amount remaining
$0.00
Date repaid
Jun 26, 2017
Status
Fully repaid
Expected Payments | Actual Payments | ||
---|---|---|---|
Jul 12, 2015 | $15.65 | Jul 12, 2015 | $15.65 |
Jul 19, 2015 | $0.85 | Jul 12, 2015 | $0.85 |
Jul 26, 2015 | $5.15 | Jul 19, 2015 | $5.15 |
Aug 2, 2015 | $5.15 | Jul 19, 2015 | $5.15 |
Aug 9, 2015 | $5.15 | Jul 19, 2015 | $5.15 |
Aug 16, 2015 | $5.15 | Aug 11, 2015 | $5.15 |
Aug 23, 2015 | $5.15 | Aug 11, 2015 | $0.72 |
Aug 24, 2015 | $4.43 | ||
Aug 30, 2015 | $5.15 | Aug 24, 2015 | $0.72 |
Sep 1, 2015 | $4.43 | ||
Sep 6, 2015 | $5.15 | Sep 1, 2015 | $4.64 |
Sep 6, 2015 | $0.52 | ||
Sep 13, 2015 | $5.15 | Sep 6, 2015 | $5.15 |
Sep 20, 2015 | $5.15 | Sep 6, 2015 | $0.41 |
Sep 9, 2015 | $4.74 | ||
Sep 27, 2015 | $5.15 | Sep 9, 2015 | $5.15 |
Oct 4, 2015 | $5.15 | Sep 9, 2015 | $2.16 |
Sep 10, 2015 | $2.99 | ||
Oct 11, 2015 | $5.15 | Sep 10, 2015 | $1.34 |
Sep 22, 2015 | $3.81 | ||
Oct 18, 2015 | $5.15 | Sep 22, 2015 | $5.15 |
Oct 25, 2015 | $5.15 | Sep 22, 2015 | $5.15 |
Nov 1, 2015 | $5.15 | Sep 22, 2015 | $5.15 |
Nov 8, 2015 | $5.15 | Sep 22, 2015 | $1.34 |
Oct 5, 2015 | $3.81 | ||
Nov 15, 2015 | $5.15 | Oct 5, 2015 | $5.15 |
Nov 22, 2015 | $5.15 | Oct 5, 2015 | $3.40 |
Dec 10, 2015 | $1.75 | ||
Nov 29, 2015 | $5.15 | Dec 10, 2015 | $5.15 |
Dec 6, 2015 | $5.15 | Dec 10, 2015 | $5.15 |
Dec 13, 2015 | $5.15 | Dec 10, 2015 | $5.15 |
Dec 20, 2015 | $5.15 | Dec 10, 2015 | $1.34 |
Dec 20, 2015 | $3.81 | ||
Dec 27, 2015 | $5.15 | Dec 20, 2015 | $1.34 |
Jan 12, 2016 | $3.81 | ||
Jan 3, 2016 | $5.15 | Jan 12, 2016 | $1.86 |
Jan 17, 2016 | $3.30 | ||
Jan 10, 2016 | $5.15 | Jan 17, 2016 | $5.15 |
Jan 17, 2016 | $5.15 | Jan 17, 2016 | $3.61 |
Jan 26, 2016 | $1.55 | ||
Jan 24, 2016 | $5.15 | Jan 26, 2016 | $5.15 |
Jan 31, 2016 | $5.15 | Jan 26, 2016 | $5.15 |
Feb 7, 2016 | $5.15 | Jan 26, 2016 | $5.15 |
Feb 14, 2016 | $5.15 | Jan 26, 2016 | $5.15 |
Feb 21, 2016 | $5.15 | Jan 26, 2016 | $5.15 |
Feb 28, 2016 | $5.15 | Jan 26, 2016 | $5.15 |
Mar 6, 2016 | $5.15 | Jan 26, 2016 | $5.15 |
Mar 13, 2016 | $5.15 | Jan 26, 2016 | $5.15 |
Mar 20, 2016 | $5.15 | Jan 26, 2016 | $5.15 |
Mar 27, 2016 | $5.15 | Jan 26, 2016 | $3.61 |
Feb 22, 2016 | $1.55 | ||
Apr 3, 2016 | $5.15 | Feb 22, 2016 | $5.15 |
Apr 10, 2016 | $5.15 | Feb 22, 2016 | $5.15 |
Apr 17, 2016 | $5.15 | Feb 22, 2016 | $0.21 |
Apr 16, 2016 | $4.95 | ||
Apr 24, 2016 | $5.15 | Apr 16, 2016 | $5.15 |
May 1, 2016 | $5.15 | Apr 16, 2016 | $5.15 |
May 8, 2016 | $5.15 | Apr 16, 2016 | $5.15 |
May 15, 2016 | $5.15 | Apr 16, 2016 | $5.15 |
May 22, 2016 | $5.15 | Apr 16, 2016 | $5.15 |
May 29, 2016 | $5.15 | Apr 16, 2016 | $5.15 |
Jun 5, 2016 | $5.15 | Apr 16, 2016 | $5.15 |
Jun 12, 2016 | $5.15 | Apr 16, 2016 | $5.15 |
Jun 19, 2016 | $5.15 | Apr 16, 2016 | $5.15 |
Jun 26, 2016 | $5.15 | Apr 16, 2016 | $5.15 |
Jul 3, 2016 | $5.15 | Apr 16, 2016 | $5.15 |
Jul 10, 2016 | $5.15 | Apr 16, 2016 | $5.15 |
Jul 17, 2016 | $5.15 | Apr 16, 2016 | $5.15 |
Jul 24, 2016 | $5.15 | Apr 16, 2016 | $5.15 |
Jul 31, 2016 | $5.15 | Apr 16, 2016 | $5.15 |
Aug 7, 2016 | $5.15 | Apr 16, 2016 | $5.15 |
Aug 14, 2016 | $5.15 | Apr 16, 2016 | $5.15 |
Aug 21, 2016 | $5.15 | Apr 16, 2016 | $5.15 |
Aug 28, 2016 | $5.15 | Apr 16, 2016 | $5.15 |
Sep 4, 2016 | $5.15 | Apr 16, 2016 | $0.21 |
Sep 10, 2016 | $4.95 | ||
Sep 11, 2016 | $5.15 | Sep 10, 2016 | $5.15 |
Sep 18, 2016 | $5.15 | Sep 10, 2016 | $0.21 |
Sep 16, 2016 | $4.95 | ||
Sep 25, 2016 | $5.15 | Sep 16, 2016 | $5.15 |
Oct 2, 2016 | $5.15 | Sep 16, 2016 | $5.15 |
Oct 9, 2016 | $5.15 | Sep 16, 2016 | $5.15 |
Oct 16, 2016 | $5.15 | Sep 16, 2016 | $5.15 |
Oct 23, 2016 | $5.15 | Sep 16, 2016 | $5.15 |
Oct 30, 2016 | $5.15 | Sep 16, 2016 | $5.15 |
Nov 6, 2016 | $5.15 | Sep 16, 2016 | $5.15 |
Nov 13, 2016 | $5.15 | Sep 16, 2016 | $5.15 |
Nov 20, 2016 | $5.15 | Sep 16, 2016 | $5.15 |
Nov 27, 2016 | $5.15 | Sep 16, 2016 | $5.15 |
Dec 4, 2016 | $5.15 | Sep 16, 2016 | $5.15 |
Dec 11, 2016 | $5.15 | Sep 16, 2016 | $5.15 |
Dec 18, 2016 | $5.15 | Sep 16, 2016 | $5.15 |
Dec 25, 2016 | $5.15 | Sep 16, 2016 | $5.15 |
Jan 1, 2017 | $5.15 | Sep 16, 2016 | $5.15 |
Jan 8, 2017 | $5.15 | Sep 16, 2016 | $5.15 |
Jan 15, 2017 | $5.15 | Sep 16, 2016 | $5.15 |
Jan 22, 2017 | $5.15 | Sep 16, 2016 | $5.15 |
Jan 29, 2017 | $5.15 | Sep 16, 2016 | $5.15 |
Feb 5, 2017 | $5.15 | Sep 16, 2016 | $0.21 |
Dec 4, 2016 | $4.95 | ||
Feb 12, 2017 | $5.15 | Dec 4, 2016 | $5.15 |
Feb 19, 2017 | $5.15 | Dec 4, 2016 | $5.15 |
Feb 26, 2017 | $5.15 | Dec 4, 2016 | $5.15 |
Mar 5, 2017 | $5.15 | Dec 4, 2016 | $5.15 |
Mar 12, 2017 | $5.15 | Dec 4, 2016 | $5.15 |
Mar 19, 2017 | $5.15 | Dec 4, 2016 | $5.15 |
Mar 26, 2017 | $5.15 | Dec 4, 2016 | $5.15 |
Apr 2, 2017 | $5.15 | Dec 4, 2016 | $5.15 |
Apr 9, 2017 | $5.15 | Dec 4, 2016 | $5.15 |
Apr 16, 2017 | $5.15 | Dec 4, 2016 | $5.15 |
Apr 23, 2017 | $5.15 | Dec 4, 2016 | $5.15 |
Apr 30, 2017 | $5.15 | Dec 4, 2016 | $5.15 |
May 7, 2017 | $5.15 | Dec 4, 2016 | $5.15 |
May 14, 2017 | $5.15 | Dec 4, 2016 | $5.15 |
May 21, 2017 | $5.15 | Dec 4, 2016 | $5.15 |
May 28, 2017 | $5.15 | Dec 4, 2016 | $5.15 |
Jun 4, 2017 | $5.15 | Dec 4, 2016 | $5.15 |
Jun 11, 2017 | $5.15 | Dec 4, 2016 | $5.15 |
Jun 18, 2017 | $5.15 | Dec 4, 2016 | $5.15 |
Jun 25, 2017 | $5.15 | Dec 4, 2016 | $0.21 |
Feb 17, 2017 | $4.95 | ||
Jul 2, 2017 | $5.15 | Feb 17, 2017 | $5.15 |
Jul 9, 2017 | $5.15 | Feb 17, 2017 | $5.15 |
Jul 16, 2017 | $5.15 | Feb 17, 2017 | $5.15 |
Jul 23, 2017 | $5.15 | Feb 17, 2017 | $5.15 |
Jul 30, 2017 | $5.15 | Feb 17, 2017 | $5.15 |
Aug 6, 2017 | $5.15 | Feb 17, 2017 | $5.15 |
Aug 13, 2017 | $5.15 | Feb 17, 2017 | $5.15 |
Aug 20, 2017 | $5.15 | Feb 17, 2017 | $5.15 |
Aug 27, 2017 | $5.15 | Feb 17, 2017 | $5.15 |
Sep 3, 2017 | $5.15 | Feb 17, 2017 | $5.15 |
Sep 10, 2017 | $5.15 | Feb 17, 2017 | $5.15 |
Sep 17, 2017 | $5.15 | Feb 17, 2017 | $5.15 |
Sep 24, 2017 | $5.15 | Feb 17, 2017 | $5.15 |
Oct 1, 2017 | $5.15 | Feb 17, 2017 | $5.15 |
Oct 8, 2017 | $5.15 | Feb 17, 2017 | $5.15 |
Oct 15, 2017 | $5.15 | Feb 17, 2017 | $5.15 |
Oct 22, 2017 | $5.15 | Feb 17, 2017 | $5.15 |
Oct 29, 2017 | $5.15 | Feb 17, 2017 | $5.15 |
Nov 5, 2017 | $5.15 | Feb 17, 2017 | $5.15 |
Nov 12, 2017 | $5.15 | Feb 17, 2017 | $0.21 |
Jun 18, 2017 | $4.95 | ||
Nov 19, 2017 | $5.15 | Jun 18, 2017 | $5.15 |
Nov 26, 2017 | $5.15 | Jun 18, 2017 | $5.15 |
Dec 3, 2017 | $5.15 | Jun 18, 2017 | $5.15 |
Dec 10, 2017 | $5.15 | Jun 18, 2017 | $5.15 |
Dec 17, 2017 | $5.15 | Jun 18, 2017 | $5.15 |
Dec 24, 2017 | $5.15 | Jun 18, 2017 | $5.15 |
Dec 31, 2017 | $5.15 | Jun 18, 2017 | $5.15 |
Jan 7, 2018 | $5.15 | Jun 18, 2017 | $5.15 |
Jan 14, 2018 | $5.15 | Jun 18, 2017 | $5.15 |
Jan 21, 2018 | $5.15 | Jun 18, 2017 | $5.15 |
Jan 28, 2018 | $5.15 | Jun 18, 2017 | $5.15 |
Feb 4, 2018 | $5.15 | Jun 18, 2017 | $5.15 |
Feb 11, 2018 | $5.15 | Jun 18, 2017 | $5.15 |
Feb 18, 2018 | $5.15 | Jun 18, 2017 | $5.15 |
Feb 25, 2018 | $5.15 | Jun 18, 2017 | $5.15 |
Mar 4, 2018 | $5.15 | Jun 18, 2017 | $5.15 |
Mar 11, 2018 | $5.15 | Jun 18, 2017 | $5.15 |
Mar 18, 2018 | $5.15 | Jun 18, 2017 | $5.15 |
Mar 25, 2018 | $5.15 | Jun 18, 2017 | $5.15 |
Apr 1, 2018 | $5.15 | Jun 18, 2017 | $5.15 |
Apr 8, 2018 | $5.15 | Jun 18, 2017 | $5.15 |
Apr 15, 2018 | $5.15 | Jun 18, 2017 | $5.15 |
Apr 22, 2018 | $5.15 | Jun 18, 2017 | $5.15 |
Apr 29, 2018 | $5.15 | Jun 18, 2017 | $5.15 |
May 6, 2018 | $5.15 | Jun 18, 2017 | $5.15 |
May 13, 2018 | $5.15 | Jun 18, 2017 | $5.15 |
May 20, 2018 | $5.15 | Jun 18, 2017 | $5.15 |
May 27, 2018 | $5.15 | Jun 18, 2017 | $3.30 |
Jun 23, 2017 | $1.86 | ||
Jun 3, 2018 | $5.15 | Jun 23, 2017 | $5.15 |
Jun 10, 2018 | $5.15 | Jun 23, 2017 | $5.15 |
Jun 17, 2018 | $5.15 | Jun 23, 2017 | $5.15 |
Jun 24, 2018 | $5.15 | Jun 23, 2017 | $5.15 |
Jul 1, 2018 | $5.15 | Jun 23, 2017 | $2.27 |
Jun 26, 2017 | $2.89 | ||
Jul 8, 2018 | $5.15 | Jun 26, 2017 | $5.15 |
Jul 15, 2018 | $5.15 | Jun 26, 2017 | $5.15 |
Jul 22, 2018 | $5.15 | Jun 26, 2017 | $5.15 |
Jul 29, 2018 | $3.89 | Jun 26, 2017 | $3.89 |
guenter Jul 2, 2017
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