Buying and selling fresh produce

Mary

Agona Duakwa, Ghana

100% repaid

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How it Works

Entrepreneur

Name

Mary

Member since

June 2017

On-time repayments

80 installments • 88%

About Me

My name is Mary Nyarko; a native of Agona Duakwa in the Central Region of Ghana. I was born and bred in Agona Duakwa, Ghana and still lives at Agona Duakwa.

As a young lady of twenty-eight (28) years of age who holds a Bachelor of Education in Community Based Rehabilitation and Disability Studies from University of Education, Winneba – Ghana, I aimed at starting my own business in the community in which I currently live (Agona Duakwa) since searching for a job is becoming a global problem in my country (Ghana). I currently work with Salvation Army Community Rehabilitation Project, Agona Duakwa as a Rehab Personnel (Contract Staff).

My Business

My personal business as a trader at our community market started in the year 2014 with a current capital base of GH¢ 5,000.00 (USD 1,157.41). I started as tomatoes and pepper seller on table top but have currently increase my product base to all kinds of vegetables, spices, foodstuffs, and smoked fishes with the little monthly earnings from my contract job at Salvation Army Community Rehabilitation Project. Currently, the local government has constructed a market complex for the community but it’s going out for a price. It’s my dream of owning one of the shops in the market for business expansion.

I have a large customer base due to the good interpersonal relationship that I have with them (members of the community) and still hoping to expand my customer base to other communities around.

Combining my trading business with the Rehab Personnel job is not an easy task at all but with the assistance from my lovely mum, things are just working out perfectly. In my absence at the market, my mum takes over. Such a lovely mum I have.

Loan Proposal

Capital injection through Zidisha is so far the easiest, fastest, and free. No collateral is required. As a young lady who is into trading with no physical collateral, acquiring loan from Zidisha will increase my working capital. Stock turnover will be high and will be able to well manage my customers.
The loan will eventually be use to purchase more stocks.

Feedback

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J
John Apr 28, 2018

Thank you so much for repayment of the loan. Hope everything goes well for you.
Best Wishes
John

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- Mary Apr 30, 2018
  
  Thanks John. God bless you for the support.
  
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- Mary May 3, 2018
  
  I have please apply for a new loan and hope to have your full support. God bless you
  
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Kelly Aug 28, 2017

Paid back ahead of schedule!

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Loan Info

Project Type

Classic Loan

Disbursed amount

$84.00

Date disbursed

Sep 5, 2017

Repayment status

On Time

Projected term

2 months

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Mary Jan 23, 2019

Changing my repayment amount will enables me keep enough working capital for the week.

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Mary Dec 3, 2018

The change of installment amount is to enable me pay my loan with easy and on time.

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Mary Aug 31, 2018

Reducing my weekly repayment will enable me maintain enough working capital to meet pending customers' demand.

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Mary Jul 23, 2018

Reduction of my installment will enable me maintain my working capital so as to meet customers demand.

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Mary Jun 21, 2018

Thanks to Zidisha for all the support. Business is slow but still, there is more hope.

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Mary May 23, 2018

My cashflow forecast reviewed that, I will need more working capital to meet customers demand for the month of June and July. Hence, there is the need for repayment adjustment.
Sorry for any inconveniences caused

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Mary May 18, 2018

Reduction of installment amount is to enable me maintain a current working capital to meet customers demand during this raining season here in Ghana.

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Mary May 14, 2018

Thanks to all the lenders and technical Zidisha staff for the fund. God richly bless you all.

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Mary May 3, 2018

Thank you Paul. God really bless you. I really do appreciate your donations.

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Mary Apr 23, 2018

Thanks all my lenders for the trust of lending me my previous loan. I have fully pay-off my current loan. My business is growing and I thank you all for the financial support. God bless you all.

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Mary Apr 4, 2018

I have been out of business for the past eight days now due to the health condition of my mum. She was not feeling well and I have been with her at the hospital. She is now ok and I'm now back to business. Hoping business will go on well and pay off the outstanding debt. Thanks.

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Mary Feb 14, 2018

How sweet it is having a strong financial backbone like Zidisha. My business has really see a massive transformation for the past months of joining this noble group. God bless all the lenders on this platform.

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Joshi Dec 30, 2017

Hello Mary,
have not heard from you in some time now. Hope your business picked up during this festival season and things are going well for you.

I came across your project but before I contributed, it was fully funded. Was reviewing such projects again and found that you have not posted here in almost a month now so was checking. :-)

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Mary Nyarko likes this.
- Mary Jan 1, 2018
  
  Hi Joshi,
  Happy New year. I pray that this year (2018) will be your year of hope, restoration, fruitfulness, good health, and favor from the Lord Almighty God. Amen.
  The good Lord has been faithful to me and my business during this festivity. I am forever grateful to Him and all my lenders for their support. Had it not been people like you, I wouldn't have made it so far. Therefore, once again I say a very big THANK YOU.
  
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Mary Nov 27, 2017

Special thanks to all my lenders for the new loan. I have received my money. God bless you all.
I have been able to buy more stocks to meet pending future demand

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Mary Nov 23, 2017

Thanks to my lenders for the new loan. I have received my money. God bless you all

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J
James Nov 16, 2017

Greetings Mary, this is James, one of the lenders. I hope your business is doing good, and your mum too. You said it is your dream to own one of the shops in the market complex so you can expand your business. How much does it cost to own one of the shops? I am sure your dream will come true someday. What is your childs name? Well take care and keep on keeping on. Hoping to hear from you. James

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Mary Nyarko likes this.
- Mary Nov 17, 2017
  
  Hi James,
  We are doing grate by the grace of God. My business is gradually growing through capital injection from noble lenders like you. God bless you once again.
  Infact, acquiring shop built by the local government is highly political. I've tried on several occasion by didn't succeed. Currently, all the shops have been issued out to their own political party members. But this hasn't discouraged me at all. I see that as part of life and at the right, things will be ok. There are other shops which are privately own by individual entrepreneurs but at a higher price of GH¢2,160.00 per annum. Mostly, these private shop owners only accept a minimum of 5 years advance rent payment (GH¢10,800.00). This is very high. Even more than my current working capital.
  That pretty girl is called Christiana. She is my brother's daughter and staying with my mum (her grandmother) and I. She is equally my responsibility because I love her and really care. I'm not married. Infact, I'm single and waiting for a responsible man to get married to...........lol.
  Best Regards.........
  
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  - George Feb 13, 2018
    
    It's well Mary. That is how the system is in Ghana. Everything has turn to be politics. But with determination, you will surely break through ok. God be with you.
    
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Mary Nov 16, 2017

Thanks to all my lenders. I'm very much grateful. God bless you for fully funding my loan for me on time.

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Mary Nov 14, 2017

Thanks to all my lenders for the support. The loan has indeed increase my working capital and customer base.

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Mary Sep 6, 2017

Thanks to my lenders. Business is flourishing like never before. I now have more stocks. My customers can count on me now.

God bless you all once again

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- George Feb 13, 2018
  
  Hard working. Keep it up.
  
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Mary Sep 5, 2017

A very big thanks to my noble lenders for this wonderful support for all standard....lol. I really appreciate your kindness. God bless you all. The loan will help me buy more stocks.

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