Incubator and multi-purpose chopper

Dora Kageni

Kariani,muthambi Location, Kenya

100% repaid

Entrepreneur

Name

Dora Kageni

Member since

March 2014

On-time repayments

323 installments  •  47%

About Me

My name is Dora Anne Kageni. I am a project management student, a business lady, and am also in agri-business. Am also a freelancer working online on different jobs mainly article writing, transcription, and online marketing. I am married and a mother of three children. I live upcountry in a place called Marima of Tharaka-Nithi County Kenya with my family. My hobbies are cooking, farming, reading, and adventure.
I own a shop which I sell a variety of items like stationery, second-hand clothes locally called 'mitumba' and cosmetics. I also do freelancing writing and transcription on part-time mainly at night. I have a horticulture farm that I sell to locals and traders from local markets come to buy farm produce on a daily basis thanks to Zidisha loans. Living up-country is an advantage because of land so I ventured into commercial chicken farming in both indigenous and hybrid chicken. From the earnings I get I pay my workers, housekeeping, and some savings for rainy days.
My first born Joe is a third-year student at the Jomo Kenya University of Agriculture -JKUAT in Nairobi taking I.T course thank God he will complete this year and graduate by end-year. My second born Daniel is in form 2 high school class. My third born a girl Linda is in pre-unit class. So far so good I thank God for my kids and people around me like Zidisha for enabling us- me and my husband to take care of them, meeting their needs.
Meru community where I grew up and married are known to be, farmers such that there is a saying that goes around saying 'No Meru people ever die of hunger'. We are known for working hard in the farms cultivating potatoes, maize, maize, yams, bananas, beans, black beans and any other crop does very well in our soils. The only negative culture that is fading away, is female circumcision. This was practiced by our forefathers but it is dying as people are now educated.
My first born son Joe wants to do software that will improve peopleslike agri-business and marketing. Daniel has shifted his career choice to piloting and he has chosen aviation in high school. For Linda, everything that comes her way is her choice of being a teacher like her grandma to a business lady like mum. She is yet to decide what she wants to be at her age, still young.
I am very passionate about everything I do.

My Business

My business originally was selling different items that I bought from Nairobi the capital city of Kenya. I sell stationeries, plastics-basins, cups, and plates, and last week I have introduced back second-hand clothes. I was once way back selling second-hand clothes in 2004-2006 before I shifted to new items. I have started selling second-hand clothes again because of demand by my former customers and it is picking up positively. Pictures are on the dashboard. I still do the shop business but since after meeting Zidisha, it changed my life completely because I had a kitchen garden and backyard chicken which I later expanded into agri-business. And towards the end of 2017, I ventured into dairy farming with the help of my husband and a gift from my mother-in-law. I sell 5 liters at KES 45 and the remaining milk I use it for my kids to take and the extra makes home yogurt.
In the evening mostly, I do freelance writing and transcription. I joined freelancing back in 2012 when I was staying at home and my business was not doing very good because I was pregnant then with preeclampsia complication so I could not go for goods anymore. I bid for work and I have 2 clients I work for when they have to work the request I work for them.
I source high-quality goods from the market to sell to my customers so that I maintain my clients' qualities. Sometimes quality and money don't march but the customers understand. Again leaving in a place where people now you, is very challenging and sometimes encouraging since people take goods and pay at a slow pace or boost the business through referrals I chose this business because it has high returns and it was the starting point of my adult life after completing high school.
In agri-business, I grow vegetables, cereals like maize beans and cowpeas, poultry farming, and dairy farming. I started selling my extra vegetables, eggs, and chicken after realizing I had extra in my house. When I got my first Zidisha loan I bought seed trays and seeds and that took me to another level of thinking and business. So far now I have more than 150 chicken which I have hatched slowly after losing my flock early last year in February 2017. I am greatfulthat they are now laying eggs and I sell at will to those willing to buy eggs, meat or chicks.
I also do outside catering as request arises where I cook for people in any function like weddings, parties and school functions at a fee. This occurs really because I leave in a low and middle-class environment so mainly I get clients from those who are from this area and they have a function. I hire other people to help me since I cannot do it alone and I pay them at the end of the function.
I do bake muffins and cakes where I sell locally to people and local market shop. I bake also cakes for different functions like birthdays and weddings.

Monthly Income;
Freelancing $98.10
Vegetables $49.05
*Cereals Half yearly $98.10
*Poultry--Eggs $29.43
--Meat & Chicks $29.43
Milk $58.86
*Cakes & Muffins $78.48
*Outside Catering $98.10
Shop earnings $ 98.10
Totals------------------------$637.65

*This changes upward or downwards depending on the availability of work and availability of produce. So they are not constant but approximates.

Monthly Expenses
Freelancing Airtime $9.81
Househelp $49.24
Foodstuffs $29.43
Fuel & Transport $49.24
Farm Helper $39.24
*Farm casuals $39.24
Chicken feeds & Meds $65.10
Dairy feeds & Minerals $51.39
Yearly shop License $34.34
Water $29.43
Electricity $39.24
Sacco savings $68
*Miscellaneous $39.24

Totals $592.18

* This is subject to change like casuals when there is a lot of work like tilling, weeding and spraying they consume more and extras are used in repairs, Govt vaccinations, and my airtime.
Sacco savings will be used to repair our house roof tiles which we have noticed some leaks here and there. It will be repaired in the month of August when the rains stop.
Currently, have planted maize and beans in 3 acres, potatoes 1 acre and harvesting coffee this season. Potatoes and beans are already harvested and since the rains are continuing, am praying that the beans do not go to waste because of wet weather. After harvesting coffee, it is husked, dried and sorted to sell later in the year when prices are favorable. Maize and beans are for consumption but if there is surplus which most times there is, we sell to individuals or take in my daughters' school to supplement school fees for the term. I do sell also eggs from my flock and local chicken.

So far I have expanded in line with my vision. Early this year I bought 3 rabbits to boast my meat availability. In Kenya rabbit meat is in high demand and also the urine is used as liquid fertilizer. In future hopefully, I wish to have a fish pond and a pig sty so that my farm to be a full round farm where one can get anything natural or organic.

Loan Proposal

I have a problem of my hens leaving eggs before they hatch that is why I want to buy an incubator. To start with I wish to buy a small automatic incubator at a cost of Ksh.30,000 equivalent to $291
Another area is feeds are becoming expensive everyday which are taking a huge percentage of the profits. I wish to buy a multi-purpose chopper that cuts nappier grass,crushes maize combs and crushes maize seeds,sunflower seeds or cotton seeds to try and supplement the feeds in-order to gain more profits. These will help me make my own feeds with time. The Chopper is at Ksh.48,000 equivalent to $466.
The remaining balance will go to creating a slab and house for the chopper because it can not be left outside in the rain.

Item Cost
Chuff cutter $466
Incubator $291
Transport and Chopper installations $96

Feedback

13

None

None



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Loan Info

Project Type

Classic Loan

Disbursed amount

$906.62

Date disbursed

Aug 9, 2015

Repayment status

On Time

Projected term

8 months

Cost to entrepreneur

Service fee: $37.64

Lenders

rebecca

Chapin SC, United States

A

agwong

California, United States

N

nani

austin, United States

frankcalberg

Zürich, Switzerland

P

Per

Randers, Denmark

smonroe

Stanford, United States

Dianne

Maryville, United States

Lauren Rosenbaum

Washington, DC, United States

J

johans

Malmö, Sweden

tjm212003

Montreal, Canada

JB

James Broderick

Cobham, United Kingdom

C

CWS

Huntington beach, ca, United States

Q

Quomar

Żmigród, Poland

B

bgalon

London, United Kingdom

E

Errol

Bradenton, FL, United States

neffe

Berlin, Germany

S

Snick

Halle, Germany

A

alfredo

Bremen, Germany

H

Hilke

Bremen, Germany

C

Canlender1

Nanaimo, Canada

S_Begay

Allston, United States

F

Fabrizio

Grottaferrata, Italy

zebby24

Ft.myers, United States

S

susa

Forchtenberg, Germany

G

Givemoreuseless

Waterloo, Canada

seabass

New York, United States

C

cperkins

United States

J

jra299

New York, United States

B

BRWorthington

San Francisco, United States

Ishaque

New Jersey, United States

D

DerChristian

Rostock, Germany

HI

Highly Improbable

Saskatoon, Canada

GarcharJ

Athens, United States

Irvin

Vancouver, Canada

investor

Candiac, Canada

canadianlstan

Toronto, Canada

J

johan

Oslo, Norway

P

Peter

München, Germany

torelizer

Reggio Emilia, Italy

M

MarkAndMary

Seattle, United States

M

MrMc2

Saugerties, United States

T

tatts2000

melbourne, Australia

A

aniculai

GENK, Belgium

Veronika

victoria, Canada

P

purina

Turku, Finland

S

SovTempest

Toronto, Canada

malcolm D

grants pass, United States

C

Catolas

Kelowna, Canada

E

Elisabeth

Hove, Belgium

D

drakekids

Greensboro, United States

S

Spassmacher

46244 Bottrop, Germany

ken701

Lede, Belgium

Y

yop324

Ottawa, Canada

G

glosoli

Boston, United States

J

jkats1988

New York, United States

bdm4a

San Fransisco, United States

J

JLewe

Atlanta, Georgia, United States

W

Witlof

Tsukuba, Japan

T

TobyKenobi

Syracuse, United States

W

Windsor

Calgary AB, Canada

Umair Mahmood

Raleigh, United States

KaraM

Somerville, United States

BelleStarr

Albuquerque, United States

K

KakkoiiCali

Anaheim, United States

jesuisneil

MATTESON, United States

D

dhedmonds

Toronto, Canada

D

DrFeelGOOD

San Jose, United States

K

Kubicek

Baton Rouge, United States

L

Lunatoon

Grants Pass, United States

Joellen

Boulder, United States

E

Ehaffey

Washington D.C., United States

G

GregT

THUNDER BAY, Canada

S

scottr123

BOULDER, United States

U

uBaJ41

Afton, United States

C

ColinPlatt

Montgomery Village, United States

Johnny

shanghai, China

M

manup0d

Langen, Germany

L

lumlum

Renens, Switzerland

R

RalphyCastro

Allentown, United States

B

Bpryse

Long beach, United States

I

ideerge

Mountain View, United States

EHTHighSchool

Egg Harbor Township, United States

Tilius

Oslo, Norway

C

CanadianBiker

Peterborough, Canada

D

dallin1776

Blackfoot, United States

J

Jdoyle

Kitchener, Canada

Tuomas

Helsinki, Finland

Straetman

Kaarst, Germany

Rocketdrive

Eugene, Oregon, United States

boggsi

London, United Kingdom

G

golivera

Lima, Peru

J

jozua

Delft, Netherlands

K

Kerkeslager

Richmond, United States

B

BerndWeber

Munich, Germany

traciyoshiyama

Honolulu, United States

B

bizarresmom

Willowick, United States

AndreaBravi

London, UK, Canada

W

Withnail

Reading, United Kingdom

J

johnbireland

Dublin, Ireland

L

louisela

Eugene, Oregon, United States

D

Darcy

Kingsley, Australia

I

Interfree

Dubai, United Arab Emirates

J

jrtregurtha

Ridgefield, United States

joselvelez

Dallas, United States

H

howru

Toronto, Canada

S

sersub

San Diego, United States

T

Tszach

Tucson, United States

F

faical

Cologne, Germany

G

Gymeagary

Bangor, Australia

T

traderjohn

Baltimore, United States

G

gt2016c

Birchgrove, Australia

S

searthsong

Colorado Springs, United States

N

noah695

Salt Lake City, United States

Tjitser

The Hague, Netherlands

A

AJCortens

Boise, ID, United States

B

bgxalz

Kópavogur, Iceland

C

Coyote137

Portland, OR, United States

C

ComixAttic

Detroit, United States

mike123riley

Palo Alto, United States

H

Hynek

Brussels, Belgium

T

TopUp

Toronto, Canada

J

jjcharlie

chicago, United States

H

Houdini314

Elwood, United States

D

danielske

Branford, United States

F

FaaThailand

Bangkok, Thailand

R

rcmssr

Woodbury, United States

MichaelDean

San Jose, United States

TOTEMonline

Muscat, Oman

G

giaco

madrid, Spain

A

Aloha

Cologne, Germany

M

markj

Camberwell, Australia

B

blennert

Bakersfield, United States

J

Jacquinta

London, United Kingdom

Pere

Barcelona, Spain

G

Gerhard

Pretoria, South Africa

B

bilt6

Charlotte, United States

yeahboi78

Alexandria,LA, United States

Zidisha

Sterling, United States

A

aliasadsj

Queens, NY, United States

Tamanders

North Carolina, United States

AmeliaAndMatt

NSW, Australia

T

ToddK

Indianapolis, IN, USA, United States

K

Kristina

Christchurch, New Zealand

S

Shorty

London, United Kingdom

Karembo

vienna, Austria

S

Steveandson

Arlington, United States

R

ryano

New Westminster, Canada

S

simranandtyler

London, Ontario, Canada

G

GLWall

Iowa, United States

S

Scaramouche

Brisbane, Australia

K

Kumaran&Thea

London, United Kingdom

Kate4Good

Washington, United States

K

kipwhite

California, United States

P

Piccolo

London, United Kingdom

DaveinPerth

Perth, Australia

W

Washndwyer

Baltimore, United States

K

kingmark1

Calgary, Canada

A

ante1

trosa, Sweden

B

Buchbinder

Berlin, Germany

S

Sonja

London, United Kingdom

BJ

Brandon Joz

North Carolina, United States

E

eljama

Chapel Hill, United States

J

jgrauel

Zurich, Switzerland

Joseph P. Edd

Seoul, Republic of Korea

T

theshots

Vancouver, Canada

N

nanning

Baltasound, United Kingdom

N

ningli

Charlotte, NC, United States

Aggul

London, United Kingdom

W

woodleycw

Ottawa Ontario, Canada

Kysera

Crawfordsville, United States

S

SweAus

Adelaide, Australia

A

Angela

Heide, Germany

M

mikecook

San Francisco, California, United States

Jeff and Marcie

Portland, OR, United States

M

mrhanky1

melbourne, Australia

T

thejacobnorton

Jubail, Saudi Arabia

G

gregoryhk

San Francisco, United States

J

jjiffer

Seattle, United States

K

Kollegah

Munich, Germany

N

NancyG

Victoria, Canada

B

BigLender

Austin, TX, United States

T

tlingf

San Francisco, United States

C

Carol

Ripon, United States

jmsquared

Seattle, United States

RockinRobin

Centennial CO, United States

C

chrisn

Egg, Switzerland

R

Rossman

Poland, United States

B

BluckeyeFan

Columbus, United States

J

JNale

Reedsville, PA, United States

C

chrita446

Nashville, United States

MichaelR

Los Angeles, United States

J

JayJay

Cleveland, United States

C

CheesemanDan

Shanghai, China

A

Alicee

Munich, Germany

D

danny

Karlsruhe, Germany

C

chasingtheskies

Palmdale, United States

R

RuthL

Ascot, United Kingdom

V

valeriesolanas

Stamford, United States

C

Corrino

Sofia, Bulgaria

M

matts

New York, United States

J

jajajarno

Giessenlanden, Netherlands

L

LiquidH

Elmhurst, United States

P

proby24

Singapore, Singapore

G

gabarone

Rochester, United States

K

Kibbleni

Madison, United States

S

SelvaMarcus

Green Cove Springs, United States

A

Alsyf

Sydney, Australia

J

jipi9000

Vantaa, Finland

phytoplankton

United States

C

cmubiggguy

Chapin, SC, United States

simonvikstrom

Drottningholm, Sweden

T

tmsaddress

Orlando, Florida, United States

Jannon

Huntsville, United States

A

ArcticOne

Medicine Hat, Canada

B

Becks

Dubai, United Arab Emirates

1

1979fan

Palo Alto, United States

M

mgeck

Munich, Germany

L

Lenore

Munich, Germany

nelson637

Greenbrae, California, United States

cattlebaron

Pierre, SD, United States

S

Shadrax

Lansing, United States

B

blairan

Baltimore, United States

C

cyrilleberger

Gammalkil, Sweden

M

michalbette

melbourne, Australia

pbosakov

Sofia, Bulgaria

skoch

Oslo, Norway

dajawein

Gladstone, Australia

athomas

Chevy Chase, United States

M

Melanie

Raumati South, New Zealand

captainhappy

Gladstone, Australia

Elaine123

Philadelphia, United States

gbnbca

Janeville, Canada

F

fourstarsfamily

Melbourne, Australia

M

Marij

Gent, Belgium

M

missjoyy

Munich, Germany

T

Talex

Nürnberg, Germany

GV1986

Milano, Italy

G

gustavalberius

Uppsala, Sweden

S

suzerain

Kuala Lumpur, Malaysia

andreasol

Bielefeld, Germany

P

portlandloans

Portland, United States

B

BTaylor

Colorado Springs, CO, United States

Mavos

Gothenburg, Sweden

Pascal

Gent, Belgium

A

Adriano

Sittard, Netherlands

T

take5

Columbia, United States

amovida

Central valley, ny, United States

A

Austin

Long Beach, United States

S

SvenWaage

Stavanger, Norway

T

tanio

Darmstadt, Germany

Lamberto

gorgonzola, Italy

D

DThirteen

Miami, United States

E

edgreig

Brixton, United Kingdom

O

Oscart

Edmonton, Canada

Bruno

São Paulo, Brazil

A

Adam3333

Hague, Netherlands

sarna

Toronto, Canada

fairspirit

Utrecht, Netherlands

Gordons28

Santa Monica, United States

bycyt

Whitefish, United States

neocodesoftware

vancouver, Canada

isabelv

Barcelona, Spain, Sweden

Nadja

Weissach, Germany

iamdaimo

London, United Kingdom

mojobob

Hayward, United States

Z

ZandC

Sacramento, United States

andreatagliatti

Manchester, United Kingdom

dmirpuri

Bangkok, Thailand

J

jfragisk

Toronto, Canada

J

jinx83

Brisbane, Australia

Z

zidishan

Trifouillis, France

E

E

Marin county, United States

J

jcappel

Toronto, Canada

E

elourenco

Porto, Portugal

Walterlo

West Hollywood, United States

B

BobHope

United States

M

Malibu

Westwood, United States

G

gbelote

United States

D

drorm

United States

G

geoff

United States

X

xavier

Toronto, Canada

T

tommychheng

san francisco, United States

Paul Buchheit

Mountain View, United States

A

allie105

United States

S

simonista

United States

M

Michi

Switzerland

J

jay12

Germany

J

jdallatezza

United States

K

Karpet

Faroe Islands

Brooklyn

Brooklyn, United States

Anu

India

H

heretohelp

Philippines

H

hodor

Australia

mepster

San Francisco, Ca, United States

R

RonEddy

United States

TyWee

Manila, Philippines

Leonardia

Waddinxveen, Netherlands

W

wesbh89

United States

S

SaraNT

United States

I

idris

United States

dpollard

United States

S

stryker75

United States

M

M.Umar

Pakistan

E

Estebanito

United States

A

adamdreaming

United States

N

nausher

United States

J

JeremyR

United States

S

Stephan

Netherlands

AP

Andrew Page

United Kingdom

KM

Kirsty M

United Kingdom

GS

Guillaume Schaack

Luxembourg, Luxembourg

Arne Bachmann

Hamburg, Germany

BM

Brian Mickel

United States

Dave Bogard

New York, United States

Tsay

Taipei, Taiwan

Family Mueller

Petershagen, Germany

N

Niels

Berlin, Germany

Kriszti

Houston, TX, United States

Robert

Sweden

HC

Howard Cheng

New York City, United States

B

Byron

United States

Jamie

Dublin, Ireland

Dylan

Ireland

Greg Howard

Reno, Nv, United States

JL

Jindou Lee

United States

SMOICE

Berlin, Germany

MW

Matt Willis

United States

H

Hakon

Drammen, Norway

wissam

Jeddah, Saudi Arabia

Douglas St Quintin

Sydney, Australia

Christopher Hey

Sudbury, Canada

BE

Bob Ewing

United States

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