Integrated crop farming project

Judith

Mtwapa, Kenya

100% repaid

Entrepreneur

Name

Judith

Member since

November 2013

On-time repayments

269 installments  •  89%

About Me

My name is Judith Chidzugwe. I live with my family in Mtwapa. I am married with 2 children who are all boys and they are all grown ups. My last born son has just graduated with a Master's of Science, Geosciences at the Georgia State University, Atlanta, USA. Due to the Corona virus, he received his Master's Certificate by mail.

I was born in a family of four, two brothers and two sisters. My parents died a long time ago. My sister died in 2015 so I have two brothers, one of whom has settled in Nairobi and the other one is Mombasa. They too, have their own children who are trying to settle down. We visit one another very often to keep the family bond.

I like making new friends, listening to inspirational music and watching movies.I love gospel music and I also like singing. I also like praying and fasting so much because I believe in prayers that move mountains. When you believe in God, there is nothing that is impossible. Just trust in Him and all will be well.

My Business

I am still doing my business of selling bedsheets from Mombasa town to Malindi town and upto Lamu town where I have gotten some customers. I am buying in bales and then sell at retail prices. One bale goes for Kshs.30,000/= (US $300) and sale at retail prices of Kshs.2,500/= (US $25) per pair of two bedsheets and 4 pillowcases In one bale, there are 20 sets of bedsheets which when all are sold, a total amount of Kshs..50,000/= (US $500) is raised. I make a profit of Kshs.20,000/= (US $200) within two weeks of selling. I am now planning to buy three bales and sell them within two weeks. Three bales will cost me Kshs.90,000/= (US $ 900) which after being sold, a total amount of Kshs.150,000/= (US $ 1500) will be raised. Out of this amount, Kshs.60,000/= (US.600) is my profit, and the rest is pumped back in the business. In a month, I will be able e to raise a profit of Kshs.120,000/= (US $1200) which will enable me to pay my bills, cater for other necessities and most importantly, service the Zidisha loan. This business has improved my standard of living . Am doing it from home.

I am and will be able to pay my loan in good time. Zidisha has always been there for me and I still believe, lenders will be able to support me. Long live Zidisha.

Loan Proposal

I wish to thank Zidisha for the great work you are doing in uplifting people lives. Part of the loan that will be disbursed to me - Kshs.10,000/= will enable me start the excavation of the underground tank plus labour now that the rains are about to start in March, 2014. I will use the rest to buy farm inputs and tools. This project will increase my income. It will benefit the community by letting them access vegetables at subsidized prices and thus reducing the cost of transportation. Their health will also improve through balanced diet. Your support will be highly appreciated. Long Live Zidisha

Feedback

5

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Loan Info

Project Type

Classic Loan

Disbursed amount

$150.00

Date disbursed

Mar 3, 2014

Repayment status

On Time

Projected term

2 months

Lenders

Dipsius

London, United Kingdom

L

Ladysmom

Dallas, United States

Y

Yevrahs

Dallas, Texas, United States

Treesforpeople

Oxfordshire, United Kingdom

Sarasota

Sarasota, Fl, United States

Matching Fund

Sterling, United States

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

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  • Judith    Jun 10, 2020

    Dear lenders, I hope you are all fine and staying safe. It's me again. I am kindly requesting you to support me in my business. I know I had problems with the last loan but I still managed to pay it all. All the issues that affected my not paying in time, have all been solved.

    Am ready for another loan and I will be paying in time. I will not disappoint you. Thank you for your support. Long live Zidisha

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  • Judith    Apr 10, 2020

    Dear lenders, am not able to pay the whole amount due to reasons beyond my control. Kindly bear with me.

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  • Judith    Feb 24, 2020

    I am not able to pay the whole amount due to unavoidable circumstances. As soon as my situation improves, I will make the payments. Thanks for your patience.

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  • Daniel    Feb 24, 2020

    Hello Lenders,

    Have spoke to the applicant and she will be adjusting the installment so she can make some payments

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  • Judith    Jan 3, 2020

    Happy New Year lenders, due to reasons beyond my control, I am only able to pay kshs.1000 per week and should things improve anytime, I will increase the amount. Please bear with me .

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  • Daniel    Dec 16, 2019

    Hello Lenders,

    Have spoke to Judith and she has informed me she will be making payment tommorow

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  • Judith    Nov 15, 2019

    Dear lenders, due to reasons beyond my control, am not able to pay kshs.5000 per week and am kindly requesting you to be patient with me. Thank you for your patience.

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  • Judith    Oct 5, 2019

    Dear lenders, I believe you are all fine. I am not able to pay the amount of kshs 5,000 per week due to reasons beyond my control, but should things improve, I will clear the remaining amount. Please bear with me. God bless you

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  • Judith    Aug 27, 2019

    Dear lenders I hope you are all fine. I had an emergency which necessitated me to use my savings and as a result, am not able to pay my loan on time. Am kindly requesting for your patience on this matter. I have always paid my loans on time. Kindly bear with me.

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  • Daniel    Aug 27, 2019

    Hello lenders,
    Trust you all doing well,have spoken to Judith and advised her to adjust the installment until the time she will be able to raise huge installment which she has agreed to that

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  • Maggie and M    Aug 25, 2019

    Hi Judith, we hope you're doing well - do you need to adjust your payments in order to keep your excellent credit rating?

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    • Judith    Aug 29, 2019

      Hi Maggie and Morwenna, am doing well and I hope you too. Thanks for your concern, I have adjusted my payments.

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  • Judith    May 18, 2019

    I would like to pay kshs.5,000 per week so that I can finish paying my loan early and be able to raise another loan.

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  • Judith    May 1, 2019

    Dear lenders, I wish to thank you all very very much for your support. You have made my day. I will, immediately when I receive this loan, buy three bales of bedsheets and sell to my customers in Mombasa, mariakani and Kilifi. My financial status has changed and thanks to you all. Long live Zidisha.

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  • Judith    May 1, 2019

    Dear lenders, thank you so very much for your support. I really do appreciate and may you be blessed abundantly.

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  • Judith    Apr 30, 2019

    Dear lenders, am so overwhelmed by your support. Am not able to mention all of you by your names but I want you to know that am so grateful. May the Lord God Almighty bless all of you. Amen

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  • Judith    Apr 28, 2019

    Dear lenders, hope you are good. I am kindly requesting you to support me in expanding my business. Be blessed.

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  • Judith    Apr 28, 2019

    Thanks ads68 for your support. Be blessed

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  • Judith    Apr 26, 2019

    Dear lenders, Its my belief that you are all fine. I am looking forward to your support in expansion of my business. Be blessed

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  • Judith    Apr 24, 2019

    Thanks Mary for your support. May the Lord God bless you.

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  • Judith    Apr 24, 2019

    Dear lenders, I believe you are all fine. I am counting on your support for my business. Be blessed.

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