39 installments • 33%
My name is Joyce Atta-peters. I am a teacher at Taabosom Junior High School and from a family of 3. My Dad and Mum have divorced since my childhood. I am single. My elder brother was stabbed to death by thieves who only took his mobile phone and money. I come from Abandze in the Central Region. Growing up without my Mum and Dad together was very difficult so i had to stay with my Auntie who was supporting me pay my fees and taking care of me till i finished senoir high school. She helped me get a job and saved enough to go to the training college and now at the university offering my masters degree in education. I had to do something for myself because i wasnt going to depend on my Auntie forever so i started selling cosmetic and make up products and ladies panties. My hobbies are reading and dancing.
My business is selling of cosmetics,make up products, ladies accessories and panties in my beauty boutique. Managing this shop and teaching has been the primary source of income for me. I started this business mid last year and by God's grace things have really been good. l sell a variety of different Cosmetics and Makeup products like Eyeshadow, Liners&Pencils ,Brushes and tools, Lipstick, Powder, Cream, Perfumes, soaps, lotions, face masks, oils and some daily basic Cosmetics products. My customers prefer my goods to others and demands are very high because I work diligently and always try to satisfy and meet the demands of my customers.
Sales has been very good because in my community there are alot of women who buy things from me and also my colleague teachers at work also buy things from me, some on credit and others ready cash. Even though i have a shop which i have employed someone to manage it, i still take some of the goods around to prospective cash customers in their homes and offices during my off days as a teacher. I get alot of profit from my little business and i use some of the money to take care of my family,myself and pay my employee.
Thank you Zidisha team and all the lenders for allowing me to apply for my first loan.
l need this loan to expand my business-Beauty Boutique, add more new beauty products and accessories for ladies to what i already have in my shop . I will increase my profit margin because there is a very high demand in my community and i also move around to sell in homes and at offices as well. I will use some of the profit to invest in my business and take care of my family as well.
Jan 28, 2015
Cost to entrepreneur
Lender interest: $106.33 at 7.50% annual rate over 9 months = $6.07
Service fee: $1.65