Inventory of cosmetics goods & another blow-dry machine

Anne Wambui Njoroge

Mawanga Centre, Kenya

3% repaid

Entrepreneur

Name

Anne Wambui Njoroge

Member since

February 2013

On-time repayments

302 installments  •  2%

About Me

My names are Anne Wambui Njoroge.I`m a mother of three kids(two boys and one girl) and I`m married Iam married in Agikuyu customary marriage.Our first born is a boy who is in the eighth class in the private school within the nakuru municipality.The second still in the same school in class five,and our last born is in Kindergarten in top class.God will early next year she will be going in class one.We leave in the outscarts of Nakuru County headquaters,in Nakuru North District,in a village known as Mawanga.

My Business

My Salon business is strategically located at the heart of Mawanga Shopping Centre,along Nakuru-Murunyu road.At my Salon business you can get services like,hair braiding,hair straightening,massage weaving,curl-kit,manicure &pedicure,perfumes and colognes among ather services.I started the salon business after getting some money from my former job,where i worked on commission basis.In 31/04/2010, i managed to secure a loan of ksh.120,000 from Emmanuel Vision Self Help Group,which i repaid it fully by the year 30/03/2011.The loan was for a period of 12 months. My salon business sometimes faces some financial challenges and that includes,sometimes a customer may want the services and the products in large quantity which to me becomes imposible due to lack of enough cash to finance.secondly a customer may demand me to cut for a percentage as it appears in other bigger salons of which sometimes becomes very difficult to me as i dont have enough stock to offer at that rate.
The prevous sales of the month is as follows:
sales from the services ksh.24,0000
sales from hair & beauty products ksh.25,750
sales from perfumes & cologne ksh18,000
Total ksh.67,750

The total deductions of the month were as follows:
Business rent=ksh.6,000
stock additions=ksh.25,000
Electricity bill=ksh.2,300
Miscellinious=ksh3,000
wages for one(1) lady=12,000
Total=ksh.48,300

Net profit=ksh.19,450
Once the Zidisha team entrust me with the loan, i will be able to offer good services to my customers and selling perfumes and colognes in bulky,
Through the Zidisha loan, i will be able to buy 2 more hair drier machines,4 more blow drier machines bulky perfumes and colognes , 6 more chairs and add more stock for my customers which i will eventually be getting more customers and profits, thus making sure that i remit the monthly payments on time .Thanks

Loan Proposal

This has been a prayer really answered.For now my salon has been facing various financial constrains due to lack of capital to re-invest into buying some more bulk cosmetics goods as well as adding one more blow-dry machine to ease the ever demanding customers and also to ease the congfestions and time that my customers keeps waiting for.
For the available loan you will lend to me i will use as follows:
(1)20 liters shampoos (Nice & lovely)cost at kshs.3,500.estimated USD.38.90
(2) 20 liters Hair conditioners from Miadi cost at kshs.3,850.estimated USD.42.80
(3)72 pieces 100 ml Qutex cost at kshs.4,200.estimated USD.47
(4)Original Dell Hair-drier machine cost at kshs.22,350.estimated USD.248
(5)Hair additions(Hair-wigs,long & short weaves,hair extensions,e.t.c) costs kshs.7,500.estimated USD.83
This will transform my salon as well as i will be able to give better services to my clients and at a reasonable prices as this is what is making the business moving by offering the clients a fair deal.Thank you and welcome for funding.Thank you in advance.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$465.71

Date disbursed

Jan 12, 2015

Repayment status

Late

Projected term

69 months

Cost to entrepreneur

Lender interest: $465.71 at 3.97% annual rate over 69 months = $105.55

Service fee: $98.25

Lenders

Elaine123

Philadelphia, United States

N

nullologue

Boston, United States

gbnbca

Janeville, Canada

JesseEXPRESS

Arlington, United States

M

Marij

Gent, Belgium

F

fhlsk

Potsdam, Germany

M

missjoyy

Munich, Germany

Gillis

Helsinki, Finland

S

StephenMichael

Burlington, United States

M

mattandrike

Arlington, United States

B

BartenKatrijn

Ghent 9000, Belgium

andreasol

Bielefeld, Germany

P

portlandloans

Portland, United States

B

BTaylor

Colorado Springs, CO, United States

M

MarcAndreD

Saguenay, Québec, Canada

T

take5

Columbia, United States

Moyeji

Australia

F

fake_name

Boston, United States

R

RichardH

Manchester, United Kingdom

J

j12345

Durham, United States

ViVenusMedical

Jarfalla, Sweden

W

wissu

Brüttisellen, Switzerland

L

lowtechmagazine

barcelona, Spain

Susansfund

Colorado Springs, United States

T

tomdeneire

Eke, Belgium

S

Serge

Bascharage, Luxembourg

A

AustA

Sydney, Australia

B

bgj21

Cambridge, United Kingdom

G

glomardor

Leonardtown, United States

J

juliewilson1971

Dhahran, Saudi Arabia

GigiNW

Vancouver, United States

M

markusfitza

College Station, United States

C

CarrotTop

Bangor, United States

A

aiban

Austin, United States

J

JG2012

Brooklyn, United States

J

JoJoHouse

New Castle, United States

S

Sabine

Courtenay, Canada

B

boourns

Newmarket, United Kingdom

DukusP

Glendale, United States

clemenchiang

Singapore, Singapore

D

doinggood

Missoula, United States

X

xdanny89x

Coventry, United Kingdom

M

mastodons

Chicago, United States

P

PaulHwang

Alexandria VA, United States

A

Anna01012

Bucksport, United States

A

Austrian

Graz, Austria

ShelbyDove

Los Angeles, United States

P

PhilACK

Brampton, Canada

E

EnhanceLife

Heber City, United States

T

thomashult

Bromma, Sweden

E

elhanan

Columbus, United States

eastcoastcanuck

Fredericton, Canada

W

wogman

Evanston, United States

S

samuk

Nottingham, United Kingdom

saturn4peace

Porterville, United States

S

samiT

Brussels, Belgium

I

Ilona

St Catharines, Canada

S

smilesandlove

mount horeb, United States

T

TheBarber

Oro Staion, Canada

J

JKain317

West Seneca, United States

madnomad

San Francisco, CA, United States

C

cczapp

Hilliard, United States

D

Dandru

Berkshire, United Kingdom

M

matushek

St Helier, United Kingdom

L

lender

Dubuque, United States

Jalene

Redmond, Oregon, United States

A

Aastra

Los Angeles, United States

E

Eric

San Leandro, United States

J

JonMichael

Winnipeg, Canada

M

Meghan

San Diego, United States

G

GanSatya

United States

JG

Jake Gibson and Beverly Picardo

San Francisco, United States

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