Anne Wambui Njoroge
302 installments • 2%
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 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
The total deductions of the month were as follows:
wages for one(1) lady=12,000
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
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.
Jan 12, 2015
Cost to entrepreneur
Lender interest: $465.71 at 3.97% annual rate over 69 months = $105.55
Service fee: $98.25