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

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doinggood

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samuk

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saturn4peace

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samiT

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Ilona

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Jake Gibson and Beverly Picardo

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

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  • Anne Wambui Njoroge    Oct 2, 2015

    It is my kind request to the zidisha management to allow me to pay lower in my weekly loan repayments.Thank you

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  • Anne Wambui Njoroge    Aug 1, 2015

    Dear all the Zidisha fraternity.I am kindly applying for a new payments against my loan.I will be comfortably paying this amount installment until my salon resumes the normality.Kindly allow me.Thank you in advance.

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  • Anne Wambui Njoroge    Apr 16, 2015

    Good morning my lenders and my Zidisha team.It is unfortunate that i had not sent my installments against my loan up to date.I have been not feeling well for more than two weeks now but i am on my way recovering from Malarial infections.That is why i had been away from my salon but due to customers complain on my closure of the business,I have plan to re-open from Monday the coming week God willing.Kindly accept my apology caused by this inconveniences.Thank you.

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  • Martin Macharia    Feb 26, 2015

    Hello Lenders,
    I have already called Anne and she has promised to resume her payments. Actually she promised to do it from last night and hopefully she has already done it but the payment is yet to be updated.

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  • Anne Wambui Njoroge    Feb 11, 2015

    I would wish to be paying at least a minimum of kshs.100 shillings for the time being.This has being caused by the renewal of my business permit and since it is a return to school month,the business is somehow slow.I am kindly pleading for the inconveniences caused .Thank you

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  • Anne Wambui Njoroge    Jan 11, 2015

    To all my worthy lenders,I say THANK YOU for entrusting your hard earned money for boosting my business.I am certain that through your kind demonstration in funding me,my salon will acquire the new drier machine and i will add more stock in the cosmetic section.Thank you to you all and God bless you all.Have a super and lovely Sunday

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  • Anne Wambui Njoroge    Jan 9, 2015

    To all the lender and the zidisha team.I am kindly welcoming my dear lenders to fund my loan.My salon really needs your support for now so that i can equip it with a new machine which can sustain the ever increasing demand especially when i apply to their heads the hair chemical.Thank you in advance and God bless you all.

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  • Anne Wambui Njoroge    Dec 4, 2013

    How are doing my worthy Zidisha friends.Its another good afternoon here in Nakuru County,Kenya.I am privileged to talk to you this wonderful day.My Salon is doing good and for now we are preparing for the big days to come for our businesses to be more busier than ever before, from 12/12/2013 through the Christmas season.That is why i was requesting the Zidisha Organization for a third loan,so that i will be more stocked with the Hair chemical,perfumes hair additions among other fast moving hair products.Otherwise for now i am waiting the Zidisha Management to activate my loan page so the i can request for a new loan.For now iam at my salon waiting for the customers to come for the friendly services.Thank you and have a successful day.Anne

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  • mewesten    Nov 29, 2013

    Dear Anne,
    That's wonderful news from you!
    It is good news when your business no longer needs loan capital to operate successfully.
    I am surprised that you rescheduled your 24-month loan for 3 months!

    I wish you continued success in all things.
    Marvin

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  • Anne Wambui Njoroge    Nov 29, 2013

    Thank you so much the Zidisha team and the lending team as well,for your truly support in my Salon business.I have rescheduled my monthly repayments as per the sales i have made for the last two months.For now i have to repay the whole amount due to the sales i have made.Thank you for your patience, and for your prayers too for what i was undergoing for the last few weeks,which made me to be late in terms of installment payments.I am looking forward in your future support towards my Salon business.I sincerely appreciate for your support and also for your patience and i am sorry for the delay.Thanks and be blessed.Anne.

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    • KM    Nov 30, 2013

      Hello Anne - Thank-you for repaying this loan ahead of time - I hope it was helpful to you. Good luck in your future work!

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  • Anne Wambui Njoroge    Nov 21, 2013

    Hallo all the zidisha microfinance and all the lending panel,It's another beautiful day god has made for us to rejoice and be glad in Him.

    For sure,i was not able to repay this month's installments on time,although i am planning to repay all the outstanding balances in ten(10)days from today .Kindly i am requesting the Zidisha platform to consider me for the lateness and hopefully i will fulfill the promise come the 01/12/2013.Thank you for your patience and i do sincerely apologize for the inconvenience.Anne Wambui

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  • Anne Wambui Njoroge    Nov 6, 2013

    Hello Kilmeny,it's great to have you as part of my business partner.The most customers within this Mawanga City always come for the Weaving,retouching, Braiding,Curl-kitting among other services.Those are the most popular hair styles most of my clients come for in my Salon.Otherwise how is going in that other part of the Continent?Have a splendid day ahead.God bless you.

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    • KM    Nov 9, 2013

      Good morning. Today in Winnipeg (which is in the central plains region of Canada) it is snowing! Right now the temperture is just about 0 Celcius. It will probably not get any warmer until next year. But that is okay with us - we are used to it and actually it would be really strange for us if there was no snow during the upcomming holiday season. We are now busy following our ice hockey team - who won their game last night, very exciting since they are really not very good compared to the other teams in the league. It is too expensive for most people to go see them live, so I follow them over the radio.

      It has been a good week for me, and I hope that it has also been a good week for you. Please enjoy the weekend.

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  • Anne Wambui Njoroge    Oct 23, 2013

    Hallo all the zidisha microfinance,and all the lenders,It is another beautiful day here in Nakuru County,Kenya and the salon looks to be more busier than before,as per how the clients are coming for the services.I have decided to reschedule my monthly payments from next month.The reason is that most of the customers who had been given the services from my salon are coming each new day and they are paying as per the services offered to them.Thank you in advance.

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    • KM    Nov 3, 2013

      Hello - I'm glad to learn that your salon is starting to get more customers and look forward to your repayment late this month. I am wondering what is your most popular service?

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  • Anne Wambui Njoroge    Oct 8, 2013

    Good afternoon all my worthy Zidisha staffs,all the lenders aboard.It is a good day in deed here in Nakuru County.The day looks promising and it is very sunny today.For several days,i have not talked to you my worthy friends.There has been so many movements here and there which has caused me not to be communicating to you oftenly.
    Now i am back and that is why i am communicating to you today.Actually my salon is still running as usual,although the business is not performing to my expectations.Most of the clients are not coming for the services,of which some are saying that the month is at the corner.I am hoping before the week ends,they will coming for the services.I am guessing that they had refused to come because i was not around,since i had traveled at my parents farm,in Muran'ga.Since my Grandmother was not feeling good.I am looking forward in the next few days remaining to pay back my first installment.Thank you and have a Good Day.Anne.

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    • mewesten    Oct 8, 2013

      Good morning, Anne,
      I am happy to hear that you are doing OK. I understand that your business could be doing better, but as the saying goes, "That's business." I hope things pick up for you soon now that you are back.
      Best wishes to you and your family (especially your grandmother).
      Marvin

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  • Anne Wambui Njoroge    Aug 30, 2013

    Hallo all the zidisha micro finance management and all the lending panel.It is another day that i am abit free so that i can share a word with my worthy friends.Today being on a Friday,we have been doing fine and the business is responding good.The whole of this week my salon business has been very positive.Since i bought more of the latest hair extensions/hair additions,wigs in large quantities, my customers have really enjoyed the best services i had ever done since i opened this salon.For my worthy customers who have popped into my salon they have noticed the difference,in prices,stocking of the hair additions among other good things.I do thank my worthy zidisha team for this good work in empowering me.Thank you and have a successful weekend.Anne Wambui.

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    • KM    Sep 2, 2013

      Hello Mrs. Wambui - I hope you had a good weekend. Do you do more buisness on weekdays or on the weekends? I have updated my photo so that you can see my "new look"! Before it was a photo of me this past winter. Unfortunately, today is quite cool here (about 10 Celcius this morning) so soon winter will be back!

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  • Anne Wambui Njoroge    Aug 30, 2013

    Hallo all the zidisha micro finance management and all the lending panel.It is another day that i am abit free so that i can share a word with my worthy friends.Today being on a Friday,we have been doing fine and the business is responding good.The whole of this week my salon business has been very positive.Since i bought more of the latest hair extensions/hair additions,wigs in large quantities, my customers have really enjoyed the best services i had ever done since i opened this salon.For my worthy customers who have popped into my salon they have noticed the difference,in prices,stocking of the hair additions among other good things.I do thank my worthy zidisha team for this good work in empowering me.Thank you and have a successful weekend.Anne Wambui.

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  • Anne Wambui Njoroge    Aug 26, 2013

    Hello Kilmeny, all the lenders across the world and the whole Zidisha Organization management.I received the amount of cash on 24--8-2013,of USD 483.I thank all the bidders who really helped me through this loan.I also thank Kilmeny for the effort you made to fund my salon business.I am confident that my salon will grow more than before through your funds.
    Surely if you(Kilmeny)were in Kenya you could have visited my salon for the service.I could have trimmed your hair to your satisfaction.I can see from the picture how long your hair is.Otherwise whenever you plan to visit Kenya,let me know because i will make sure that your hair will be smart always.Thank you and have a good day.Anne.

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  • Anne Wambui Njoroge    Aug 26, 2013

    Hello Kilmeny, all the lenders across the world and the whole Zidisha Organization management.I received the amount of cash on 24--8-2013,of USD 483.I thank all the bidders who really helped me through this loan.I also thank Kilmeny for the effort you made to fund my salon business.I am confident that my salon will grow more than before through your funds.
    Surely if you(Kilmeny)were in Kenya you could have visited my salon for the service.I could have trimmed your hair to your satisfaction.I can see from the picture how long your hair is.Otherwise whenever you plan to visit Kenya,let me know because i will make sure that your hair will be smart always.Thank you and have a good day.Anne.

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  • Anne Wambui Njoroge    Aug 26, 2013

    Hello Kilmeny, all the lenders across the world and the whole Zidisha Organization management.I received the amount of cash on 24--8-2013,of USD 483.I thank all the bidders who really helped me through this loan.I also thank Kilmeny for the effort you made to fund my salon business.I am confident that my salon will grow more than before through your funds.
    Surely if you(Kilmeny)were in Kenya you could have visited my salon for the service.I could have trimmed your hair to your satisfaction.I can see from the picture how long your hair is.Otherwise whenever you plan to visit Kenya,let me know because i will make sure that your hair will be smart always.Thank you and have a good day.Anne.

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  • KM    Aug 25, 2013

    Hello Mrs. Wambui Njoroge - I am happy that your loan has been fully funded, and that I was able to contribute a little bit. I am in Winnipeg, Canada - this weekend has been hot, with one rainstorm last evening. Because it is so hot, I have been thinking of getting my hair trimmed soon, I don't like having the back of my neck all sweaty, so I tend to wear my hair quite short in the summer. I think it is more usual for women in Kenya to have longer hair, but maybe I am wrong? I look forward to reading of your progress as you expand you salon!

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