Joyce
Mombasa, Kenya
100% repaid
Name
Joyce
Member since
June 2014
On-time repayments
210 installments • 61%
My name is Joyce Wangui Murigu and I come from Nyeri county, central Kenya, but I am currently doing business in Mombasa County. I was born in a family of 6 where I am the third born. I am 32 years old and a single mother of one daughter, aged 6 years. I went to primary school and later to secondary school where I did my KCSE in 2003. I deal with mobile phone accessories where I operate a store in Mombasa town.
I am a hardworking person and I have worked my way up to where I am now. My aim is to provide for my young daughter and my aging parents back home. I intend to expand my business into a bigger store and hopefully start selling mobile phones as well.
I deal with mobile phone accessories, and my products range from phone skins and earphones to batteries and chargers. These products are in high demand in Mombasa, especially with the youth. I normally source these items from the capital city Nairobi, where I buy on wholesale and then I retail them. My ultimate goal is to make a trip outside the county when the business grows and get them from the source market.
I normally make about $350.00 after all expenses are paid. I have employed one worker who runs errands for me and serves as an attendant when we are very busy. I have always wanted to expand my business, but lack of credit has been a hindrance to my plans. By joining Zidisha, I hope to get the much-needed credit for my business expansion.
I am going to spend this money by buying an inventory of mobile phones. This field requires one to have a wide variety of phones so as to address all types of people. I will spend the whole amount of $430 to buy an assortment of 20 phones, ranging from basic ones to more expensive smart phones. I am hoping to make a profit of about 25% from the sales, but even more important is the multiplier factor, since I am going to put the money back to the business.
My business is booming and I hope this new stock will make it even better. With the anticipated increase in sales, I am hoping to hire an extra worker, thus creating a much-needed employment opportunity.
My name is Joyce Wangui Murigu and I come from Nyeri county, central Kenya but currently doing business in Mombasa County. I was born in a family of 6 where I am the third born. I am 32 years old and a single mother of one daughter aged 6 years. I went to primary school and later to secondary school where I did my KCSE in 2003. I deal with mobile phone accessories where I operate a store in Mombasa town.
I am a hardworking person and I have worked my way up to where I am now. My aim is to provide for my young daughter and my aging parents back home. I intend to expand my business into a bigger store and hopefully start selling mobile phones as well.
I deal with mobile phone accessories and my products range from phone skins, earphones, batteries and chargers. These products are in high demand in Mombasa especially with the youth. I normally source these items from the capital city Nairobi where I buy on wholesale and then I retail them. My ultimate goal is to make a trip outside the county when the business grows and get them from the source market.
I normally make about $350.00 after all expenses are paid. I have employed one worker who runs errands for me at serves as an attendant when we are very busy. I have always wanted to expand my business but lack of credit has been a hindrance to my plans. By joining Zidisha, I hope to get the much needed credit for my business expansion.
I am going to spend this money by buying an inventory of mobile phones. This field requires one to have a wide variety of phones so as to address all types of people. I will spend the whole amount $430 to buy about an assortment of 20 phones ranging from basic ones to more expensive smart phones. I am hoping to make a profit of about 25% from the sales but even more important is the multiplier factor since I am going to put the money back to the business.
My business is booming and I hope this new stock will make it even better. With the anticipated increase in sales, I am hoping to hire and extra worker thus creating much needed employment opportunity.
Positive
1
Neutral
None
Negative
None
Project Type
Classic Loan
Disbursed amount
$459.00
Date disbursed
Apr 3, 2015
Repayment status
On Time
Projected term
19 months
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Amount repaid
$484.52
Amount remaining
$0.00
Date repaid
Mar 24, 2016
Status
Fully repaid
Expected Payments | Actual Payments | ||
---|---|---|---|
Apr 12, 2015 | $11.01 | Apr 11, 2015 | $11.01 |
Apr 19, 2015 | $11.01 | Apr 11, 2015 | $0.10 |
Apr 19, 2015 | $10.91 | ||
Apr 26, 2015 | $11.01 | Apr 19, 2015 | $0.20 |
Apr 28, 2015 | $10.00 | ||
May 14, 2015 | $0.81 | ||
May 3, 2015 | $11.01 | May 14, 2015 | $11.01 |
May 10, 2015 | $11.01 | May 14, 2015 | $4.29 |
May 24, 2015 | $6.72 | ||
May 17, 2015 | $11.01 | May 24, 2015 | $4.39 |
May 25, 2015 | $6.62 | ||
May 24, 2015 | $11.01 | May 25, 2015 | $3.93 |
May 29, 2015 | $6.33 | ||
May 31, 2015 | $0.74 | ||
May 31, 2015 | $11.01 | May 31, 2015 | $11.01 |
Jun 7, 2015 | $11.01 | May 31, 2015 | $0.47 |
Jun 6, 2015 | $10.54 | ||
Jun 14, 2015 | $11.01 | Jun 6, 2015 | $0.57 |
Jun 13, 2015 | $10.44 | ||
Jun 21, 2015 | $11.01 | Jun 13, 2015 | $0.67 |
Jun 20, 2015 | $10.34 | ||
Jun 28, 2015 | $11.01 | Jun 20, 2015 | $0.54 |
Jun 28, 2015 | $6.67 | ||
Jul 12, 2015 | $3.80 | ||
Jul 5, 2015 | $11.01 | Jul 12, 2015 | $11.01 |
Jul 12, 2015 | $11.01 | Jul 12, 2015 | $11.01 |
Jul 19, 2015 | $11.01 | Jul 12, 2015 | $1.73 |
Jul 19, 2015 | $9.28 | ||
Jul 26, 2015 | $11.01 | Jul 19, 2015 | $1.83 |
Jul 26, 2015 | $9.18 | ||
Aug 2, 2015 | $11.01 | Jul 26, 2015 | $0.60 |
Aug 2, 2015 | $10.41 | ||
Aug 9, 2015 | $11.01 | Aug 2, 2015 | $0.70 |
Aug 17, 2015 | $10.31 | ||
Aug 16, 2015 | $11.01 | Aug 17, 2015 | $11.01 |
Aug 23, 2015 | $11.01 | Aug 17, 2015 | $0.57 |
Aug 31, 2015 | $10.44 | ||
Aug 30, 2015 | $11.01 | Aug 31, 2015 | $11.01 |
Sep 6, 2015 | $11.01 | Aug 31, 2015 | $11.01 |
Sep 13, 2015 | $11.01 | Aug 31, 2015 | $0.87 |
Sep 19, 2015 | $10.14 | ||
Sep 20, 2015 | $11.01 | Sep 19, 2015 | $11.01 |
Sep 27, 2015 | $11.01 | Sep 19, 2015 | $1.07 |
Oct 24, 2015 | $9.94 | ||
Oct 4, 2015 | $11.01 | Oct 24, 2015 | $11.01 |
Oct 11, 2015 | $11.01 | Oct 24, 2015 | $0.71 |
Nov 2, 2015 | $10.30 | ||
Oct 18, 2015 | $11.01 | Nov 2, 2015 | $0.81 |
Nov 8, 2015 | $10.20 | ||
Oct 25, 2015 | $11.01 | Nov 8, 2015 | $0.02 |
Nov 24, 2015 | $10.83 | ||
Dec 8, 2015 | $0.16 | ||
Nov 1, 2015 | $11.01 | Dec 8, 2015 | $10.96 |
Dec 24, 2015 | $0.06 | ||
Nov 8, 2015 | $11.01 | Dec 24, 2015 | $11.01 |
Nov 15, 2015 | $11.01 | Dec 24, 2015 | $11.01 |
Nov 22, 2015 | $11.01 | Dec 24, 2015 | $10.70 |
Jan 3, 2016 | $0.31 | ||
Nov 29, 2015 | $11.01 | Jan 3, 2016 | $11.01 |
Dec 6, 2015 | $11.01 | Jan 3, 2016 | $11.01 |
Dec 13, 2015 | $3.56 | Jan 3, 2016 | $3.56 |
Dec 20, 2015 | $0.00 | ||
Dec 27, 2015 | $0.00 | ||
Jan 3, 2016 | $0.00 | ||
Jan 10, 2016 | $2.22 | Jan 10, 2016 | $2.22 |
Jan 17, 2016 | $2.22 | Jan 10, 2016 | $0.56 |
Jan 17, 2016 | $1.67 | ||
Jan 24, 2016 | $2.22 | Jan 24, 2016 | $2.22 |
Jan 31, 2016 | $2.22 | Jan 30, 2016 | $2.22 |
Feb 7, 2016 | $2.22 | Feb 6, 2016 | $2.22 |
Feb 14, 2016 | $2.22 | Feb 13, 2016 | $2.22 |
Feb 21, 2016 | $2.22 | Feb 20, 2016 | $2.22 |
Feb 28, 2016 | $2.22 | Feb 26, 2016 | $2.22 |
Mar 6, 2016 | $2.22 | Mar 5, 2016 | $2.22 |
Mar 13, 2016 | $2.22 | Mar 12, 2016 | $2.22 |
Mar 20, 2016 | $2.22 | Mar 20, 2016 | $2.22 |
Mar 27, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
Apr 3, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
Apr 10, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
Apr 17, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
Apr 24, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
May 1, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
May 8, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
May 15, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
May 22, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
May 29, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
Jun 5, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
Jun 12, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
Jun 19, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
Jun 26, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
Jul 3, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
Jul 10, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
Jul 17, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
Jul 24, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
Jul 31, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
Aug 7, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
Aug 14, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
Aug 21, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
Aug 28, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
Sep 4, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
Sep 11, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
Sep 18, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
Sep 25, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
Oct 2, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
Oct 9, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
Oct 16, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
Oct 23, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
Oct 30, 2016 | $2.22 | Mar 24, 2016 | $2.22 |
Nov 6, 2016 | $0.02 | Mar 24, 2016 | $0.02 |
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