Entrepreneur
Name
Naomi
Member since
December 2014
On-time repayments
97 installments • 34%
About Me
My name is Naomi Muiruri, born in Nakuru county in a family of six where I am the second born. My parents are small scale farmers and it is this activity that they used to raise us. I attended primary and secondary school there and later relocated to Mombasa to live with my cousin and also to look for a job. Getting a job without vocational training was not easy and but I finally got a job as a hotel waiter.
With savings from my earnings, I enrolled for a short course in computer packages. Through further savings, I managed to open a business that deals with selling mobile phone accessories. I am currently doing a course in Business Management on part-time basis.
I am a hardworking person and I believe in earning from my sweat.
My Business
My business deals with sale of mobile phone accessories. I started this business a few years ago when I noticed there is a high demand for these items. The products I sell include phone batteries, covers, earphones etc. This items range from $1 to as high as $10.
Due to their cheap prices, these items move very fast and I keep replenishing my stock. My main clients are young adults and school students.
I make a net profit of about $ 200 per month. I use this money to pay for my education and to support my now aging parents back home. My desire is to expand the business and start selling mobile phones for more income.
Loan Proposal
With this loan, I am hoping to get into the lucrative market of selling mobile phones. In urban Kenya everyone uses mobile phones for communication and for mobile money transfer. For this reason, the demand for these gadgets is very high. The only impediment is the getting capital to buy this stock. I am glad that I now have Zidisha and if given this loan, I will use it to buy a dozen basic phones which I hope to sell as I make a debut in this field.
I am already well established in the field of mobile accessories and it will not take much effort to sell the phones. I am hoping that this will boost my income by not less than 30%.
Feedback
Positive
None
Neutral
None
Negative
None
Loan Info
Project Type
Classic Loan
Disbursed amount
$261.00
Date disbursed
Apr 3, 2015
Repayment status
Late
Projected term
19 months
Other loans
Lenders
Newport, United States
Germany
United States
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United States
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New York City, United States
Australia
United States
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Jake Gibson and Beverly Picardo
San Francisco, United States
Summary
Amount repaid
$201.67
Amount remaining
$73.84
Expected completion
Nov 13, 2016
Status
Repaying late
Installment amount
$2.22
Repayment History
| Expected Payments | Actual Payments | ||
|---|---|---|---|
| Apr 12, 2015 | $5.50 | Apr 13, 2015 | $5.50 |
| Apr 19, 2015 | $5.50 | Apr 13, 2015 | $0.06 |
| Apr 21, 2015 | $5.44 | ||
| Apr 26, 2015 | $5.50 | Apr 21, 2015 | $0.11 |
| May 2, 2015 | $5.39 | ||
| May 3, 2015 | $5.50 | May 2, 2015 | $5.50 |
| May 10, 2015 | $5.50 | May 2, 2015 | $0.22 |
| May 30, 2015 | $5.28 | ||
| May 17, 2015 | $5.50 | May 30, 2015 | $5.50 |
| May 24, 2015 | $5.50 | May 30, 2015 | $0.33 |
| Jun 14, 2015 | $5.17 | ||
| May 31, 2015 | $5.50 | Jun 14, 2015 | $0.39 |
| Jun 23, 2015 | $5.11 | ||
| Jun 7, 2015 | $5.50 | Jun 23, 2015 | $5.50 |
| Jun 14, 2015 | $5.50 | Jun 23, 2015 | $0.50 |
| Jun 30, 2015 | $5.00 | ||
| Jun 21, 2015 | $5.50 | Jun 30, 2015 | $0.56 |
| Jul 13, 2015 | $4.94 | ||
| Jun 28, 2015 | $5.50 | Jul 13, 2015 | $5.50 |
| Jul 5, 2015 | $5.50 | Jul 13, 2015 | $0.67 |
| Jul 22, 2015 | $4.83 | ||
| Jul 12, 2015 | $5.50 | Jul 22, 2015 | $5.50 |
| Jul 19, 2015 | $5.50 | Jul 22, 2015 | $0.78 |
| Jul 30, 2015 | $4.72 | ||
| Jul 26, 2015 | $5.50 | Jul 30, 2015 | $0.83 |
| Aug 9, 2015 | $4.67 | ||
| Aug 2, 2015 | $5.50 | Aug 9, 2015 | $0.89 |
| Aug 17, 2015 | $4.61 | ||
| Aug 9, 2015 | $5.50 | Aug 17, 2015 | $0.94 |
| Sep 2, 2015 | $4.56 | ||
| Aug 16, 2015 | $5.50 | Sep 2, 2015 | $1.00 |
| Sep 9, 2015 | $4.50 | ||
| Aug 23, 2015 | $5.50 | Sep 9, 2015 | $1.06 |
| Sep 15, 2015 | $4.44 | ||
| Aug 30, 2015 | $5.50 | Sep 15, 2015 | $1.11 |
| Sep 23, 2015 | $4.39 | ||
| Sep 6, 2015 | $5.50 | Sep 23, 2015 | $1.17 |
| Sep 26, 2015 | $4.33 | ||
| Sep 13, 2015 | $5.50 | Sep 26, 2015 | $1.22 |
| Oct 1, 2015 | $4.28 | ||
| Sep 20, 2015 | $5.50 | Oct 1, 2015 | $0.72 |
| Oct 5, 2015 | $4.78 | ||
| Sep 27, 2015 | $5.50 | Oct 5, 2015 | $0.78 |
| Oct 12, 2015 | $4.72 | ||
| Oct 4, 2015 | $5.50 | Oct 12, 2015 | $0.83 |
| Oct 18, 2015 | $4.67 | ||
| Oct 11, 2015 | $5.50 | Oct 18, 2015 | $0.89 |
| Oct 21, 2015 | $4.61 | ||
| Oct 18, 2015 | $5.50 | Oct 21, 2015 | $0.94 |
| Oct 27, 2015 | $4.56 | ||
| Oct 25, 2015 | $5.50 | Oct 27, 2015 | $1.00 |
| Nov 3, 2015 | $4.50 | ||
| Nov 1, 2015 | $5.50 | Nov 3, 2015 | $1.06 |
| Nov 11, 2015 | $4.44 | ||
| Nov 8, 2015 | $5.50 | Nov 11, 2015 | $1.11 |
| Nov 21, 2015 | $4.39 | ||
| Nov 15, 2015 | $5.50 | Nov 21, 2015 | $5.50 |
| Nov 22, 2015 | $1.22 | Nov 21, 2015 | $1.22 |
| Nov 29, 2015 | $0.00 | ||
| Dec 6, 2015 | $0.00 | ||
| Dec 13, 2015 | $0.00 | ||
| Dec 20, 2015 | $0.00 | ||
| Dec 27, 2015 | $0.00 | ||
| Jan 3, 2016 | $0.00 | ||
| Jan 10, 2016 | $2.22 | Jan 13, 2016 | $2.22 |
| Jan 17, 2016 | $2.22 | Jan 20, 2016 | $2.22 |
| Jan 24, 2016 | $2.22 | Jan 27, 2016 | $2.22 |
| Jan 31, 2016 | $2.22 | Feb 4, 2016 | $2.22 |
| Feb 7, 2016 | $2.22 | Feb 12, 2016 | $2.22 |
| Feb 14, 2016 | $2.22 | Feb 19, 2016 | $2.22 |
| Feb 21, 2016 | $2.22 | Mar 7, 2016 | $2.22 |
| Feb 28, 2016 | $2.22 | Mar 7, 2016 | $2.22 |
| Mar 6, 2016 | $2.22 | Mar 31, 2016 | $2.22 |
| Mar 13, 2016 | $2.22 | Apr 19, 2016 | $2.22 |
| Mar 20, 2016 | $2.22 | May 2, 2016 | $2.22 |
| Mar 27, 2016 | $2.22 | ||
| Apr 3, 2016 | $2.22 | ||
| Apr 10, 2016 | $2.22 | ||
| Apr 17, 2016 | $2.22 | ||
| Apr 24, 2016 | $2.22 | ||
| May 1, 2016 | $2.22 | ||
| May 8, 2016 | $2.22 | ||
| May 15, 2016 | $2.22 | ||
| May 22, 2016 | $2.22 | ||
| May 29, 2016 | $2.22 | ||
| Jun 5, 2016 | $2.22 | ||
| Jun 12, 2016 | $2.22 | ||
| Jun 19, 2016 | $2.22 | ||
| Jun 26, 2016 | $2.22 | ||
| Jul 3, 2016 | $2.22 | ||
| Jul 10, 2016 | $2.22 | ||
| Jul 17, 2016 | $2.22 | ||
| Jul 24, 2016 | $2.22 | ||
| Jul 31, 2016 | $2.22 | ||
| Aug 7, 2016 | $2.22 | ||
| Aug 14, 2016 | $2.22 | ||
| Aug 21, 2016 | $2.22 | ||
| Aug 28, 2016 | $2.22 | ||
| Sep 4, 2016 | $2.22 | ||
| Sep 11, 2016 | $2.22 | ||
| Sep 18, 2016 | $2.22 | ||
| Sep 25, 2016 | $2.22 | ||
| Oct 2, 2016 | $2.22 | ||
| Oct 9, 2016 | $2.22 | ||
| Oct 16, 2016 | $2.22 | ||
| Oct 23, 2016 | $2.22 | ||
| Oct 30, 2016 | $2.22 | ||
| Nov 6, 2016 | $2.22 | ||
| Nov 13, 2016 | $0.51 | ||
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