Inventory of yatta tyres spear

Justus

Nakuru, Kenya

100% repaid

Entrepreneur

Name

Justus

Member since

November 2012

On-time repayments

226 installments  •  68%

About Me

I am Justus Kyalo Ngemu,I am married with Five children,I am a form four Graduate,I am a businessman,I live with my family at Mwariki Estate in Nakuru county where my wife she is a house wife. I live in a rental place a two bedroom house where I pay $ 48 us dollas. I am the bread winner of my family though I am planning to start a small grocery shop for my wife as I do my tyres business.

I started business in 1998 since my parents were poor there wasn't enough money to continue with my Education but I hard a passion of selling tyres where I was given a soft loan by my uncle where I get a capital that enabled me to start the business. I started doing this business to sustain me and make an extra coin for a living,By this time there was no competition in tyres industry.

Recently I have come out with an Idea of recycling used tyres manualy and replanding them though serves my clients for a short time.hence I sale to my clients at a very low cost,where I have found many clients like them so much.

By doing this business has enabled me to bring up my family as well educate my younger brothers and sisters from my earning as well it has greatly helped me and my family at large.
By doing this business seems to be a unique business before being done by many people made to grow slitely in that particular industry.

My Business

My business name is YATTA TYRES is Located at lower Bedi road opposite Bedi Fibrication Factory in Nakuru box number 14679-20100 Nakuru.It is sole proprietership,It was established May 1998.
It is licenced under single business permit under the municipal council of Nakuru.

My business deals with selling and repair of tyres I sale tyres of deferent types like:- Firestone which is now yana,Gt tyres,Goodyear tyres, Michellin tyres,pirrell tyres ,Ling long,Mashal and Chingshang.

Most of my customers prefer my business because of the services they are offered and as well the my costs are standard.depending on type of tyres they need from lower class to higher class.My business is like a food selling business since people has to go to work and back tother homes they have to use vehicles as well as carts in the farm daily ,though there is more competitors they depends how first I can deliver the services to them.The site where I am located there is no more competitors hence my services to my clients are good,first and reliable all the time,though you can here some complains but not more since there is no perfect person.
My business is prifitable for one I do understand very well the business since is the only business I have been doing since 1998,so have old clients from major firms,industry and some ministries who orders tyres and other services at a larger quantities hence making more profit though some times I don´t meet their needs.

I have a financial risk I started my business with small capital which make me to grow very slow and loose some clients by not meeting all their needs,Technology New technologies, especially those characterized as “paradigm shifts” or “disruptive” have long and costly acceptance cycles, they have run into unpredictable performance or manufacturing problems. Some of tyres are fake hence ends up me going for a loss,also operation risk,Since some of my clients call for door delivery which comes very difficult for me to deliver my services to them in time.

I do meet my smoothly needs in terms of paying house rent,labour and other small work expenses,If I get $2353 Us dollars I will add rims and tubes hence meeting my clients needs as well adding value to my work.My business will grow first to a different level.

Loan Proposal

the loan you are about to give me i will buy the following tyres for my business for adding stock. size (ten rolls)175/70,13 costing $us 56, size (10 rolls)185/70,14 costing $ us dollar 58, etc.
tubes the following sizes (30 rolls)185/70.13 costing 25.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$356.00

Date disbursed

Jul 27, 2015

Repayment status

On Time

Projected term

10 months

Lenders

Zidisha

Sterling, United States

D

duckdork

De Forest, United States

F

flaguy999

Tampa, United States

E

erlingre

Sør-Fron, Norway

MarshFamilyUK

Canterbury, United Kingdom

Mrdressup

Brisbane, Australia

D

Draka

South park, United States

N

nglogic

Warszawa, Poland

90803

Long Beach, United States

Svetlana3k

Harvard, United States

M

mcmathae

Santa Clara, United States

C

christopherttran

Toronto, Canada

J

JacobKate

Brisbane, Australia

JoaoManuel

Santiago Do Escoural, Portugal

M

MatthiasM

München, Germany

somuchjackson

Boston, United States

stroi08

Odense C, Denmark

E

Esseni

Cincinnati, United States

M

mallika

Laguna Niguel, United States

Y

yunfangjuan

Palo Alto, United States

R

raisage

Cote Saint-Luc, Canada

A

Andrea

Berlin, Germany

D

doroncoh

Tel Aviv, Israel

V

VeroCL

montevideo, Uruguay

E

edgrr000

Dallas, United States

C

Catch22

The Colony, United States

B

Budgie81

Norwalk, United States

H

Hal86

Sava, Italy

T

Tessa

Lake Mary, United States

H

haavi

Espoo, Finland

HernanB

Berlin, Germany

E

emilys

Rochester, United States

R

rosebo

Bend, United States

Parkmobile

Fort Bragg, United States

G

Gdrvasc

Frederick, United States

L

Lanny_Walker

Vermilllion, United States

B

Branjsmith

Philadelphia, United States

H

happytrailsjpd

South Bend, United States

M

markus61

cologne, Germany

S

samthewill

Winterthur, Switzerland

S

svt19

Toronto, Canada

D

daylin

Chicago, IL, United States

M

mibrahim51

Mountain View, United States

A

adelias

plymouth, United States

E

emilyeaton

New York, United States

K

ksiebrandt

Omaha, United States

D

dolfan19

Boiling Springs, United States

Namulanda

nairobi, Kenya

M

mueba

Frankfurt, Germany

A

Armeij

Veendam, Netherlands

G

giova

Padova, Italy

D

dmartink

Maryland, United States

G

GreenMoney

Lahr, Germany

A

anson

Alexandria, United States

A

Alizar

Toms River, United States

S

SanderBeckers

Brussel, Belgium

A

AEDCPD

Berlin, Germany

JinxGirl

Winnipeg, Canada

A

akshu71

Ottawa, Canada

T

Texikan

Fort Worth, United States

A

AandCfromCanada

Spruce Grove, Canada

D

dj9812

United States

C

cktsai

United States

M

Morgan1301

United States

L

liseman

United States

C

cindywu

United States

S

Smadori0

United States

T

TheNJBoys

United States

M

Molloy

Moorpark, United States

D

dajja

Stockholm, Sweden

T

topher

United States

E

elhh82

Petaling Jaya, Malaysia

E

EjLehar

Galesburg, United States

A

analyticsPierce

Denver, United States

OP

Old People

Corona Del Mar, United States

L

Leechy

Toronto, Canada

P

Peaches

United States

O

osubucks45

United States

B

bovine

United States

M

Mcohan21

United States

FrancoisGarcia

Montreal, Canada

GiselleF

United Kingdom

Dreamworks.nl

Den Haag, Netherlands

J

juniormint

United States

D

dcktdjc

United States

S

stevemorin

United States

A

adiipienaar

South Africa

A

alazybum

Australia

jonnyhj

Stockholm, Sweden

meryn

The Hague, Netherlands

Paul Buchheit

Mountain View, United States

Z

zdenek

Czech Republic

lauren and jubilee

San Antonio, Texas, Usa, United States

J

jenda

Czech Republic

R

Russell81

United States

B

bvirlet

United States

J

jackdupee

United States

A

ATMiller

United States

R

richardbrewster

United Kingdom

M

mitchmk84

United States

AltruismUSA

Los Angeles, Ca, United States

B

BarbG

United States

J

Jrung

United States

R

RosieWatrs

United States

E

emfagan1

United States

G

gsh589

United Kingdom

L

leftyoctober

Minneapolis, United States

R

ruth11

United Kingdom

T

thenwhen

United States

K

KRose

United States

C

cathyu2crazy

United States

smastermind

Jerusalem, Israel

E

ewaters1

Australia

alrisha11

United States

SimonD

Lincoln, Uk, United Kingdom

E

expatri

United States

C

CraigInCo

United States

Q

qeorge

United States

D

Dowdin

United Kingdom

chriseyre

Fremont, Ca, United States

H

hedyeyre

United States

G

GMB2014

United States

O

OzMonkey

Australia

S

simonthompson99

United Kingdom

S

Sophia20450

United States

AndrewNeu

Ho Chi Minh, Vietnam

J

JonAlec

United States

H

HLCharityFund

United Kingdom

S

spaceandthyme

United States

F

factotums

United States

P

pfeng

United States

Grant Xavier Storer

Seattle, Wa, United States

N

nedenchase

United States

M

me.iulian

Iasi, Romania

J

JamieRobertson

United Kingdom

N

NickiW

United Kingdom

S

StefanB

Stockholm, Sweden

K

Kebrenagast

New York, United States

R

rokbe

Netherlands

Andrew267

Birmingham, United Kingdom

F

Foster

United Kingdom

E

ErinL

United States

J

Jack123

United States

S

SuzanneD

United States

RJ

Ryan J Cotton

United States

Cathy

Melbourne, Australia

Fabian Linzberger

Vienna, Austria

U

Ulrich

Switzerland

MW

Matt Willis

United States

V

VGV

Netherlands

wissam

Jeddah, Saudi Arabia

Paul Buchheit

Mountain View, United States

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

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  • Justus    Feb 5, 2019

    Hi lenders I am wiling to pay all debt please gave me chance I will thanks in advance

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  • Justus    Aug 4, 2017

    Thank you zidisha team and all my lenders, i am happy to let you know that all is well and that i am committed to ensuring that i make prompt repayments on the loan you gave me, thank you once again.

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  • Justus    Jul 24, 2017

    Dear zidisha lenders and the staff, am fine and working out the plan of purchasing tyres, tubes and rims, only that i have not received the full amount from you, i received a portion of the amount last week on Tuesday, the remaining portion is still pending, please assist me get it, thank you.

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  • Justus    Jul 17, 2017

    Thank so much my lenders and zidisha staff for lending me in time, i hereby promise to buy all i promised in my earlier massage.Thank you onces more for being available for my business progress, thanks once again.

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  • Justus    Jul 14, 2017

    Dear lenders, with your loan, i intend to purchase the following items at my shop. 15 car tyres size 185/70/14 each costing 35 dollars, and size 185/70/13 10 pieces each costing 32 dollars and 10 pieces size 195/15 each costing 45 dollars and 24 wheel carbs each set costing 12 dollars which totals 15083 US dollars, the excess dollars i have not requested from you is what i have from my daily sales waiting your loan so that i may proceed with my shop purchases, thanks in advance as you proceed to fund my profile, thank you.

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  • Justus    Jul 10, 2017

    Dear zidisha lenders and the staff, i gladly inform you that i was able to clear my loan in time, this move is meant to be strategically since am forced to make new purchases and i believe you can be of help at the moment, comparing the amount you are giving me and what i had in my pocket, i thought it wise to bring you in and enjoy the benefit of knowing you, i hereby request you to turn again and fund me if possible immediately to enable me proceed with my shop purchases that is mandatory. thanks in advance.

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  • Justus    Jun 30, 2017

    Dear my lenders, its well, business is fine, and am happy to let you know that am likely to clear all my outstanding loan in full any day from today, please be happy to lend me more because i mighty be needing more, thank you and GOD bless you

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  • Justus    May 23, 2017

    Hi lenders, am fine and working hard, just wishing you well and above all informing you that i am doing well.

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  • Justus    Oct 5, 2016

    hi zidisha leaders,
    am very happy for you, the following materials that is Rims, tyres of different size i have purchased with the loan you gave me, the following clip photograph reflects the materials have purchased and are in my business store and showroom display.
    thank you leaders and zidisha administration God bless you and keep you
    yours faithfully
    Justus Ngemu

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  • Justus    Oct 4, 2016

    Hi lenders,
    am very happy for you zidisha leaders and entire lenders team, i received my loan of Kenya shillings------ into two installment, first i received on Sunday by 5am and was ksh.70,000.00 and the second which i received ksh. 6,288.00 by 5am today. i will buy the following items that tyers 185/70,14: 185/70 ,13: 750/16, rims and tubes
    thank you lenders for considering my request and lending me, may God bless you for being there to make my business and increasing it, am happy
    yours faithfully
    Justus Ngemu

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  • Justus    Sep 30, 2016

    thank you leaders for the loan you are about to give me, this loan i will use it to buy the following stock that [175/70,14 ],[185/70,14], [185/70,13].
    this loan will help me to have money to raise for my additional business stock /inventories, which will lead me to make profit, that profit will help me to pay school fees for my children and meet basic family needs.
    thank you for being there and more raising a living standard for my life and business.
    thank you in adverse
    Justus Ngemu

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  • Justus    Sep 21, 2016

    the loan you are about to give me. first i thank you leaders for the previous loan, for sure it helped me: raised my business, my saving.
    the loan you are about to give me i will buy the following tubes 10 roll @ USA dollars 35, rim 20roll each roll at USA dollars 40, tyers 175 by 65 USA dollar 45,75by 15 USA dollars 56, 185by 95 USA dollars 47, 65/14 by13 USA dollars.

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  • Justus    Aug 13, 2016

    greetings leaders am happy for you and willing to help you to reach many especially Kenya rift valley that is nakuru, naivasha ,Gilgil ,subukia, njoro, elbagon, saligaa, Rogai, Solai etc. am willing to be a volunteer mentor
    thank you
    Justus Ngemu

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  • Justus    Jul 13, 2016

    am very happy for you leaders for making my life,business to grow up, my family is happy and my client are happy also as am meeting there demand by supplying them with what they need that Tyres

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  • Justus    Mar 2, 2016

    thank you leaders am going well and my business is still well, i have other friends who are willing to join zidisha can i invite them pls

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  • Justus    Jan 28, 2016

    thank you leaders for your effort and sustainable ability for your great will for raising young business to be as per the solo proprietor vision and dream.
    i have informed more business men and women who are trusted and are busy profit making and business oriented
    your faithfully,
    Justus Ngemu

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  • Justus    Jan 19, 2016

    To: Lenders
    Subject: Credit up to ksh: 150,000.00, due to the purchase order I am planning.
    Hello, Lenders,
    As I had informed you before, I had extended my business. Due to the demand of the my customers and clients, I am planning to purchase the following materials, as per customers demand: tyres, rims, tubes, which are costing Kenyan SHilling 140,000.00. If possible, am requesting this, as I am applying my sincere request to Lenders to led me with the above amount. The photograph is of the tyres which I want to purchase, and I promise to pay the loan faithfully, as before I have been paying.
    Thank you, in advance, for your consideration.
    Justus Ngemu

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  • Justus    Jan 19, 2016

    To: Lenders
    Subject: Credit up to ksh: 150,000.00, due to the purchase order I am planning.
    Hello, Lenders,
    As I had informed you before, I had extended my business. Due to the demand of the my customers and clients, I am planning to purchase the following materials, as per customers demand: tyres, rims, tubes, which are costing Kenyan SHilling 140,000.00. If possible, am requesting this, as I am applying my sincere request to Lenders to led me with the above amount. The photograph is of the tyres which I want to purchase, and I promise to pay the loan faithfully, as before I have been paying.
    Thank you, in advance, for your consideration.
    Justus Ngemu

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  • Justus    Jan 15, 2016

    To: Lenders
    Subject: Credit up to ksh: 150,000.00, due to the purchase order I am planning.
    Hello, Lenders,
    As I had informed you before, I had extended my business. Due to the demand of the my customers and clients, I am planning to purchase the following materials, as per customers demand: tyres, rims, tubes, which are costing Kenyan SHilling 140,000.00. If possible, am requesting this, as I am applying my sincere request to Lenders to led me with the above amount. The photograph is of the tyres which I want to purchase, and I promise to pay the loan faithfully, as before I have been paying.
    Thank you, in advance, for your consideration.
    Justus Ngemu

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  • Justus    Jan 8, 2016

    Happy New Year, Leaders and Lenders!
    Thank you to God for giving us another year of advancement of the business. When I remember and see my business and the busy December I had, the way I was busy to supply my customers with the tyres, tubes, and the Christmas service, I think how the Lenders helped me to raise funds, and how rich my business is now. Wow! This new year, I expect that my business will double the profit and I have faith that I will meet all the customer demand. I thank you also for the next loan I am about to apply for, that when I finish the one I am servicing, will be double, as I have extended my business premises, as customer demand is very high.
    Thank you, in advance.
    Justus Ngemu

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