Loan to Add Airtime Stock and Money Transfer Services to My Shop
Juliana
Kisumu, Kenya
78% repaid
Entrepreneur
Name
Juliana
Member since
February 2015
On-time repayments
42 installments • 48%
About Me
I am 26 years old female student also in business,I come from a family of six (four sisters and a brother)and also an orphan,my parents died when I was 12 years old and I was brought up by my aunt.I have learnt to work hard since then and this has made me reach where I am today.I stay in a small room at Tom Mboya estate where I pay about 30 US Dollars for rent.I have done the business for 2 year now .I go for my parttime classes at Maseno University where I study business management.The unique thing about the land and culture where i live is that the land is so fertile and has alot of fish we get from lake Victoria. My hobbies are travelling,reading and making friends.
My Business
I offer sales of sodas,wines&spirits,phone accessories and phone charging services at my shop based in Kisumu main stage.The reason why customers prefer my shop is that i offer affordable prices on my products and also offer after sale services to customers especially those who purchase phone accessories we offer to replace the item they have bought to the phone freely.This attracts more customers to my shop as compared to others. At the moment, the challenge am facing is lack of airtime to sell to my customers and putting up mobile money transfer services in my shop. I would like to stock airtime and put mobile money transfer service. From sales of my products I make about 48 US Dollars per week and this makes it about 190 US Dollars per month. I have also hired a boy who assists me in the shop especially when am away briefly and when one purchases phone accessory ,he fixes it on the customers phone.I pay him 30 US Dollars per month depending on how sales is in a particular month. If granted a loan by Zidisha,I will be able to achieve more and raise more money from sales of airtime and mobile money transfer service hence this will leave me with good profit to repay my Zidisha loan and save.Airtime will give me approximately 25 US Dollars per month while mobile money transfer can give me about 100 US Dollars per month,I did this research from a cousin who has been in this business for over 6 years now.
Loan Proposal
I offer sale of sodas,phone accessories and phone charging services at my shop based in Kisumu main stage.The reason why customers prefer my shop is that i offer affordable prices on my products and also offer after sale services to customers especially those who purchase phone accessories we offer to replace the item they have bought to the phone freely.This attracts more customers to my shop as compared to others. At the moment, the challenge am facing is lack of airtime to sell to my customers and putting up mobile money transfer services in my shop. I would like to stock airtime and put mobile money transfer service. From sales of my products I make about 48 US Dollars per week and this makes it about 190 US Dollars per month. I have also hired a boy who assists me in the shop especially when am away briefly and when one purchases phone accessory ,he fixes it on the customers phone.I pay him 30 US Dollars per month depending on how sales is in a particular month. If granted a loan by Zidisha,I will be able to achieve more and raise more money from sales of airtime and mobile money transfer service hence this will leave me with good profit to repay my Zidisha loan and save.Airtime will give me approximately 25 US Dollars per month while mobile money transfer can give me about 100 US Dollars per month,I did this research from a cousin who has been in this business for over 6 years now.
Feedback
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Loan Info
Project Type
Classic Loan
Disbursed amount
$100.00
Date disbursed
Feb 23, 2015
Repayment status
Late
Projected term
10 months
Lenders
Dhahran, Saudi Arabia
College Station, United States
Omaha, United States
Jake Gibson and Beverly Picardo
San Francisco, United States
Summary
Amount repaid
$83.73
Amount remaining
$22.98
Expected completion
Dec 27, 2015
Status
Repaying late
Installment amount
$2.22
Repayment History
| Expected Payments | Actual Payments | ||
|---|---|---|---|
| Mar 8, 2015 | $5.16 | Mar 9, 2015 | $5.16 |
| Mar 15, 2015 | $5.16 | Mar 18, 2015 | $5.16 |
| Mar 22, 2015 | $5.16 | Mar 24, 2015 | $5.16 |
| Mar 29, 2015 | $5.16 | Apr 1, 2015 | $5.16 |
| Apr 5, 2015 | $0.00 | ||
| Apr 12, 2015 | $2.22 | Apr 15, 2015 | $2.22 |
| Apr 19, 2015 | $2.22 | Apr 15, 2015 | $1.67 |
| Apr 23, 2015 | $0.56 | ||
| Apr 26, 2015 | $2.22 | Apr 23, 2015 | $2.22 |
| May 3, 2015 | $2.22 | Apr 23, 2015 | $1.67 |
| May 24, 2015 | $0.56 | ||
| May 10, 2015 | $2.22 | May 24, 2015 | $2.22 |
| May 17, 2015 | $2.22 | May 24, 2015 | $1.67 |
| Jun 3, 2015 | $0.56 | ||
| May 24, 2015 | $2.22 | Jun 3, 2015 | $2.22 |
| May 31, 2015 | $2.22 | Jun 3, 2015 | $1.67 |
| Jul 4, 2015 | $0.56 | ||
| Jun 7, 2015 | $2.22 | Jul 4, 2015 | $2.22 |
| Jun 14, 2015 | $2.22 | Jul 4, 2015 | $2.22 |
| Jun 21, 2015 | $2.22 | Jul 4, 2015 | $2.22 |
| Jun 28, 2015 | $2.22 | Jul 4, 2015 | $1.67 |
| Jul 4, 2015 | $0.56 | ||
| Jul 5, 2015 | $2.22 | Jul 4, 2015 | $1.67 |
| Jul 15, 2015 | $0.56 | ||
| Jul 12, 2015 | $2.22 | Jul 15, 2015 | $2.22 |
| Jul 19, 2015 | $2.22 | Jul 15, 2015 | $1.67 |
| Aug 7, 2015 | $0.56 | ||
| Jul 26, 2015 | $2.22 | Aug 7, 2015 | $2.22 |
| Aug 2, 2015 | $2.22 | Aug 7, 2015 | $2.22 |
| Aug 9, 2015 | $2.22 | Aug 7, 2015 | $0.56 |
| Sep 9, 2015 | $1.67 | ||
| Aug 16, 2015 | $2.22 | Sep 9, 2015 | $2.22 |
| Aug 23, 2015 | $2.22 | Sep 9, 2015 | $1.67 |
| Oct 3, 2015 | $0.56 | ||
| Aug 30, 2015 | $2.22 | Oct 3, 2015 | $2.22 |
| Sep 6, 2015 | $2.22 | Oct 3, 2015 | $2.22 |
| Sep 13, 2015 | $2.22 | Oct 3, 2015 | $2.22 |
| Sep 20, 2015 | $2.22 | Oct 3, 2015 | $2.22 |
| Sep 27, 2015 | $2.22 | Oct 3, 2015 | $1.33 |
| Oct 19, 2015 | $0.89 | ||
| Oct 4, 2015 | $2.22 | Oct 19, 2015 | $2.22 |
| Oct 11, 2015 | $2.22 | Oct 19, 2015 | $0.89 |
| Dec 2, 2015 | $1.33 | ||
| Oct 18, 2015 | $2.22 | Dec 2, 2015 | $2.22 |
| Oct 25, 2015 | $2.22 | Dec 2, 2015 | $0.89 |
| Nov 1, 2015 | $2.22 | ||
| Nov 8, 2015 | $2.22 | ||
| Nov 15, 2015 | $2.22 | ||
| Nov 22, 2015 | $2.22 | ||
| Nov 29, 2015 | $2.22 | ||
| Dec 6, 2015 | $2.22 | ||
| Dec 13, 2015 | $2.22 | ||
| Dec 20, 2015 | $2.22 | ||
| Dec 27, 2015 | $3.87 | ||
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