Loan to purchase an automatic egg incubator

John Thiaro

Nakuru, Kenya

100% repaid

Entrepreneur

Name

John Thiaro

Member since

May 2015

On-time repayments

292 installments  •  68%

About Me

This is my 3rd Zidisha loan funding attempt.
Well, am not entirely new to the Zidisha family, but I will introduce myself once again for the new Zidisha members. I am Kenyan by nationality and my names are John Thiaro. I come from Kenya which is famous for the world-renowned athletes Joyce Chepchumba, Paul Tergat, Vivian Cheruiyot, Philip Boit and many others who have won numerous awards internationally like the Boston marathon, Olympics and so forth.

I was born and raised up in a town known as Nakuru which is approximately 125 miles from our capital city of Nairobi. Nakuru is the 4th largest town in Kenya.

We are a family of 8, 5 brothers and 3 sisters. My parents are retired police officers, but my father passed on in 2010.

I am the 6th born in our family and the youngest amongst the boys (or men if you like as we are all grown up).

I have a family that who include my loving wife Mercy and 2 daughters and a boy. Kathy - 7 years, Emilly - 5 years and Jerry - 7 months.

I am very passionate about nature and conservation and I love wildlife safaris, am a trained safari-guide and have worked in several of our wildlife conservation areas such as Maasai Mara and other parks. Ornithology is a hobby I dearly love and enjoy.

My Business

Currently, my main business is keeping of chicken both for meat - broilers, and for eggs layers. The chicken for eggs are both hybrid and free-range chicken as the my customers love both of this varieties.

I want to become a broker for chicken eggs and chicken meat to be supply to hotels, schools and large institutions.

Due to the rapid expansion of my business, I bought a Motorbike with my 5th Zidisha loan. This has really assisted my business as I got to supply my products where I previously could not be able to.

My profits have since increased by more than 70% and am very very grateful to all Zidisha lenders. My families lifestyle has changed for the better and each new day is a blessing to us.

I am able to pay our 2 children's school fees, cloth and cater for their day to day effortlessly because of my business whose foundation is Zidisha!

As I had informed you earlier, the expansion of my chicken and eggs supply as has made me have about triple the number of customers I had when I started this business. With the availability of the van, I will easily be able to offer chicken products in a diversified market at a more competitive price than that of other business-men in the same work.

This has necessitated me to not only source the products from my farm but also outsource from other farmers as I cannot cope with the high demand.

This is the reason, I was planning that with the able and good Zidisha lenders, I will make this a reality by purchasing a station wagon or van if you like. The most popular in my country are Toyota Probox or Toyota Succeed. This a hardy vehicle which is relatively cheaper than other models and consumes very little fuel.

The vehicle's maintenance is low and when you fold the rear seat, I will be able to supply my goods to various hotels in town and the outskirts of my town.

I will then resell the motorbike and add a little of my savings towards achieving this goal.

Loan Proposal

Hallo to all the Zidisha Team and all the lenders. I am very happy beyond what words can express to let you know that I have just completed paying my third (3rd) loan for buying a water tank.

The water tank has been of tremedous benefit for me and my family as this enabled us to collect safe drinking water at an arm's length. This obviously reduced the waterborne diseases like diarrhea and cholera.

The second and most important was that my poultry business improved because at no time did my chicken lack water. This in turn increased the number of eggs/birds and the growth rate was very fast and I was able to make more profits.

I had projected that I wanted to have about 300 chickens by the end of 2016 but, I would like to report that by June 2016 I had 420 mature chickens and lots of chicks. I therefore collect approximately 8 trays (240 eggs) of fertilized eggs on a daily basis.

Most of my customers have been asking why I do not sell them chicks as they would like to emulate my project.

This has therefore made me to request my fourth (4th) loan for the purchase of an Automatic Egg Incubator. This is to make my business an All Round One Stop Shop for Poultry from eggs, chicks and chicken meat.

Most of the eggs are bought by customers out of town for consumption and incubation. The rest, I normally hire an incubator and after hatching them, I sell one chick at $1 as opposed to selling 5 eggs at $1.

However if I get a loan from Zidisha, I will have economics of scale and be able to sell most of my eggs as chicks which is value addition, depending on the market forces, this will be a profitable business.

The type of incubator that I intend to buy is the 1056 Automatic Eggs Incubator. The number 1056 is the number of it's capacity of eggs but you only keep about 176 for one row or 352 eggs for two rows every week. This incubator adjusts it's humidity, temperature, turn eggs and you can be having chicks on a weekly basis depending on your customer demands.

After I acquire this incubator, I will now venture into another project; as the saying goes you do not keep all your eggs in one basket!

I therefore take this opportunity to kindly request all the lenders to extend your generous hand and lead me the loan of $800.

The loan break-down is as follows:-

1. Cost of Incubator...........................................$700
2. Electrical wiring,switch and socket..........................$80
3. Miscellaneous expenses........................................$30

TOTAL:.........................................................$810

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Loan Info

Project Type

Classic Loan

Disbursed amount

$827.00

Date disbursed

Aug 22, 2016

Repayment status

On Time

Projected term

9 months

Cost to entrepreneur

Service fee: $34.06

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