Loan for sewing machine and school fees for my daughter

Mary

Githurai, Kenya

56% repaid

Entrepreneur

Name

Mary

Member since

March 2014

On-time repayments

172 installments  •  50%

About Me

My names are Mary Kibe. I was born in 1969 in Gatundu division, which is located in Kiambu County. I am a mother of two children, Elvys Murai, 12, and Angela Mashirima, 14. Currently, the two kids are in boarding school: one is in high school form two and the other is in class 6.

I live in Githurai city, a small town outside the outskirts of Nairobi. It’s a ten-minute drive from the capital city. I work in Nairobi city at a company known as Bpupco Limited, a company that deals with textile materials. It's located along Kirinyaga road in a building called Duberi. In this company I act as office administrator and also a marketer.

Four years down the line, it was fortunate that I separated with my husband for neglecting his duties. This really affected my life and I had to look for other means to bring up my children. With the little savings I had gathered by the time, I invested in buying bulk linen cloth from our company. The materials were tailored to small dozen of liners and after my job I would distribute the liners in nearby hospital shops and supermarkets. I am privileged to say that, from this humble beginning, I am now the main distributor of liners to big supermarkets at Githurai, the supermarket known as Kassmatt supermarket.

From my salary and income I have had from this investment, I have been in a position to cater enough for my kids, pay labour services to the tailors, and I am left with enough cash as my profit. One challenge that normally occurs is that sometimes linen materials go out of stock from the company, thus not meeting the demand of my customers. Other challenge is when I supply the products to customers who don’t pay promptly. Sometimes it take a month for them to clear, which makes work slow.

My Business

Despite being employed, I started my business four years ago of distributing liner cloth in dozens of baby shops and supermarkets. I distribute in wholesale and also in retail to individuals. I make these supplies during the evening hours and during the weekend as during the normal day I am at my job. Sometimes, when I am so busy, I am helped by my house girl to make the distribution and collection of money, as I have trusted her for the time we have worked together.

Apart from the challenges I had mentioned above, I am sometimes challenged by too many orders, which I cannot fulfill because the finance for the stock is not enough. My customers like my products because they are of good quality and not too expensive for a common man. However, it’s a profitable business: sometimes I earn $230 US. With this income, I believe I have a target to hit and big dreams to achieve. In cases when I may be not in a position to repay a loan whatsoever, I will have a good backup of my salary from my job.

Loan Proposal

It's my hope that this loan proposal will reach to lenders when fit and good. I am glad for the last three loans you have given to me: they have been very productive as they have really changed my life. I understood it has taken me a long while before applying for another loan since i fully repaid my loan. The reason behind this was because I had to make plans of how I had to use this loan. After my budgeting, this is the plan I have for this loan.

1. 60% of this loan I am going to use to purchase a new sewing machine, for I am intending to employ another staff member who will be using it. It will also play a part whenever there is a breakdown of the other sewing machine. I will count this as a plus advantage because sometimes the demands tend to be high, and therefore with a new machine I am sure I will be in a position to meet my customers' demands. My demand has risen because I was given a tender by a newly opened supermarket at Thika called Wanjumatt, and I am now their supplier for liner clothing.
2. 30% of the next loan i will put it to my daughters education, she school at a national school in westen called lugulu girls , i believe there is nothing important like investing in education and there urge you my lenders to fund me with the loan to maintain my girl at school, as you can see from my photos i have uploaded her photos at schoool during the visiting days.
3. 10% of the remaining loan will meet other expenses such paying for single business permit as we normally renew it during the month of march.

thanks alot as you fund my loan proposal. God bless you

Show original English  

About Me

My names are mary kibe, I was born in 1969 in Gatundu division which is located in Kiambu county am a mother of two children , elvys Murai 12 and Angela mashirima 14. Currently the the two kids are in boarding school one is in high school form two and the other is in class 6. I live in Githurai city, a small town outside the outskirts of Nairobi it’s a ten minute drive distance from the capital city. I work in Nairobi city at company known as Bpupco Limited a company that deals with textile materials its located along Kirinyaga road on abuiliding called duberi,in this company I act as office administrator and also a marketer.Four years down the line Its was fortunate that I separated with my husband for neglecting his duties . this really affected my life and I had to look for other means to bring up my children, with the little savings I had gathered by the time, I invested in buying a bulk linen cloth from our company , the materials were tailored to small dozen of liners and after job I would distribute the liners in nearby hospital shops and supermarkets, am priveledged to say that from this humble beginning am now the main distributer of liners to big supermarkets at githurai, the supermarket are known as Kassmatt supermarket. From my salary and incomes I have had for this investment, I have been in a position to cater enough for my kids, pay labour services to the tailors and am left with enough cash as my profit. Challenges that normally occur is that sometimes linen materials go out of stocks from the company thus not meeting the demand of my customers. Other challenge is that when I supply the products to customers who don’t pay promptly. Sometimes it take a month for them to clear which makes work slow.

My Business

despite being employed I started my business four years ago of distributing liner cloth in dozens to baby shops and supermarkets I distribute in wholesale and also in retails to individuals. I make this supplies during the evening hours and during the weekend as during the normal day am at job. Sometimes when am so busy am helped by my house girl to make the distribution and collection of money as I have trusted her for the time we have worked together. Apart from the challenges I had mentioned above, am sometimes challenged by too many orders which I cannot fulfill because the finance for the stock is not enough. My customers like my products because they are of good quality and not too expensive for a common man. Though it’s a profitable business sometimes I earn 230 US $ . with this income I believe I have target to hit and big dreams to achieve. In cases I may be not in a position to re pay a loan whatsoever I will have a good back up of my salary from my job.

Loan Proposal

its my hope that this loan proposal will reach to lenders when fit and good, am glad for the last three loans you have given to me they have been very productive as they have really changed my life, i understood it has taken me a long while before applying for another loan since i fully repaid my loan. reason behind this was because i had to make plans of how i had to use this loan. after my budgetting this is the plan i have for this loan
1. 60% of this loan am going to use it to purchase a new sewing machine for i am intending to employ another staff who will be using it, it will also play part whenever there is a breakdown of the other sewing machine, i will count this as a plus advantage because sometimes the demand tend to be high, and therefore with a new machine i am sure i will be in a position to meet my customers demand, my demand has risen because i was given a tender by a newly opened supermarket at thika called wanjumatt located in thika , am now their supplier for liner clothing
2. 30% of the next loan i will put it to my daughters education, she school at a national school in westen called lugulu girls , i believe there is nothing important like investing in education and there urge you my lenders to fund me with the loan to maintain my girl at school, as you can see from my photos i have uploaded her photos at schoool during the visiting days.
3. 10% of the remaining loan will meet other expenses such paying for single business permit as we normally renew it during the month of march.

thanks alot as you fund my loan proposal. God bless you

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Loan Info

Project Type

Classic Loan

Disbursed amount

$419.00

Date disbursed

Mar 30, 2015

Repayment status

Late

Projected term

30 months

Lenders

mbunifu

San Jose, United States

S

SeeBiscuit

Reston, United States

NhinSD

San Diego, United States

Lawrence J

Winnipeg, Canada

T

Tallago3

Munich, Germany

BethaniK

Washington, United States

Zidisha

Sterling, United States

AnnaChristina

Pittsburgh, United States

M

mogensh

København V, Denmark

R

rmacaw

Australia

gr8ful

Syracuse, United States

M

mason243

Denver Colorado, United States

B

briansedz

Canton, Ohio, United States

O

OneSummer

Muenster/Westphalia, Germany

J

jasonbronowitz

Tempe, United States

Sombreronick

Mainz, Germany

chrsve46

Stockholm, Sweden

Myrar

Aarau, Switzerland

Blosoya

Washington, DC, United States

Jouni

Finland

AdvancingCompassion

San Diego, United States

N

nanax005

SALEM, United States

I

ivanill

Lansing, United States

S

silsley

Cheltenham, United Kingdom

dhulsterwim

LIER, Belgium

P

PetrusR

balmoral, Australia

E

eboleaga

Mexico City, Mexico

R

Rachel

Vernon, Canada

postnihilist

Honolulu, United States

C

Caalve

Bratislava, Slovakia

D

dannimw

Victoria BC, United Kingdom

T

TurgayAlihos

SOUTHBANK, Australia

JTShorty

Gorham, Maine, United States

M

Marod

Edmonton, Canada

F

Fish42

Fairfax Station, United States

Delphis2k

Birmingham, United Kingdom

B

bonndan

Bonn, Germany

C

CTAustralia

Caboolture South, Australia

Parkmobile

Fort Bragg, United States

B

Branjsmith

Philadelphia, United States

S

skohli

san francisco, United States

H

happytrailsjpd

South Bend, United States

B

BearLa

Indianapolis, United States

M

mibrahim51

Mountain View, United States

E

emilyeaton

New York, United States

K

ksiebrandt

Omaha, United States

A

Armeij

Veendam, Netherlands

D

dmartink

Maryland, United States

G

GreenMoney

Lahr, Germany

A

anson

Alexandria, United States

T

Texikan

Fort Worth, United States

L

liseman

United States

E

EjLehar

Galesburg, United States

S

sparty0410

Chicago, United States

C

chrishol

United States

O

osubucks45

United States

Aaron85

Knoxville, United States

J

Jonas

Linköping, Sweden

E

electrolite

United States

A

adiipienaar

South Africa

D

DanielH

United States

H

Heroofcanton

United States

F

FSO

Canada

A

ATMiller

United States

M

mitchmk84

United States

E

ElsieHoward

United States

L

leftyoctober

Minneapolis, United States

atallman

London, United Kingdom

C

CraigInCo

United States

mepster

San Francisco, Ca, United States

L

Linda

United States

VK

Vasily Kudrin

Moscow, Russia

Q

qeorge

United States

D

Dowdin

United Kingdom

chriseyre

Fremont, Ca, United States

H

hedyeyre

United States

G

GMB2014

United States

Kmc138

United States

S

simonthompson99

United Kingdom

S

Sophia20450

United States

AndrewNeu

Ho Chi Minh, Vietnam

B

blambert

United States

G

ghimeu

Malaysia

A

araali

United States

J

JonAlec

United States

D

Desteli

United States

H

HLCharityFund

United Kingdom

T

tehmle

United States

T

Tim47

United States

S

satheajay

United States

M

MarkA

United Kingdom

G

Gfunkey

United States

adrianz

United States

Andrew267

Birmingham, United Kingdom

P

Paul

United States

S

seanos

Nottingham, United Kingdom

AKWatson3

Norwalk, United States

T

Tony1

Australia

P

Pinkhobgoblin

United Kingdom

B

brothasmith

United States

RJ

Ryan J Cotton

United States

J

Joe

United States

Peter R

Fulda, Germany

Matthias

Frankfurt Am Main, Germany

E

Erich

Zurich, Switzerland

D

Doug

Baltimore, United States

J

Joshua

United Kingdom

K

kelsey

United States

Cathy

Melbourne, Australia

Fabian Linzberger

Vienna, Austria

DR

Derek R

Australia

WH

Walter Hill

United States

Dominik Wagner

Karlsruhe, Germany

S

SMerchant

Jeddah / Pune, Romania

GN

Gabriel N

Switzerland

JG

Jake Gibson and Beverly Picardo

San Francisco, United States

Ask Mary 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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  • Mary    Sep 19, 2022

    I will comfortably be paying kshs. 500 per month without straining.

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  • Mary    Jun 10, 2020

    Lewis
    I have started paying from this year. business doing well despite covid -19. hope to continue with the trend.
    Regards

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  • Lewis    Oct 24, 2018

    mary kibe has started making her payments, this is a good move

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  • Mary    Oct 19, 2018

    I have been having financial constraint but now i will be sending 500= per month

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  • Mary    Jan 22, 2016

    happy new year zidisha

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  • Mary    Jul 6, 2015

    thanks Zidisha. my business still doing well and expecting to increase more on stock though the dollar rate is too high and especially when buying the material. otherwise so far so good.

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  • Mary    Apr 12, 2015

    I would like to reduce my rate of payment for a short period of time so that i can give room for a fruitful growth of my investment. Still i will keep updating you on my activities about business

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  • Mary    Apr 2, 2015

    I received 38,255=00 on 31/03/2015 and I take this opportunity to thank Zidisha for the loan. I will now be able to buy an extra over lock machine to ease work and provide orders in time.

    Happy easter

    Mary Kiber

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  • Mary    Mar 26, 2015

    am eagerly waiting for my loan to buy two sewing machine for my work. orders have started increasing. Thank u

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  • Mary    Mar 18, 2015

    After I get the loan am expecting to add more sewing machine to ease work for my nappy liners. Thank you.

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  • Mary    Mar 18, 2015

    Thank you Zidisha. Am able to repay my loan and looking forward to be granted another one which I will add my stock and pay school fees for my children. Expecting my business to expand and be a wholesaler. Asante

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  • Mary    Mar 5, 2015

    Thanks zidisha. with the help of the loan granted to me. I have been able to repay and looking forward to apply another one to increase stock and be able to education my two kids. Once again, A BIG THANK YOU ZIDISHA!!!!!

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  • Mary    Feb 14, 2015

    Still Going on well with my business and am glad am about to pay my loan in full. My intention is to borrow more money for more expansion. Thank you zidisha for the job well done!!

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  • Mary    Jan 20, 2015

    G138LV375 KSHS. 3,000.00 FOR ACCOUNT 0721-512140 ON 19/01/2014 AT 12.54 PM IS NOT REFLECTING.

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  • Lewis    Jan 14, 2015

    hi lenders i have confirmed with mary kibe that she will send her money as soon as possible.
    lewis njau
    (V.M)

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  • Mary    Dec 25, 2014

    hi zidisha i sent yu 2000 and yu hav not credited my account, whats wrong ???

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  • Lewis    Dec 12, 2014

    hi zidisha, mary kibe made her remittance and i confirmed it, i will still check on her to check how much she sent
    regards
    lewis njau

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  • Lewis    Nov 10, 2014

    hi lenders, i spoke with mary kibe and she promised that very soon she will remmit some amount of money, she is doing very well in her business
    regards
    lewis njau

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  • Mary    Sep 11, 2014

    Thanx zidisha for your loan. without you I won't be whom I am. Asante

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  • Mary    Sep 3, 2014

    Still going well with business though some finances were consumed by the school fees. though I know in a months business will pick up. Thank you zidisha.

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