Loan for sheeps and goats for resale

Benard

Kabazi, Kenya

100% repaid

Entrepreneur

Name

Benard

Member since

June 2016

On-time repayments

98 installments  •  72%

About Me

I grew up in Nakuru within the Rift Valley province in Kenya. I am married with two kids who are in lower primary school. I do farming in Kabazi in Nakuru. I have not specialised in a cash crop or livestock but I do bits in both. I believe in hard work, and every morning to me is an opportunity to grow and learn. My wife is a house wife and we assist one another in farming.

I had, after completing school, decided to take a course in Tours and Travel at the Amboseli Training Institute. With the certificate I have, I looked for a job in vain. I tried my hand in farming and realised that farming can be paying.

Having seen this opportunity with Zidisha, I have decided to try and see whether I can empower myself economically. This is the reason today I am applying to join Zidisha with long-term goals. I was to create good rapport with lenders, and once this is done maybe they will be willing to grant me a large loan after a year or so, through which I will invest in farming.

My Business

I am a farmer and I also own a motorbike. From time to time, I offer transport using the motorbike, particularly in the evenings, where I earn considerable income. Mostly I plant maize and beans on a yearly basis.

The challenge here is that, upon planting, it takes about 6 months to harvest beans and about 9 months to harvest maize. This makes my income not consistent. I have looked for other ways of overcoming this, and I also keep sheep and sell them upon maturity. I also offer transport during my free time to supplement my income. This has ensured that at least I have a steady flow of income to the end of the year, when I sell the maize after harvest. In a month, my income is about Ksh 15,000 ($144 USD) in net, and this is what I use for family upkeep and paying fees for my kids.

Loan Proposal

With my third loan, I do plan to purchase sheeps and goats for selling after some time. This has been a profitable venture since a time like this we are approaching December holidays the demand is high and will continue rising as time goes. From experience, I have seen that when I buy large number, I will be able to maximise profits by rearing them for a while before I dispose them at profit. I will be purchasing about 10 of them at an estimated cost of USD 45 and after a while will sell them with a reasonable profit margin.

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About Me

Management Summary
Steve Extractor got his undergraduate degree in biology from Case Western Reserve. While at Case, Steve knew he wanted to practice health care but was unsure of exactly what. Toward the end of his years at Case, Steve discovered his interest in dentistry.

Several years later Steve became a graduate of The Ohio State University College of Dentistry. Steve knew that he did not want to live in Ohio for the rest of his life so he immediately upon graduating moved out to Oregon, a state that he was always fond of due to its natural beauty. The first four months were difficult to make contacts and find a job, but Steve eventually landed a job in an eight person firm doing general dentistry.

My Business

The following are the required start-up costs:

The purchase of Dan Jokerdoc D.D.S.' private practice. The purchase includes the patient list, office space, front chair and desk, two dental chairs, two light systems, fully-equiped sterilization room, compression air system with a suction unit, x-ray unit, mirrors, and a phone system. This practice has been valued by the following variables: equipment, office space already built for a dentist, goodwill, and future revenue streams. The equipment has been valued at $30,000, $15,000 for tenant improvements on the office space, the patient list at $5,000 and $25,000 for future profitability. The entire practice was sold for $65,000 because Dr. Jokerdoc was in need of quick cash. Statistical studies have shown that patients that are made comfortable are likely to stay with the new doctor when a practice is sold. This will help with cash flow, minimizing the amount of start-up cash. The bulk of the equipment needed will procured through the purchase of the practice, however, there is a lot of equipment that will be needed to be purchased separately.

Loan Proposal

With my third loan, I do plan to purchase sheeps and goats for selling after some time. This has been a profitable venture since a time like this we are approaching December holidays the demand is high and will continue rising as time goes. From experience, I have seen that when I buy large number, I will be able to maximise profits by rearing them for a while before I dispose them at profit. I will be purchasing about 10 of them at an estimated cost of USD 45 and after a while will sell them with a reasonable profit margin.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$360.00

Date disbursed

Nov 6, 2016

Repayment status

On Time

Projected term

62 months

Lenders

Krtecek

Balzers, Liechtenstein

S

SvenWaage

Stavanger, Norway

djkmoran

United States

ExplorerOz

Sydney, Australia

PG

Paul Graham

United States

Stephan W

Witten, Germany

The Zinc Team

San Francisco, United States

Humble Bundle Community

San Francisco, United States

A

Anonymous

United States

A

Anonymous

United States

Paul Buchheit

Mountain View, United States

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Summary

Amount repaid

$359.65

Amount remaining

$0.00

Date repaid

Jul 3, 2017

Status

Fully repaid

Repayment History

Expected Payments Actual Payments
Nov 13, 2016 $3.02 Nov 13, 2016 $1.01
Nov 19, 2016 $1.01
Nov 27, 2016 $1.01
Nov 20, 2016 $0.00
Nov 27, 2016 $0.00
Dec 4, 2016 $1.01 Dec 7, 2016 $1.01
Dec 11, 2016 $0.00
Dec 18, 2016 $0.00
Dec 25, 2016 $1.01 Dec 24, 2016 $1.01
Jan 1, 2017 $1.01 Jan 6, 2017 $1.01
Jan 8, 2017 $1.01 Jan 10, 2017 $1.01
Jan 15, 2017 $1.01 Jan 16, 2017 $1.01
Jan 22, 2017 $1.01 Jan 25, 2017 $1.01
Jan 29, 2017 $1.01 Jan 30, 2017 $1.01
Feb 5, 2017 $1.01 Feb 6, 2017 $1.01
Feb 12, 2017 $1.01 Feb 14, 2017 $1.01
Feb 19, 2017 $1.01 Feb 21, 2017 $1.01
Feb 26, 2017 $1.01 Mar 2, 2017 $1.01
Mar 5, 2017 $1.01 Mar 6, 2017 $1.01
Mar 12, 2017 $1.01 Mar 12, 2017 $1.01
Mar 19, 2017 $1.01 Mar 23, 2017 $1.01
Mar 26, 2017 $1.01 Mar 29, 2017 $1.01
Apr 2, 2017 $1.01 Apr 7, 2017 $1.01
Apr 9, 2017 $1.01 Apr 9, 2017 $1.01
Apr 16, 2017 $1.01 Apr 18, 2017 $1.01
Apr 23, 2017 $1.01 Apr 27, 2017 $1.01
Apr 30, 2017 $1.01 May 3, 2017 $1.01
May 7, 2017 $1.01 May 9, 2017 $1.01
May 14, 2017 $1.01 May 16, 2017 $1.01
May 21, 2017 $1.01 May 20, 2017 $1.01
May 28, 2017 $1.01 May 28, 2017 $1.01
Jun 4, 2017 $1.01 Jun 5, 2017 $1.01
Jun 11, 2017 $1.01 Jun 12, 2017 $1.01
Jun 18, 2017 $1.01 Jun 19, 2017 $1.01
Jun 25, 2017 $1.01 Jun 26, 2017 $1.01
Jul 2, 2017 $1.01 Jul 2, 2017 $1.01
Jul 9, 2017 $1.01 Jul 3, 2017 $1.01
Jul 16, 2017 $1.01 Jul 3, 2017 $1.01
Jul 23, 2017 $1.01 Jul 3, 2017 $1.01
Jul 30, 2017 $1.01 Jul 3, 2017 $1.01
Aug 6, 2017 $1.01 Jul 3, 2017 $1.01
Aug 13, 2017 $1.01 Jul 3, 2017 $1.01
Aug 20, 2017 $1.01 Jul 3, 2017 $1.01
Aug 27, 2017 $1.01 Jul 3, 2017 $1.01
Sep 3, 2017 $1.01 Jul 3, 2017 $1.01
Sep 10, 2017 $1.01 Jul 3, 2017 $1.01
Sep 17, 2017 $1.01 Jul 3, 2017 $1.01
Sep 24, 2017 $1.01 Jul 3, 2017 $1.01
Oct 1, 2017 $1.01 Jul 3, 2017 $1.01
Oct 8, 2017 $1.01 Jul 3, 2017 $1.01
Oct 15, 2017 $1.01 Jul 3, 2017 $1.01
Oct 22, 2017 $1.01 Jul 3, 2017 $1.01
Oct 29, 2017 $1.01 Jul 3, 2017 $1.01
Nov 5, 2017 $1.01 Jul 3, 2017 $1.01
Nov 12, 2017 $1.01 Jul 3, 2017 $1.01
Nov 19, 2017 $1.01 Jul 3, 2017 $1.01
Nov 26, 2017 $1.01 Jul 3, 2017 $1.01
Dec 3, 2017 $1.01 Jul 3, 2017 $1.01
Dec 10, 2017 $1.01 Jul 3, 2017 $1.01
Dec 17, 2017 $1.01 Jul 3, 2017 $1.01
Dec 24, 2017 $1.01 Jul 3, 2017 $1.01
Dec 31, 2017 $1.01 Jul 3, 2017 $1.01
Jan 7, 2018 $1.01 Jul 3, 2017 $1.01
Jan 14, 2018 $1.01 Jul 3, 2017 $1.01
Jan 21, 2018 $1.01 Jul 3, 2017 $1.01
Jan 28, 2018 $1.01 Jul 3, 2017 $1.01
Feb 4, 2018 $1.01 Jul 3, 2017 $1.01
Feb 11, 2018 $1.01 Jul 3, 2017 $1.01
Feb 18, 2018 $1.01 Jul 3, 2017 $1.01
Feb 25, 2018 $1.01 Jul 3, 2017 $1.01
Mar 4, 2018 $1.01 Jul 3, 2017 $1.01
Mar 11, 2018 $1.01 Jul 3, 2017 $1.01
Mar 18, 2018 $1.01 Jul 3, 2017 $1.01
Mar 25, 2018 $1.01 Jul 3, 2017 $1.01
Apr 1, 2018 $1.01 Jul 3, 2017 $1.01
Apr 8, 2018 $1.01 Jul 3, 2017 $1.01
Apr 15, 2018 $1.01 Jul 3, 2017 $1.01
Apr 22, 2018 $1.01 Jul 3, 2017 $1.01
Apr 29, 2018 $1.01 Jul 3, 2017 $1.01
May 6, 2018 $1.01 Jul 3, 2017 $1.01
May 13, 2018 $1.01 Jul 3, 2017 $1.01
May 20, 2018 $1.01 Jul 3, 2017 $1.01
May 27, 2018 $1.01 Jul 3, 2017 $1.01
Jun 3, 2018 $1.01 Jul 3, 2017 $1.01
Jun 10, 2018 $1.01 Jul 3, 2017 $1.01
Jun 17, 2018 $1.01 Jul 3, 2017 $1.01
Jun 24, 2018 $1.01 Jul 3, 2017 $1.01
Jul 1, 2018 $1.01 Jul 3, 2017 $1.01
Jul 8, 2018 $1.01 Jul 3, 2017 $1.01
Jul 15, 2018 $1.01 Jul 3, 2017 $1.01
Jul 22, 2018 $1.01 Jul 3, 2017 $1.01
Jul 29, 2018 $1.01 Jul 3, 2017 $1.01
Aug 5, 2018 $1.01 Jul 3, 2017 $1.01
Aug 12, 2018 $1.01 Jul 3, 2017 $1.01
Aug 19, 2018 $1.01 Jul 3, 2017 $1.01
Aug 26, 2018 $1.01 Jul 3, 2017 $1.01
Sep 2, 2018 $1.01 Jul 3, 2017 $1.01
Sep 9, 2018 $1.01 Jul 3, 2017 $1.01
Sep 16, 2018 $1.01 Jul 3, 2017 $1.01
Sep 23, 2018 $1.01 Jul 3, 2017 $1.01
Sep 30, 2018 $1.01 Jul 3, 2017 $1.01
Oct 7, 2018 $1.01 Jul 3, 2017 $1.01
Oct 14, 2018 $1.01 Jul 3, 2017 $1.01
Oct 21, 2018 $1.01 Jul 3, 2017 $1.01
Oct 28, 2018 $1.01 Jul 3, 2017 $1.01
Nov 4, 2018 $1.01 Jul 3, 2017 $1.01
Nov 11, 2018 $1.01 Jul 3, 2017 $1.01
Nov 18, 2018 $1.01 Jul 3, 2017 $1.01
Nov 25, 2018 $1.01 Jul 3, 2017 $1.01
Dec 2, 2018 $1.01 Jul 3, 2017 $1.01
Dec 9, 2018 $1.01 Jul 3, 2017 $1.01
Dec 16, 2018 $1.01 Jul 3, 2017 $1.01
Dec 23, 2018 $1.01 Jul 3, 2017 $1.01
Dec 30, 2018 $1.01 Jul 3, 2017 $1.01
Jan 6, 2019 $1.01 Jul 3, 2017 $1.01
Jan 13, 2019 $1.01 Jul 3, 2017 $1.01
Jan 20, 2019 $1.01 Jul 3, 2017 $1.01
Jan 27, 2019 $1.01 Jul 3, 2017 $1.01
Feb 3, 2019 $1.01 Jul 3, 2017 $1.01
Feb 10, 2019 $1.01 Jul 3, 2017 $1.01
Feb 17, 2019 $1.01 Jul 3, 2017 $1.01
Feb 24, 2019 $1.01 Jul 3, 2017 $1.01
Mar 3, 2019 $1.01 Jul 3, 2017 $1.01
Mar 10, 2019 $1.01 Jul 3, 2017 $1.01
Mar 17, 2019 $1.01 Jul 3, 2017 $1.01
Mar 24, 2019 $1.01 Jul 3, 2017 $1.01
Mar 31, 2019 $1.01 Jul 3, 2017 $1.01
Apr 7, 2019 $1.01 Jul 3, 2017 $1.01
Apr 14, 2019 $1.01 Jul 3, 2017 $1.01
Apr 21, 2019 $1.01 Jul 3, 2017 $1.01
Apr 28, 2019 $1.01 Jul 3, 2017 $1.01
May 5, 2019 $1.01 Jul 3, 2017 $1.01
May 12, 2019 $1.01 Jul 3, 2017 $1.01
May 19, 2019 $1.01 Jul 3, 2017 $1.01
May 26, 2019 $1.01 Jul 3, 2017 $1.01
Jun 2, 2019 $1.01 Jul 3, 2017 $1.01
Jun 9, 2019 $1.01 Jul 3, 2017 $1.01
Jun 16, 2019 $1.01 Jul 3, 2017 $1.01
Jun 23, 2019 $1.01 Jul 3, 2017 $1.01
Jun 30, 2019 $1.01 Jul 3, 2017 $1.01
Jul 7, 2019 $1.01 Jul 3, 2017 $1.01
Jul 14, 2019 $1.01 Jul 3, 2017 $1.01
Jul 21, 2019 $1.01 Jul 3, 2017 $1.01
Jul 28, 2019 $1.01 Jul 3, 2017 $1.01
Aug 4, 2019 $1.01 Jul 3, 2017 $1.01
Aug 11, 2019 $1.01 Jul 3, 2017 $1.01
Aug 18, 2019 $1.01 Jul 3, 2017 $1.01
Aug 25, 2019 $1.01 Jul 3, 2017 $1.01
Sep 1, 2019 $1.01 Jul 3, 2017 $1.01
Sep 8, 2019 $1.01 Jul 3, 2017 $1.01
Sep 15, 2019 $1.01 Jul 3, 2017 $1.01
Sep 22, 2019 $1.01 Jul 3, 2017 $1.01
Sep 29, 2019 $1.01 Jul 3, 2017 $1.01
Oct 6, 2019 $1.01 Jul 3, 2017 $1.01
Oct 13, 2019 $1.01 Jul 3, 2017 $1.01
Oct 20, 2019 $1.01 Jul 3, 2017 $1.01
Oct 27, 2019 $1.01 Jul 3, 2017 $1.01
Nov 3, 2019 $1.01 Jul 3, 2017 $1.01
Nov 10, 2019 $1.01 Jul 3, 2017 $1.01
Nov 17, 2019 $1.01 Jul 3, 2017 $1.01
Nov 24, 2019 $1.01 Jul 3, 2017 $1.01
Dec 1, 2019 $1.01 Jul 3, 2017 $1.01
Dec 8, 2019 $1.01 Jul 3, 2017 $1.01
Dec 15, 2019 $1.01 Jul 3, 2017 $1.01
Dec 22, 2019 $1.01 Jul 3, 2017 $1.01
Dec 29, 2019 $1.01 Jul 3, 2017 $1.01
Jan 5, 2020 $1.01 Jul 3, 2017 $1.01
Jan 12, 2020 $1.01 Jul 3, 2017 $1.01
Jan 19, 2020 $1.01 Jul 3, 2017 $1.01
Jan 26, 2020 $1.01 Jul 3, 2017 $1.01
Feb 2, 2020 $1.01 Jul 3, 2017 $1.01
Feb 9, 2020 $1.01 Jul 3, 2017 $1.01
Feb 16, 2020 $1.01 Jul 3, 2017 $1.01
Feb 23, 2020 $1.01 Jul 3, 2017 $1.01
Mar 1, 2020 $1.01 Jul 3, 2017 $1.01
Mar 8, 2020 $1.01 Jul 3, 2017 $1.01
Mar 15, 2020 $1.01 Jul 3, 2017 $1.01
Mar 22, 2020 $1.01 Jul 3, 2017 $1.01
Mar 29, 2020 $1.01 Jul 3, 2017 $1.01
Apr 5, 2020 $1.01 Jul 3, 2017 $1.01
Apr 12, 2020 $1.01 Jul 3, 2017 $1.01
Apr 19, 2020 $1.01 Jul 3, 2017 $1.01
Apr 26, 2020 $1.01 Jul 3, 2017 $1.01
May 3, 2020 $1.01 Jul 3, 2017 $1.01
May 10, 2020 $1.01 Jul 3, 2017 $1.01
May 17, 2020 $1.01 Jul 3, 2017 $1.01
May 24, 2020 $1.01 Jul 3, 2017 $1.01
May 31, 2020 $1.01 Jul 3, 2017 $1.01
Jun 7, 2020 $1.01 Jul 3, 2017 $1.01
Jun 14, 2020 $1.01 Jul 3, 2017 $1.01
Jun 21, 2020 $1.01 Jul 3, 2017 $1.01
Jun 28, 2020 $1.01 Jul 3, 2017 $1.01
Jul 5, 2020 $1.01 Jul 3, 2017 $1.01
Jul 12, 2020 $1.01 Jul 3, 2017 $1.01
Jul 19, 2020 $1.01 Jul 3, 2017 $1.01
Jul 26, 2020 $1.01 Jul 3, 2017 $1.01
Aug 2, 2020 $1.01 Jul 3, 2017 $1.01
Aug 9, 2020 $1.01 Jul 3, 2017 $1.01
Aug 16, 2020 $1.01 Jul 3, 2017 $1.01
Aug 23, 2020 $1.01 Jul 3, 2017 $1.01
Aug 30, 2020 $1.01 Jul 3, 2017 $1.01
Sep 6, 2020 $1.01 Jul 3, 2017 $1.01
Sep 13, 2020 $1.01 Jul 3, 2017 $1.01
Sep 20, 2020 $1.01 Jul 3, 2017 $1.01
Sep 27, 2020 $1.01 Jul 3, 2017 $1.01
Oct 4, 2020 $1.01 Jul 3, 2017 $1.01
Oct 11, 2020 $1.01 Jul 3, 2017 $1.01
Oct 18, 2020 $1.01 Jul 3, 2017 $1.01
Oct 25, 2020 $1.01 Jul 3, 2017 $1.01
Nov 1, 2020 $1.01 Jul 3, 2017 $1.01
Nov 8, 2020 $1.01 Jul 3, 2017 $1.01
Nov 15, 2020 $1.01 Jul 3, 2017 $1.01
Nov 22, 2020 $1.01 Jul 3, 2017 $1.01
Nov 29, 2020 $1.01 Jul 3, 2017 $1.01
Dec 6, 2020 $1.01 Jul 3, 2017 $1.01
Dec 13, 2020 $1.01 Jul 3, 2017 $1.01
Dec 20, 2020 $1.01 Jul 3, 2017 $1.01
Dec 27, 2020 $1.01 Jul 3, 2017 $1.01
Jan 3, 2021 $1.01 Jul 3, 2017 $1.01
Jan 10, 2021 $1.01 Jul 3, 2017 $1.01
Jan 17, 2021 $1.01 Jul 3, 2017 $1.01
Jan 24, 2021 $1.01 Jul 3, 2017 $1.01
Jan 31, 2021 $1.01 Jul 3, 2017 $1.01
Feb 7, 2021 $1.01 Jul 3, 2017 $1.01
Feb 14, 2021 $1.01 Jul 3, 2017 $1.01
Feb 21, 2021 $1.01 Jul 3, 2017 $1.01
Feb 28, 2021 $1.01 Jul 3, 2017 $1.01
Mar 7, 2021 $1.01 Jul 3, 2017 $1.01
Mar 14, 2021 $1.01 Jul 3, 2017 $1.01
Mar 21, 2021 $1.01 Jul 3, 2017 $1.01
Mar 28, 2021 $1.01 Jul 3, 2017 $1.01
Apr 4, 2021 $1.01 Jul 3, 2017 $1.01
Apr 11, 2021 $1.01 Jul 3, 2017 $1.01
Apr 18, 2021 $1.01 Jul 3, 2017 $1.01
Apr 25, 2021 $1.01 Jul 3, 2017 $1.01
May 2, 2021 $1.01 Jul 3, 2017 $1.01
May 9, 2021 $1.01 Jul 3, 2017 $1.01
May 16, 2021 $1.01 Jul 3, 2017 $1.01
May 23, 2021 $1.01 Jul 3, 2017 $1.01
May 30, 2021 $1.01 Jul 3, 2017 $1.01
Jun 6, 2021 $1.01 Jul 3, 2017 $1.01
Jun 13, 2021 $1.01 Jul 3, 2017 $1.01
Jun 20, 2021 $1.01 Jul 3, 2017 $1.01
Jun 27, 2021 $1.01 Jul 3, 2017 $1.01
Jul 4, 2021 $1.01 Jul 3, 2017 $1.01
Jul 11, 2021 $1.01 Jul 3, 2017 $1.01
Jul 18, 2021 $1.01 Jul 3, 2017 $1.01
Jul 25, 2021 $1.01 Jul 3, 2017 $1.01
Aug 1, 2021 $1.01 Jul 3, 2017 $1.01
Aug 8, 2021 $1.01 Jul 3, 2017 $1.01
Aug 15, 2021 $1.01 Jul 3, 2017 $1.01
Aug 22, 2021 $1.01 Jul 3, 2017 $1.01
Aug 29, 2021 $1.01 Jul 3, 2017 $1.01
Sep 5, 2021 $1.01 Jul 3, 2017 $1.01
Sep 12, 2021 $1.01 Jul 3, 2017 $1.01
Sep 19, 2021 $1.01 Jul 3, 2017 $1.01
Sep 26, 2021 $1.01 Jul 3, 2017 $1.01
Oct 3, 2021 $1.01 Jul 3, 2017 $1.01
Oct 10, 2021 $1.01 Jul 3, 2017 $1.01
Oct 17, 2021 $1.01 Jul 3, 2017 $1.01
Oct 24, 2021 $1.01 Jul 3, 2017 $1.01
Oct 31, 2021 $1.01 Jul 3, 2017 $1.01
Nov 7, 2021 $1.01 Jul 3, 2017 $1.01
Nov 14, 2021 $1.01 Jul 3, 2017 $1.01
Nov 21, 2021 $1.01 Jul 3, 2017 $1.01
Nov 28, 2021 $1.01 Jul 3, 2017 $1.01
Dec 5, 2021 $1.01 Jul 3, 2017 $1.01
Dec 12, 2021 $94.73 Jul 3, 2017 $94.73

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