Loan proposal for mens shoes, kids and ladies

Justina Nguhi

Thika, Kenya

100% repaid



Justina Nguhi

Member since

December 2013

On-time repayments

123 installments  •  57%

About Me

I am Justina Nguhi Kibe, a female of Kenyan Nationality. I am the third born in a family of five. Two sisters and three brothers I live in Thika, Majengo Estate opposite Thika Muslim Primary School House Number 2b in a big building called Alpha house, Plot Number22 I deal with ladies shoes and clothes but mostly my stock is contained mostly with shoes as they are fast moving compared to clothes. I normally sell everyday from 8 am to 5 pm apart from Sundays and holidays, I sell them at Thika main stage, a stage that is the central business district in Thika. I started this business in 2007. After being employed for the past few years and I noticed I was not progressing in being employed, through my little savings I was in a position to rent a stall and purchase ladies shoes. The business has enabled me pay my child school fees as he is pursuing Certified public accounts course and also assist my parents in rural area. I purchase shoes from Eastleigh in Nairobi and for the clothes I buy

My Business

I sell ladies shoes and clothes. I normally get them from Kamukunji and Eastleigh in Nairobi. My shop at Thika main stage is at a good view and located at an upward area such that most people get to see my products, being in this business I have always been in a position to always move with fashion, and therefore anything that is in fashion it never misses in my stock. About the old stock I normally sell them at cost and thus escaping incurring losses. I always give a good bargain to my customers such that this customer will always stick to my shop whenever she/he needs shoes or clothes. The business is indeed profitable as just a pair of shoe can fetch me a minimum of 350 in profit on the lower side. When it comes to clothes they give me a better profit than a pair of shoe as I always gather a profit of at least 500Ksh in very cloth that I sell. The challenge of clothes is that they are not fast moving as compared to shoes. The risk involved in my business is that at times I would be flocked b

Loan Proposal

lenders for the commendable job you are doing, and thanks a lot for
trusting me and giving me loans for my projects, this is my third loan
since joining zidisha and I have been 100% on time repayment as my
business has always providing enough returns. I also thank a zidisha
European who came from Germany to survey on borrowers from Kenya, I was
lucky to be introduced to her by the area Volunteer mentor, she
encouraged me a lot and am glad to note there are people in other
continent who care about others people progress.
I had delayed in posting another loan request as I had to make a budget
and a good business plan on how I would invest my money wisely. I came
up with a business budget as follows
1. 40% of this loan I will stock mens official shoes as you are aware my
business is located at Central Business District where most offices in
town are located at, thus my focus will be to target working men in
those offices.
2. 30% of the loan I will purchase plastic shoes both for ladies and
kids this type of shoes are less costly as compared to others but they
are fast moving, their disadvantage is that they fetch little profit,
but for me I will strategies this by reducing the selling price by a
little discount, and thus I will attract more customer, this is not the
first time am trying this as I also practiced this method during the
December holiday.
3. The remaining loan will boost me to pay the shops rent for two
months after I add up with my savings at bank.
I will be so glad if you fund my project, I please call upon all the
lenders and well wishers to finance my project as I have always been
faithful to you. May the Almighty God Bless You and protect you






Loan Info

Project Type

Classic Loan

Disbursed amount


Date disbursed

Oct 27, 2014

Repayment status

On Time

Projected term

3 months



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