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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  • Justina Nguhi    Oct 24, 2018

    Before your next application, we recommend that you post a comment to let your lenders know the results of the loan you have just completed. This helps lenders understand how the loan made a difference in your life, so that they will feel interested in participating again in your next loan.

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  • Justina Nguhi    Jul 15, 2016

    hi zidisha family, am happy to give you a positive feed back that my business is doing very well

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  • Justina Nguhi    May 7, 2016

    Please explain here the reason for the change in the repayment schedule (as much as you are comfortable sharing), and include an update on how the investment you made with the loan has turned out. This will be posted on your public loan profile page.

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  • Justina Nguhi    Mar 19, 2016

    every payment i make is not reflecting in my account what could be the problem ??????????????????????????????????????????????????????????????????????????????????

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  • Justina Nguhi    Dec 23, 2015

    dear zidisha family, am glad because my business is doing quite well, and thats why i always keep on paying very well. during this month of december my business is on peak as most clothes and shoes are bought so much. thanks alot for your support.

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  • enigmatic    Nov 15, 2015

    Dear Justina
    Thank you for your repayments so far. How is your business going?
    Will you be able to resume repayments from the proceeds of the reinvested money soon?
    Kind regards

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  • Justina Nguhi    Sep 16, 2015

    cannot pay the full installment amount due. I would like to reduce my payment, because i want to re invest back the money to the shoes business but i will always have a prepayment as usual as you have been seeing as my business is still very stable,

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  • Justina Nguhi    Aug 28, 2015

    Today at 2:51 i received my loan reimburse i thank you lenders for your help. Thanks so much.

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  • Justina Nguhi    Aug 27, 2015

    Thanks alot lenders for having enough faith and trusting me with your money. Next week i will go to the market and purchase shoes and cloths. Thanks so much

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  • Justina Nguhi    Aug 11, 2015

    Dear lenders,
    am glad to inform you that last month was a fruitful month as i really fetched good amount from my business and i found it wise to repay the remaining amount of loan. Thanks alot for your partnership in my business.

    Best regards
    justina nguhi

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  • Justina Nguhi    Jun 29, 2015

    Thanks so much zidisha family for the good work you do. I am very much thankful to you zidisha for the loan you gave me last was very fruitful. May you always expand as you do the good job. Thanks in advance

    justina nguhi

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  • Justina Nguhi    Jun 6, 2015

    I take this opportunity to thank God for connecting me to my destiny connector i.e the lenders. Am very glad as my business is doing very well i cannot regret ever borrowing from you lenders your terms and interest are very friendly to me. I thank you very much indeed. May God bless you

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  • Justina Nguhi    Apr 8, 2015

    I would like to reduce my rate of payment so that i can have ample time to invrst plxzz hgfgggdcv gvuggggvvvggdghv ghdvyrsergg hjy

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  • Justina Nguhi    Apr 1, 2015

    dear lenders am very happy to inform you that i received a loan which i had applied for, am greatful for your good work, support and contribution. May the Almighty God bless you alll

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  • Justina Nguhi    Mar 6, 2015

    hi zidisha, its very unfair that two days ago my loan credit limit was 26000 and yesterday after i repaid my full loan , the credit limit deacreased by half, surely that is very unfair to me having paid my loan fully and after i repay you decide to reduce my next loan.

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    • Boniface Simiyu    Mar 12, 2015

      Dont worry Justina,Zidisha is working on some issues and they have a lot of work which is being done by volunteers and the patient.My own credit dips and rises and i've been told so.So just be patient it will be corrected.Take heart.

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  • KM    Mar 2, 2015

    Thank-you for your recent repayment. You've almost repaid the entire loan!

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    • Justina Nguhi    Mar 6, 2015

      hi kilmeny, please help me,,, its very unfair that two days ago my loan credit limit was 26000 and yesterday after i repaid my full loan , the credit limit deacreased by half, surely that is very unfair to me having paid my loan fully and after i repay you decide to reduce my next loan. please help me to get ny limit back

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  • Justina Nguhi    Feb 18, 2015

    zidisha has really changed me

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  • Justina Nguhi    Jan 14, 2015

    sorry zidisha for delay in my loan payment i will pay before the end of this week

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    • HildeK    Jan 15, 2015

      Thank you for the update, and the best of wishes to you and your company :)

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  • Lewis Njau    Jan 14, 2015


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  • Justina Nguhi    Dec 23, 2014

    hi zidisha am very happy for the progress at my work, zidisha has really changed my life and am glad about it, thanks alot

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