Entrepreneur
Name
Charles
Member since
January 2015
On-time repayments
189 installments • 18%
About Me
Am Charles Kiio and my age is 25 years. My parents are Mr. and Mrs. Patrick Nduva. I come from Mukaa region in Makueni county. am a single and currently in college pursuing a degree in civil engineering.
I have eight siblings and am the only one who is learned. My parents are unprofessional and this made our childhood life very challenging. This is due to the large family and no good job for my parents. My siblings went up to class eight. I managed to go to high school because of good marks and due to the fact that my father volunteered to work as a casual to pay for my fees.The salary was megre though. after hard work and commitment i managed to secure a place in a public university where the fees is catered for by the government ,thanks to the HELB loan.
I came to think of business in my second year as i had too little money for my upkeep in school. I started a small business in Athi-river town of selling house hold commodities. The profit i get i use part of it for my need s and the rest goes back to the business. This has kept me going up to now.
Am single and have no children to depend on me.
during free time i like reading novels, doing photography and listening to gospel music.
My Business
I sell household commodities in an open air market. This is because the goods are of high demand due to the fact that every home requires them in day to day basis. I chose this kind of business because:
1. The commodities are durable.
2. It does not require big capital to start or buy the goods.
3. It is easy to manage.
4. It also does not necessarily require a shop at the start and cuts on expenses of having to pay for rent, but due to dust, i have now rented a shop, and also due to the fact that the business has grown.
5. Again they are not seasonal, i.e. demand is always assured.
The cost of the commodities range from 1$ to 3 $ and can fetch a profit of up to 50% their price each. All in all i now collect a profit of about 60$ a week. I use part of the profit for my upkeep in school and the rest i boost the business by reinvesting again.
after getting my first loan i was able to rent a shop and employ an attendant. this made the profits to increase by almost double i.e 100$ a week. i have used this profit to pay for the rent, salary for my employer, and reinvesting back to the business. my school life is no longer challenging as before,and am also able to support my parents back at home.
Loan Proposal
once i get the loan i intent to use 100$ to bring in more inventory of existing stock, and 70$ for inventory not already in the business. this is because my business has not yet been able to supply all the varieties of home supplies stuff, thus not yet met the high demand for these commodities. the place has many industries calling for employment so the market for my commondities is already there. i plan to use the 30$ for salary of another attendant to assist the first one.i will also use 50$ from my savings to rent another store. i plan to use three quarters of the loan to enlarge the business so as to employ more people especially the youth who are idle. my ambition is to help solve the issue of unemployment by creating one. by doing so hop i will be able to get more profit (120$ weekly) and help others through employment. i have a plan to supply the commodities in wholesale and retail in the area. i believe zidisha community can help me achieve this. this will make my community members very happy generally.
Feedback
Positive
None
Neutral
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Negative
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Loan Info
Project Type
Classic Loan
Disbursed amount
$207.00
Date disbursed
Mar 23, 2015
Repayment status
Late
Projected term
43 months
Other loans
Lenders
Jake Gibson and Beverly Picardo
San Francisco, United States
Summary
Amount repaid
$71.62
Amount remaining
$146.46
Expected completion
Oct 14, 2018
Status
Repaying late
Installment amount
$1.10
Repayment History
| Expected Payments | Actual Payments | ||
|---|---|---|---|
| Apr 5, 2015 | $15.57 | Apr 6, 2015 | $15.57 |
| Apr 12, 2015 | $0.00 | ||
| Apr 19, 2015 | $5.49 | Apr 20, 2015 | $5.49 |
| Apr 26, 2015 | $0.00 | ||
| May 3, 2015 | $0.00 | ||
| May 10, 2015 | $0.00 | ||
| May 17, 2015 | $3.30 | May 19, 2015 | $3.30 |
| May 24, 2015 | $3.30 | May 27, 2015 | $3.30 |
| May 31, 2015 | $0.00 | ||
| Jun 7, 2015 | $0.00 | ||
| Jun 14, 2015 | $0.00 | ||
| Jun 21, 2015 | $1.10 | Jul 1, 2015 | $1.10 |
| Jun 28, 2015 | $1.10 | Jul 1, 2015 | $1.10 |
| Jul 5, 2015 | $1.10 | Jul 20, 2015 | $1.10 |
| Jul 12, 2015 | $1.10 | Jul 20, 2015 | $1.10 |
| Jul 19, 2015 | $1.10 | Jul 20, 2015 | $1.10 |
| Jul 26, 2015 | $1.10 | Aug 3, 2015 | $1.10 |
| Aug 2, 2015 | $1.10 | Aug 3, 2015 | $1.10 |
| Aug 9, 2015 | $1.10 | Aug 15, 2015 | $1.10 |
| Aug 16, 2015 | $1.10 | Aug 15, 2015 | $1.10 |
| Aug 23, 2015 | $1.10 | Aug 15, 2015 | $1.10 |
| Aug 30, 2015 | $1.10 | Sep 17, 2015 | $1.10 |
| Sep 6, 2015 | $1.10 | Sep 17, 2015 | $1.10 |
| Sep 13, 2015 | $1.10 | Sep 17, 2015 | $1.10 |
| Sep 20, 2015 | $1.10 | Sep 17, 2015 | $1.10 |
| Sep 27, 2015 | $1.10 | Oct 22, 2015 | $1.10 |
| Oct 4, 2015 | $1.10 | Oct 22, 2015 | $1.10 |
| Oct 11, 2015 | $1.10 | Oct 22, 2015 | $1.10 |
| Oct 18, 2015 | $1.10 | Oct 22, 2015 | $1.10 |
| Oct 25, 2015 | $1.10 | Oct 22, 2015 | $1.10 |
| Nov 1, 2015 | $1.10 | Oct 29, 2015 | $1.10 |
| Nov 8, 2015 | $1.10 | Oct 29, 2015 | $1.10 |
| Nov 15, 2015 | $1.10 | Oct 29, 2015 | $1.10 |
| Nov 22, 2015 | $1.10 | Oct 29, 2015 | $1.10 |
| Nov 29, 2015 | $1.10 | Oct 29, 2015 | $1.10 |
| Dec 6, 2015 | $1.10 | Dec 29, 2015 | $1.10 |
| Dec 13, 2015 | $1.10 | Dec 29, 2015 | $1.10 |
| Dec 20, 2015 | $1.10 | Dec 29, 2015 | $1.10 |
| Dec 27, 2015 | $1.10 | Dec 29, 2015 | $1.10 |
| Jan 3, 2016 | $1.10 | Dec 29, 2015 | $1.10 |
| Jan 10, 2016 | $1.10 | Dec 29, 2015 | $0.55 |
| Feb 14, 2016 | $0.55 | ||
| Jan 17, 2016 | $1.10 | Feb 14, 2016 | $1.10 |
| Jan 24, 2016 | $1.10 | Feb 14, 2016 | $1.10 |
| Jan 31, 2016 | $1.10 | Mar 20, 2016 | $1.10 |
| Feb 7, 2016 | $1.10 | Mar 20, 2016 | $1.10 |
| Feb 14, 2016 | $1.10 | Mar 20, 2016 | $1.10 |
| Feb 21, 2016 | $1.10 | Apr 26, 2016 | $1.10 |
| Feb 28, 2016 | $1.10 | Apr 26, 2016 | $1.10 |
| Mar 6, 2016 | $1.10 | Apr 26, 2016 | $1.10 |
| Mar 13, 2016 | $1.10 | Apr 26, 2016 | $1.10 |
| Mar 20, 2016 | $1.10 | Apr 26, 2016 | $1.10 |
| Mar 27, 2016 | $1.10 | ||
| Apr 3, 2016 | $1.10 | ||
| Apr 10, 2016 | $1.10 | ||
| Apr 17, 2016 | $1.10 | ||
| Apr 24, 2016 | $1.10 | ||
| May 1, 2016 | $1.10 | ||
| May 8, 2016 | $1.10 | ||
| May 15, 2016 | $1.10 | ||
| May 22, 2016 | $1.10 | ||
| May 29, 2016 | $1.10 | ||
| Jun 5, 2016 | $1.10 | ||
| Jun 12, 2016 | $1.10 | ||
| Jun 19, 2016 | $1.10 | ||
| Jun 26, 2016 | $1.10 | ||
| Jul 3, 2016 | $1.10 | ||
| Jul 10, 2016 | $1.10 | ||
| Jul 17, 2016 | $1.10 | ||
| Jul 24, 2016 | $1.10 | ||
| Jul 31, 2016 | $1.10 | ||
| Aug 7, 2016 | $1.10 | ||
| Aug 14, 2016 | $1.10 | ||
| Aug 21, 2016 | $1.10 | ||
| Aug 28, 2016 | $1.10 | ||
| Sep 4, 2016 | $1.10 | ||
| Sep 11, 2016 | $1.10 | ||
| Sep 18, 2016 | $1.10 | ||
| Sep 25, 2016 | $1.10 | ||
| Oct 2, 2016 | $1.10 | ||
| Oct 9, 2016 | $1.10 | ||
| Oct 16, 2016 | $1.10 | ||
| Oct 23, 2016 | $1.10 | ||
| Oct 30, 2016 | $1.10 | ||
| Nov 6, 2016 | $1.10 | ||
| Nov 13, 2016 | $1.10 | ||
| Nov 20, 2016 | $1.10 | ||
| Nov 27, 2016 | $1.10 | ||
| Dec 4, 2016 | $1.10 | ||
| Dec 11, 2016 | $1.10 | ||
| Dec 18, 2016 | $1.10 | ||
| Dec 25, 2016 | $1.10 | ||
| Jan 1, 2017 | $1.10 | ||
| Jan 8, 2017 | $1.10 | ||
| Jan 15, 2017 | $1.10 | ||
| Jan 22, 2017 | $1.10 | ||
| Jan 29, 2017 | $1.10 | ||
| Feb 5, 2017 | $1.10 | ||
| Feb 12, 2017 | $1.10 | ||
| Feb 19, 2017 | $1.10 | ||
| Feb 26, 2017 | $1.10 | ||
| Mar 5, 2017 | $1.10 | ||
| Mar 12, 2017 | $1.10 | ||
| Mar 19, 2017 | $1.10 | ||
| Mar 26, 2017 | $1.10 | ||
| Apr 2, 2017 | $1.10 | ||
| Apr 9, 2017 | $1.10 | ||
| Apr 16, 2017 | $1.10 | ||
| Apr 23, 2017 | $1.10 | ||
| Apr 30, 2017 | $1.10 | ||
| May 7, 2017 | $1.10 | ||
| May 14, 2017 | $1.10 | ||
| May 21, 2017 | $1.10 | ||
| May 28, 2017 | $1.10 | ||
| Jun 4, 2017 | $1.10 | ||
| Jun 11, 2017 | $1.10 | ||
| Jun 18, 2017 | $1.10 | ||
| Jun 25, 2017 | $1.10 | ||
| Jul 2, 2017 | $1.10 | ||
| Jul 9, 2017 | $1.10 | ||
| Jul 16, 2017 | $1.10 | ||
| Jul 23, 2017 | $1.10 | ||
| Jul 30, 2017 | $1.10 | ||
| Aug 6, 2017 | $1.10 | ||
| Aug 13, 2017 | $1.10 | ||
| Aug 20, 2017 | $1.10 | ||
| Aug 27, 2017 | $1.10 | ||
| Sep 3, 2017 | $1.10 | ||
| Sep 10, 2017 | $1.10 | ||
| Sep 17, 2017 | $1.10 | ||
| Sep 24, 2017 | $1.10 | ||
| Oct 1, 2017 | $1.10 | ||
| Oct 8, 2017 | $1.10 | ||
| Oct 15, 2017 | $1.10 | ||
| Oct 22, 2017 | $1.10 | ||
| Oct 29, 2017 | $1.10 | ||
| Nov 5, 2017 | $1.10 | ||
| Nov 12, 2017 | $1.10 | ||
| Nov 19, 2017 | $1.10 | ||
| Nov 26, 2017 | $1.10 | ||
| Dec 3, 2017 | $1.10 | ||
| Dec 10, 2017 | $1.10 | ||
| Dec 17, 2017 | $1.10 | ||
| Dec 24, 2017 | $1.10 | ||
| Dec 31, 2017 | $1.10 | ||
| Jan 7, 2018 | $1.10 | ||
| Jan 14, 2018 | $1.10 | ||
| Jan 21, 2018 | $1.10 | ||
| Jan 28, 2018 | $1.10 | ||
| Feb 4, 2018 | $1.10 | ||
| Feb 11, 2018 | $1.10 | ||
| Feb 18, 2018 | $1.10 | ||
| Feb 25, 2018 | $1.10 | ||
| Mar 4, 2018 | $1.10 | ||
| Mar 11, 2018 | $1.10 | ||
| Mar 18, 2018 | $1.10 | ||
| Mar 25, 2018 | $1.10 | ||
| Apr 1, 2018 | $1.10 | ||
| Apr 8, 2018 | $1.10 | ||
| Apr 15, 2018 | $1.10 | ||
| Apr 22, 2018 | $1.10 | ||
| Apr 29, 2018 | $1.10 | ||
| May 6, 2018 | $1.10 | ||
| May 13, 2018 | $1.10 | ||
| May 20, 2018 | $1.10 | ||
| May 27, 2018 | $1.10 | ||
| Jun 3, 2018 | $1.10 | ||
| Jun 10, 2018 | $1.10 | ||
| Jun 17, 2018 | $1.10 | ||
| Jun 24, 2018 | $1.10 | ||
| Jul 1, 2018 | $1.10 | ||
| Jul 8, 2018 | $1.10 | ||
| Jul 15, 2018 | $1.10 | ||
| Jul 22, 2018 | $1.10 | ||
| Jul 29, 2018 | $1.10 | ||
| Aug 5, 2018 | $1.10 | ||
| Aug 12, 2018 | $1.10 | ||
| Aug 19, 2018 | $1.10 | ||
| Aug 26, 2018 | $1.10 | ||
| Sep 2, 2018 | $1.10 | ||
| Sep 9, 2018 | $1.10 | ||
| Sep 16, 2018 | $1.10 | ||
| Sep 23, 2018 | $1.10 | ||
| Sep 30, 2018 | $1.10 | ||
| Oct 7, 2018 | $1.10 | ||
| Oct 14, 2018 | $0.31 | ||
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