Loan to buy bales of clothes and shoes

Bephine Nyawera

Kisumu, Kenya

100% repaid

Entrepreneur

Name

Bephine Nyawera

Member since

February 2015

On-time repayments

111 installments  •  86%

About Me

My names are Bephine Nyawera I grew up in a small village called Kisasi in Western Province.I come from a very humble background of 2 sisters and 2 brothers. I am the eldest in our family. My dad passed away due to Aplastic Anaemia leaving my mum a widow who is jobless, but being the eldest in our home we joined hands with my mum to do small scale farming inorder to help my siblings to go to school to achieve their dreams. Life has not been easy the small shamba we had was not enough to produce for large sale of good to the market hence a friend of mine introduced me to the world of selling second hand clothes.

My Business

I looked fora job and my friend had a business stall where she could sell a bale of used second hand clothes for children. I could help market the clothes for her in institutions selling to teachers and workers second hand clothes for their children. The business grew so big until my boss now was able to bring and we sell about three bales of mixed clothes including kids clothes, mens shirts and women skirts. With time she encouraged me and from my little savings I was able to start my own Second hand clothing (Mitumba) business. So far I have only one bale of used women dresses but I am hoping that with the help of Zidisha lenders they will help me to grow in business and buy and sell more bales of used clothes and also to grow my family my kids will be able to go to school without fee arrears.

Loan Proposal

I will still buy more bales of clothes including bales of bedsheets and children shoes. This helps to have varieties of items available to all my clients. It aso encourages me to employ more staffs who will help in sales. Thanks to zidisha team for this opportunity.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$859.01

Date disbursed

Sep 24, 2016

Repayment status

On Time

Projected term

4 months

Cost to entrepreneur

Service fee: $35.39

Lenders

investor

Candiac, Canada

korben

VILLENAVE D'ORNON, France

Scott

Oregon, United States

Zidisha

Sterling, United States

A

AlexCheng

Seattle, United States

L

lujabe

Melbourne, Australia

R

rholden

glen iris, Australia

mtnsailor

Harrisonburg, United States

MichaelOsburg

Hochheim, Germany

BF

Bob Fitzjohn

Fontvielle, Monaco, Yemen

K

kingcamo1095

Mountain Home, United States

JonB

London, United Kingdom

Richard Griebe

La Jolla, United States

B

BMcDermott

Washington, DC, United States

MrMichigander

Marquette, United States

Matching Fund

Sterling, United States

DavidHS

United Kingdom

Paul Buchheit

Mountain View, United States

BuckeyeBob

Ohio, United States

Suman

Gold Coast, Australia

K

Keith

Luxembourg

Otto Barten

Amsterdam, Netherlands

C

Crainster

Chapel Hill, United States

K

Kristiina

All Countries

JL

Joao Leal

United Kingdom

Nigel Titley

Milton Keynes, United Kingdom

W

Wade

United States

MB

michael breen

United Kingdom

DF

Daniel Fehr-Krahn

Winnipeg, Canada

C

Chitti421

United States

SG

Sharon G

Portland, United States

P

patricio

Yorba Linda, Ca, United States

Mark Grey

Redding, CT, United States

AH

ajay hampapur

United States

E

eriklonnroth

United Kingdom

YK

Yonghwan Kim

Republic of Korea

Aran Dunlop

United States

E

ebahlquist

United States

EF

Eddie Flores

NYC, United States

BS

Brad Syverson

United States

Joe Lamantia

Reston, Virginia, United States

André Pinto

Brussels, Belgium

Kyle Holohan

United States

WM

William Madden

Berlin, Germany

DL

Dan Lawrence

United States

Douglas St Quintin

Sydney, Australia

Eszti

Budapest, Hungary

Rosario von Li

San Jose, Ca, United States

A

Andrei

United States

M

Mark

United States

T

Tucker

United States

Taylor

Memphis, United States

E

Enda

Abu Dhabi, United Arab Emirates

DD

David deSouza

United Kingdom

Heidy

N J, United States

EB

Ellen Batten

Kalamazoo, Michigan, United States

AG

abel ghita

Bucharest, Romania, Italy

R

Roanna

Alberta, Canada, Canada

MT

Marco Tietz

United States

SH

Steven Huntington

London, United Kingdom

Carlo Cruz

Cincinnati, OH, United States

Dan Michael

Oslo, Norway

Thomas

Sweden, Sweden

Gabriel Fenili

Santo André, Brazil

L

LK

United States

P

Patrick

Australia

Ondrej Gutten

Prague, Czech Republic

Y

YTSJ

London, United Kingdom

Ian Murray

Brisbane, Australia

KH

Kathryn Hawks

United States

TW

Tyler Wood

United States

Philip Schueler

Newbridge, Ireland, Ireland

KE

Karen Epolito

Syracuse, NY, United States

FJ

Flo Jo

United States

T

tonym

Australia

YV

Yuri Vanin

United States

J

Jon

United States

MF

Marissa Fiore

United States

V

Vidar

Oslo, Norway

PD

Provincial Desk Jock

Aberdeen, Scotland, United Kingdom

Joelle Steiver

Brumunddal, Norway

R

Richard

Netherlands

S

Stephanie

Zurich, Switzerland

Remo

Lucerne, Switzerland

Iris

Ireland

I

isaac

United Kingdom

JC

juli camrud

United States

RC

Rudi Chen

United States

P

patrick

United States

A

anniewynkoop

United States

B

Boris

Bern, Switzerland

Carla

United States

MK

Michael K

United States

SB

Sue Bucholz

Sacramento, United States

N

Nancy

United States

MS

Marcus Siegel

San Francisco, United States

WG

Waqar Ghani

United States

E

Erika

Ontario Canada, Canada

MT

Mufi Tabacchi

United States

Derek Anderson

Yankton, United States

G

Gil

Portugal

E

Elynne

United States

JB

John Brown

United States

RK

Robin Kinman

United States

HPK

Switzerland, Switzerland

NM

Neil M

London, United Kingdom

BW

Betty Waweru

United States

K

Kenny

United States

SS

Steve Smith

Winchester, Ma, United States

C

Carlene

United States

Jes-c

United States

Kevin

United States

B

Brett

Australia

T

Tom

Switzerland

M

Michele

United States

J

JT

United States

L

Lucas

United States

Zack Stein

United States

RC

Richard Cosh

Czech Republic

RC

Roy Chicky Arad

tel aviv, Israel, Israel

GA

Giovanni and Yelena

New York, Ny, United States

JA

Jan Andresen

Hamburg, Germany

L

Linn

United Kingdom

Sinan Taifour

Munich, Germany, Germany

SM

Sachet Marion

United States

L

LDM

Jordan

E

Elle

New York, United States

K

Kirsty

Netherlands

L

Laura

San Francisco, United States

MM

Matyas Matyas

Budapest, Romania

JM

Jane Mattoon

United States

E

El

United States

Raymond Murphy

Carson Valley, NV, United States

E

Elizabeth

United States

J

jeananne

United States

MJ

Morgan Jones

United States

J

Jon

United States

Stuart

London, United Kingdom

J

jan

United States

cchhrriiss

Munich, Germany

LR

Laetitia Rocha

United Kingdom

Andrea

Rome, Italy

Humble Bundle Community

San Francisco, United States

chessplayer

Berlin, Germany

ES

Evan Simons

United States

A

Anonymous

United States

NM

Nitya Marepally

San Ramon, CA, United States

J

Jan

Netherlands

A

Anonymous

United States

A

Anonymous

United States

Ask Bephine a question about this loan project, share news and photos of your own, or send a simple note of thanks or inspiration.

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  • Rose Nkatha    Sep 8, 2018

    Nilijaribu nikapewa but sina invite na naomba ya mume wangu please

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  • Rose Nkatha    Sep 8, 2018

    Hi there naona Kama ni ukweli kua Zidisha inapena pesa but sikua naamini na invite naweza pata nijaribu 0717134636 fb ni Clausene Xilax

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  • Bephine Nyawera    Mar 13, 2018

    Thanks my lenders for the loan I will add more bales in my business,I pray for all of you to continue with that spirit god bless the work of your hands thank you so Mick

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  • Bephine Nyawera    Jan 17, 2018

    what is happening with Zidisha. This is the fourth time that i am applying for a loan without success. it either says not fully funded after two weeks i reapply or like right now it says loan cancelled. Is there something going on that i need to be enlightened or does this only happen to my account. I have requested for top up so i can expand my bussiness but all i get is my loan expired or cancelled. i have paid my previous loans promptly and on time. Pleass let me know what the problem is because i have applied so many times without success.

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  • Bephine Nyawera    Dec 12, 2017

    The loan that I have finished repaying has helped me a lot in expanding my business and I also managed to buy iron sheets for building a house.

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  • Bephine Nyawera    Nov 29, 2017

    Zidisha loan has helped me afford to buy many bales of clothing and shoes. people come to my shops to buy from me at a cheaper rate and that has helped grow my business and income tremendously thanks to Zidisha lenders.

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  • Bephine Nyawera    Nov 12, 2017

    The loan has helped me purchase some iron sheets which am planning this next loan after finishing i will purchase material for building my own house.

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  • Bephine Nyawera    Feb 14, 2017

    Thanks for the money I have got it fully today may god bless you all for funding me this money .am sure my business is going to expand more am praying god to bless the work of your hands thanks

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  • Bephine Nyawera    Feb 8, 2017

    Thanks to zidisha team for this loan will enable me to serve and consistently serve my clients

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  • Bephine Nyawera    Sep 24, 2016

    I used to buy small bails 45kg for men shirt at sh28,000 now am going to take the bigger bail 100kg grade 1 for sh 48,000.Ladies skirt small bail 45kg for sh 16,000 am going also to upgrade it to 100kg for sh 27,000.Thanks for making my business to go higher since it will bring more customers.May God bless you all.

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  • Bephine Nyawera    Sep 20, 2016

    Thanks so much.Am going to add more bails so that my business to grow wider.God bless you all

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  • Bephine Nyawera    Jun 28, 2016

    there is been low season in business this time round coz of rains and political demonstrations in our town but it will be well thanks.

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  • Bephine Nyawera    May 3, 2016

    thanks i received the loan and am very thankful. this will enable me buy more bales of second hand clothes and shoes. thanks to zidisha team!

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  • Bephine Nyawera    Apr 27, 2016

    am so thankful to zidisha members coz this loan will help me buy more bales of clothing and second hand shoes as well so i can supply efficiently to my clients.

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  • Bephine Nyawera    Apr 15, 2016

    thanks to zidisha this loan has helped improve my living standard together with my family and my customers. i am so thankful for your help.

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  • Rene Koehnke    Dec 18, 2015

    Merry christmas, Bephine!

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  • Bephine Nyawera    Aug 23, 2015

    Thanks to lenders of zidisha group for the good support you are giving us thus loans that we receive to improve our business. I have just finished repaying loan of kshs.18,000 and I would like to apply for another loan but am surprised to see that you want to deduct kshs.7,000 from a loan that i am capable of applying of kshs.38,000 yet this is my third loan application at which you had already deducted initial kshs. 3,000 that you had indicated on first time applicant please verify this as you keep changing rules and your regulations and I don't understand this at all.
    Thanks
    Bephine Nyawera Shiraho

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    • Millan Kisali    Aug 25, 2015

      Bephine,

      I hope this finds you well.

      Please if you can follow the link below and read through. It has an insight into what is going on at Zidisha and answers your query.

      I am however sending you detailed information via email right away.

      Please let me know if your queries are alk addressed after you read through this writeup.

      Thank you.
      Millan


      forum.zidisha.org/threads/z...

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  • Bephine Nyawera    Aug 23, 2015

    Thanks to lenders of zidisha group for the good support you are giving us thus loans that we receive to improve our business. I have just finished repaying loan of kshs.18,000 and I would like to apply for another loan but am surprised to see that you want to deduct kshs.7,000 from a loan that i am capable of applying of kshs.38,000 yet this is my third loan application at which you had already deducted initial kshs. 3,000 that you had indicated on first time applicant please verify this as you keep changing rules and your regulations and I don't understand this at all.
    Thanks
    Bephine Nyawera Shiraho

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  • Bephine Nyawera    Jul 12, 2015

    am comfortable paying the above amount

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  • Bephine Nyawera    Jul 4, 2015

    thanks to zidisha lenders i received 18000kshs which i used to purchase more bales of second hand clothes which has boosted my profits tremendously. i had posted word of thanks but i dont know why it doesnt show on the website i hope this one will appear on my dashboard. thanks

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