Loan to buy bales of second-hand 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 am applying for a loan to stock up for more bales of second hand clothes and shoes. I have diversified in other markets hence i need more stock. Customers are streaming up more and more thanks to zidisha.

Feedback

4

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Loan Info

Project Type

Classic Loan

Disbursed amount

$1,276.52

Date disbursed

Feb 15, 2017

Repayment status

On Time

Projected term

8 months

Cost to entrepreneur

Service fee: $53.90

Lenders

T

Tmann

Los Angeles, United States

Q

Quomar

Żmigród, Poland

K

Krokslatt

Mölndal, Sweden

cyrus0302

San Francisco, United States

AltruisticSelfishnes

Chicago, United States

ErikN

Stockholm, Sweden

Kjartan

Oslo, Norway

Pere

Barcelona, Spain

T

ToddK

Indianapolis, IN, USA, United States

C

cjmenchaca

Austin, United States

E

elkbrett

Bradenton, United States

TheWhiteCat

Surrey, United Kingdom

Dan Haynes

Bozeman, United States

indeh

London, United Kingdom

Cloudways

Malta, Malta

B

BClay

Campbell, United States

L

leniwiec

Poznan, Poland

ads68

Melbourne, Australia

P

Prysdahl

Marshall, United States

Christopher

Copenhagen, Denmark

M

mkellerman

Shanghai, China

JC

Jordi Cohen

New York, NY, United States

fairspirit

Utrecht, Netherlands

Gordons28

Santa Monica, United States

BF

Bob Fitzjohn

Fontvielle, Monaco, Yemen

GarmdGriek

Oslo, Norway

gseletko

South Perth, Australia

mojobob

Hayward, United States

P

Pavane

Kungsbacka, Sweden

JonB

London, United Kingdom

C

cranejoad

cazenovia, United States

xtrahardware

Cazenovia, United States

Richard Griebe

La Jolla, United States

E

E

Marin county, United States

C

Clben7

Cincinnati, United States

Evan Lamos

Brussels, Belgium

G

guggl

Vienna, Austria

Paul Buchheit

Mountain View, United States

BuckeyeBob

Ohio, United States

S

sarah4d2

Saint Louis, United States

mepster

San Francisco, Ca, United States

W

wesbh89

United States

Mun

Orlando, FL, United States

Grant Xavier Storer

Seattle, Wa, United States

Loungin

United States

Bryan

Houston, United States

S

satheajay

United States

SuperMario28

Cudahy, United States

Kyle Hoback

Jersey City, NJ, United States

Voscke

Utrecht, Netherlands

Mike and Jacqui

United Kingdom

S

Stephan

Netherlands

Haim Si

Mexico, Mexico

Frank Termathe

Frankfurt Main, Germany

E

Erich

Zurich, Switzerland

M

Marcus86257

United States

Family Mueller

Petershagen, Germany

D

dsfranz

Gaeta, Italy

MW

Matt Willis

United States

Elly

Woudrichem, United Kingdom

MB

michael breen

United Kingdom

M

Marc

Newcastle upon Tyne, United Kingdom

T

Trish

New Zealand

ME

Manaal Eisa

Washington DC, United States

F

Florian

Munich, Germany

Pedro R-C

Cambridge, United States

Martin Nielsen

Aarhus, Denmark

PG

Paul Graham

United States

A

Andrei

United States

A

Adam

United Kingdom

SH

Steven Huntington

London, United Kingdom

Thomas

Sweden, Sweden

kt

Brush Prairie, United States

JC

Justin cohan

United States

K

Katka

St Albans, United Kingdom

DK

Danny Kelly

United States

SR

Sharyn Ribich

United States

A

anniewynkoop

United States

H

Heather

United States

JA

Jan Andresen

Hamburg, Germany

Sinan Taifour

Munich, Germany, Germany

J

Jon

United States

cchhrriiss

Munich, Germany

Craig Newmark

United States

The Zinc Team

San Francisco, United States

Benjamin Kniaz

Boston, United States

MO

Mark Owens

United States

SH

Stephanie He

United States

WS

Warren Shen

United States

Humble Bundle Community

San Francisco, United States

BE

Bob Ewing

United States

D

Dalton

San Francisco, United States

A

Anonymous

United States

The Weltys

Averill Park, NY, United States

E

ericb321

Republic of Korea

Helper

United States

MH

Meika Harris

United States

KK

Kurt Kellner

United States

A

Andrew

United States

R

RMIM

United States

DW

Dan Winetsky

United States

Paul Buchheit

Mountain View, United States

A

Anonymous

United States

John Barnett

United States

R

rica

United States

D

dsf

United States

SF

steven frank

United States

AB

Ashira Blazer

United States

JG

Jake Gibson and Beverly Picardo

San Francisco, United States

MR

Mary Reardon

United States

JS

jackson silvey

United Kingdom

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

Please log in to comment.

  • 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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