Loan to buy bales of second hand clothes and shoes

Bephine

Kisumu, Kenya

100% repaid

Entrepreneur

Name

Bephine

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

With demand of my customers i am applying for loan to help me manage to sell quality second hand clothes of different designs plus i will also sell to them shoes as well. My customers also involve college pupils who buy clothes and shoes every other week. so i need more and more bales to make my supply more efficient.

Feedback

4

None

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Loan Info

Project Type

Classic Loan

Disbursed amount

$573.00

Date disbursed

Apr 29, 2016

Repayment status

On Time

Projected term

4 months

Lenders

Pranjal

Noida, Kenya

V

vidarlil

Sandefjord, Norway

tjm212003

Montreal, Canada

B

bgalon

London, United Kingdom

H

Hilke

Bremen, Germany

G

Givemoreuseless

Waterloo, Canada

D

Delph007

Den Haag, Netherlands

A

arenk

Karlsruhe, Germany

P

pewatz

Tuebingen, Germany

S

Spock

Koeln, Germany

J

JenJen

New York, United States

J

johan

Oslo, Norway

T

tatts2000

melbourne, Australia

malcolm D

grants pass, United States

C

Catolas

Kelowna, Canada

AdamP

Sunnyvale, United States

A

Anonymous

United States

G

Gastao

Covilhã, Portugal

D

drjofleming

UK, United Kingdom

E

Ehaffey

Washington D.C., United States

Johnny

shanghai, China

lietu

Tallinn, Estonia

O

Oliver

Geneva, Switzerland

I

ideerge

Mountain View, United States

Tilius

Oslo, Norway

J

JBosshardt

Redmond, United States

Rocketdrive

Eugene, Oregon, United States

J

jozua

Delft, Netherlands

K

Kerkeslager

Richmond, United States

johnnorris

Aberystwyth, United Kingdom

I

Interfree

Dubai, United Arab Emirates

B

bgnet

Kalamazoo, United States

Z

zako316

Chicago, United States

J

jyoshiyama

Hilo, United States

T

traderjohn

Baltimore, United States

Tjitser

The Hague, Netherlands

J

javakonsole

Berlin, Germany

ZlataRoy

Cheltenham, United Kingdom

F

FaaThailand

Bangkok, Thailand

R

rcmssr

Woodbury, United States

MichaelDean

San Jose, United States

F

Fletch14

United States

A

Aloha

Cologne, Germany

M

markj

Camberwell, Australia

J

Jacquinta

London, United Kingdom

A

aliasadsj

Queens, NY, United States

E

evanglend

Arlington, United States

T

ToddK

Indianapolis, IN, USA, United States

B

Bobby39

Savannah, United States

S

Steveandson

Arlington, United States

J

JakeA

Wellington, New Zealand

quozl

Dublin, Ireland

K

kingmark1

Calgary, Canada

A

ante1

trosa, Sweden

OliverSouthwick

London, United Kingdom

J

John

Newbury Park, CA, United States

J

Joyful

Philadelphia, United States

Joseph P. Edd

Seoul, Republic of Korea

T

theshots

Vancouver, Canada

MatthewHaight

Montgomery Village, United States

E

EveleighT

Arlington, VA, United States

Aggul

London, United Kingdom

B

blahblah

Nuernberg, Germany

H

Halli

Bottrop, Germany

T

thejacobnorton

Jubail, Saudi Arabia

J

jdhowa2

Louisville, KY, United States

TheWhiteCat

Surrey, United Kingdom

beverly

Vancouver, Canada

J

jjonas

berlin, Germany

EmilAsker

Lomma, Sweden

M

mgeck

Munich, Germany

HE

help each other

Glasgow, United Kingdom

F

fisaire

Ithaca, United States

G

grahamfamily

Guildford, United Kingdom

ProfStick

Grassy Head, Australia

indeh

London, United Kingdom

athomas

Chevy Chase, United States

D

Divergent

Bethesda, United States

Shasta

Erie, United States

W

wordelsue

MIDWEST, United States

P

planespotter

Berlin, Germany

P

penguin3694

Chicago, United States

R

rpmccarthy

Sydney, Australia

borscht

Golden, United States

S

Sammlung

Glendale, United States

K

keane2097

Ranelagh, Ireland

braccino

Settimo Milanese MI, Italy

B

BClay

Campbell, United States

R

RobBne

Brisbane, Australia

M

marcelitohb

Bremen, Germany

ads68

Melbourne, Australia

R

Rking

Eugene, United States

Bhayl

Stavanger, Norway

O

Oscart

Edmonton, Canada

M

mkellerman

Shanghai, China

L

leeirel

Edmonton, Canada

basicus

Cairo, Egypt

S

sersche

Zurich, Switzerland

A

alkemyst

Geneve, Switzerland

M

memorissima

milano, Italy

Gordons28

Santa Monica, United States

bycyt

Whitefish, United States

K

KnutG

Bergen, Norway

BF

Bob Fitzjohn

Fontvielle, Monaco, Yemen

C

caz32

chertsey, United Kingdom

neocodesoftware

vancouver, Canada

indrayudha

Jakarta, Indonesia

U

usualsuspect

Amsterdam, Netherlands

isabelv

Barcelona, Spain, Sweden

iamdaimo

London, United Kingdom

Zal0m0n

Atlantis!!!! x), Mauritania

gseletko

South Perth, Australia

H

howard

Vence, France

mohita

delhi, India

P

PaddyP

athenry, Ireland

S

Spelbreker

Zwijnaarde, Belgium

Lambie

Perth, Australia

A

adamtj

toronto, Canada

tonnyschonewille

Maastricht, Netherlands

dmirpuri

Bangkok, Thailand

Matthieu

Switzerland, France

H

harrymore

Townsville, Australia

Richard Griebe

La Jolla, United States

DJBic

Clinton, United States

HealthcareProvider

Baltimore, United States

Evan Lamos

Brussels, Belgium

L

lobotommy

OSLO, Norway

G

GanSatya

United States

sderickson

Berkeley, CA, United States

O

oonbug

United States

J

janakan

Hong Kong, Hong Kong

M

microlender

United States

G

gbelote

United States

D

drorm

United States

S

spivurno

United States

M

meric

Australia

S

science4sail

United States

Paul Buchheit

Mountain View, United States

BuckeyeBob

Ohio, United States

J

jay12

Germany

Pankratio

EastVan, Canada

K

Karpet

Faroe Islands

A

ajayhk

San Jose, United States

H

hodor

Australia

M

madeleinec

United States

A

Arkad

United States

P

Panda6689

United States

W

wesbh89

United States

S

SaraNT

United States

I

idris

United States

S

SCHAC

Switzerland

J

JeremyR

United States

R

Ruj-ura

Thailand

Mike and Jacqui

United Kingdom

TF

Timothy Fitz

United States

AL

Amy Luo

United States

Robert

Sweden

M

Mathias

Cologne, Germany, United States

Craig Newmark

United States

The Zinc Team

San Francisco, United States

WS

Warren Shen

United States

Humble Bundle Community

San Francisco, United States

RG

Ryan Gough

United States

Ellen

Michigan, United States

MP

mark ptak

United States

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

Please log in to comment.

  • Rose    Sep 8, 2018

    Nilijaribu nikapewa but sina invite na naomba ya mume wangu please

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  • Rose    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    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    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    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    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    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    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    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    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    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    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    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    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    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    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    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    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    Jul 12, 2015

    am comfortable paying the above amount

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  • Bephine    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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