Loan to buy farming water pipes

Joseph

O.rongai, Kenya

100% repaid

Entrepreneur

Name

Joseph

Member since

January 2016

On-time repayments

50 installments  •  78%

About Me

I am happy to get this opportunity.
First in our days we were less educated and that is why we opted for farming and doing other business.
My childhood was full of challenges and and not all of my brothers and sisters were able to go to school.I managed to reach only secondary education due to financial problems that my old parents had.
i was able to study basics education while helping my parents with farming and rearing livestock.When i grew up i was fully experienced as a farmer.My father gave me a piece of land to cultivate and it is my love for horticulture that i started farming at a 2 Acres piece of land.This is how i came to start my job that unto today has educated my children and made me live a better life.What is unique about the culture of the place i live is that,community embrace one another and life harmoniously helping one another.My children would want to have a helpful father,who can educate them and bring them up in a good way possible.
My unique hobby is helping the needy especially in my community where the government not reached to help the poor.
Thank you.

My Business

Well, i offer Horticulture farm produce.
These includes,vegetables,fruits like pawpaw,Tomatoes,Bananas,lettuce and a few cattle.These goods are always on demand because they add to the ingredients in our diets and are food product that everyone cannot live without.I choose this kind of business because i was experienced and i loved farming since i was young beside giving giving me money and profit.
My typical cost are usually labor cost of preparing the land to plant items,cost of buying seeds,fertilizers, spraying chemicals buying and transport to the market.
My profit is usually used to meet these coasts and catering for my children as well a helping my parents and needy in the society.

Loan Proposal

With the first loan, will be able to buy more cabbages and Kale seeds of vegetables at a cost of USD12.00 and 15.00 respectively.
I will also buy chemicals at a cost of 13.00 for both.
On the list also will be fertilizer to add in the preparation for the land at a cost of USD17.00.
This will be of great help to me since it is now the summer and the product is almost less supplied in the market.Unlike other years where on summer i have nothing to take to the Market,this time round i will bet big on the product once it matures.
In a dry season i usually get less than USD300.00 now with this boost i am set to cash in USD500.00 with this project.
This will be a great achievement.
Thank you.

Feedback

None

None

None

Loan Info

Project Type

Classic Loan

Disbursed amount

$200.00

Date disbursed

Feb 4, 2016

Repayment status

On Time

Projected term

7 months

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

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  • Charles    Jan 26, 2017

    Hello lenders, Joseph will very soon resume paying his loan and will pay the arrears.
    I will keep you updated on the same.

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  • Joseph    Jan 10, 2017

    Hi lenders, you gave me the reason to smile and will always thank you for the opportunity.
    I would like to inform you that my business has not been going on in the past few weeks following an unspecified loss of crops due to lack of water supply.I am doing everything i can to bring normalcy and start paying my loan on time from next month of February.
    Thank you.

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    • Kate Goodwin    Jan 16, 2017

      Oh no - that's unfortunate! Best wishes on troubleshooting and getting back on track. Good luck!

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  • Joseph    Dec 27, 2016

    Hello lenders, it has been a time of holiday where many businesses don't operate throughout.I am determined to make a come back and continue withmy normal business.
    Thank you and God bless.

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  • Joseph    Dec 9, 2016

    Hello lenders, i am still making effort to catch up in my business and clear the arrears.
    Thank you.

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  • Joseph    Sep 17, 2016

    Hello lenders, i am good and taking my business to a another whole new level.This is because your funds have boosted me greatly and i am very certain that my success will enable me repay your loan comfortably and grow my business.
    Thank you.

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  • Joseph    Sep 5, 2016

    Hi lenders, i was happy to receive the funds.I am now heading for restocking and buying the items and products i had budgeted to buy for my business.
    Thank you and God bless you abundantly.

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  • Joseph    Sep 2, 2016

    Hi, lenders I want to thank you for giving me another chance to boost my project and achieve my dreams. I have been good and doing very well.
    Once I get this loan I will buy more of the farming inputs.
    I will buy Seed treatment chemicals at $34.00 and Storage chemicals at a cost of $26.00
    Also I will buy assorted Fungicides, Insecticides & Herbicides chemicals for various crops all at a cost of $45.00,
    I will also buy new improved Seed for vegetables and Cabbages each at a cost of $35.00 and $40.00 respectively.
    Also Urea DAP & CAN Mineral fertilizer for the crops such as cabbages, carrots e.t.c at a cost of $40.00 and $30.00 respectively.
    I will also buy various water pipes and connectors at a cost of $42.00
    Since we’re again heading to summer season and the food products in the market is always low, i am expecting to make a good profit out of this farming season. My happiness is that with ready money i will be preparing my farm and setting water supply ready without worrying about the source of funds. I will be selling the first batch of farm produce in two months time.
    The profit I will get will again help me in repaying your loan without delay and meet my daily expenses. My family will be able to get food; my wife will expand her business of dressmaking and add to our income. I will continue to support my grandsons in their education. On the other hand I will be contributing towards child help welfare through our church fundraising. I feel well motivation y your help of funds and I pray God to give you health and happy life.
    I thank you Lenders and Zidisha.

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  • Joseph    Aug 31, 2016

    Well thank you lenders, I have been good and doing great.
    The following is the list of the items and goods i bought with the loan;
    First I bought assorted chemicals for various crops at a cost of $13.00,
    Also I bought Seed for vegetables and Cabbages each at a cost of USD11.00 and 14.00 respectively.
    I also bought DAP & CAN fertilizer for the crops such as cabbages, carrots e.t.c at a cost of USD8.00 and USD7.00 respectively.
    It was summer and the food product was low in the market, so i made a good profit. I didn’t waste time sourcing money from elsewhere; I concentrated with farming and selling the ready products in the market.
    I made a good progress during that dry season. I made around USD450.00 exactly as I had focused. The profit gain helped my in repaying your loan very fast and met my expenses. My children are able to get food; my wife was very happy and helped my grandsons with fees for their education. I also contributed towards children help in our fundraising at our church. I am stress free and doing farming with a lot of motivation.
    It was amazing!
    Thank you lenders and Zidisha.

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  • Joseph    Aug 16, 2016

    Hi lenders, i am good and busy doing my business.I have a dream to move up in business success and live a better life.
    I am ready to work and pay the ultimate price for success.
    Thank you.

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  • Joseph    Jul 29, 2016

    hi lenders, my business is doing well and i want to add to my weekly contribution to prepare for better business tomorrow.
    Thank you.
    Regards,
    Joseph.

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  • Joseph    Jun 9, 2016

    Hello lenders i have been having some sort of financial challenges and i promise to make up for the time in the coming days.
    I will pay today.
    Thank you.

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  • Charles    Jun 9, 2016

    Hello lenders, i have talked to Joseph Obiri.He has told me that he had some delay of money he was waiting for and promises to pay today.Will be updating you on the same.
    Thank you.

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  • Joseph    Feb 21, 2016

    Hi lenders, i would like to reduce this week installment.I was a way for some days and i didn't do much business.In the coming days i express confident that things will be better.
    Thank you.
    Regards,
    Joseph.

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  • Joseph    Feb 15, 2016

    Some Common Fruits..

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  • Joseph    Feb 15, 2016

    Hello lenders, the following is the list of the goods i bought with the loan;
    I bought assorted chemicals at a cost of 13.00,
    I also bought Seed for vegetables and Cabbages each at a cost of USD11.00 and 14.00 respectively.
    I also bought DAP & CAN fertilizer the land at a cost of USD8.00 and USD7.00 respectively.
    Now with the summer and the product is always low in the market i will make a good profit.I will not waste time sourcing money from else where, i will concentrate with farming and selling the ready products.
    During dry season i used to make around USD300.00 now with this loan available i will get an increase of up to USD450.00.
    This will be wonderful!
    Thank you.

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  • Joseph    Feb 6, 2016

    Hello lenders, I am glad to receive my first loan.
    I received exactly the figure I was expecting of around USD60.00
    I than you so much for the support.
    Later I will post for you the list of the goods i will buy with the money.
    Than you to Zidisha too.
    Regards,
    Joseph Obiri.

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  • Joseph    Feb 3, 2016

    I take this early opportunity to thank you my lenders for your selfless help and support towards funding my project.I look forward to work and show an exemplary true spirit of togetherness and being faithful.
    Thank you Lenders and Zidisha Family.
    Yours,
    Joseph Obiri.

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  • Joseph    Jan 29, 2016

    Thank you Zidisha family and to the lenders, i promise to stay true to you as you prepare to help me during this hard time i have.
    Thank you.
    Joseph Obiri.

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