Loan to expand my business

Joyce Wambui

Embakasi Estate, Kenya

10% repaid



Joyce Wambui

Member since

July 2012

On-time repayments

318 installments  •  60%

About Me

I am a single mother aged 39 years old. I ahve two children who depend on me since they do not have stable jobs. I got my first child at an early age when I was still at primary school. I therefore stayed at home for one and a half years and went back to school thereafter.I continued with my education and managed to join high school. Unfortunately I dropped out of school at form two after an abrupt death of my grand father who was our sole breadwinner. I therefore opted to help my grandmother with home chores as I could not go back to schools as there was no one to pay school fees for me. It reached a point when I could not depend on them any further and I therefore decided to leave the village for greener pastures. I got employed as a house-help for a three(3) years and I managed to save some money and started a green grocer. I was in this business for one year and decided to change to another business. I started a small Beauty shop which am doing upto date. I would like to expland my busines

My Business

I operate a beauty and cosmetics shop. I deal in both men and ladies products like handbags, belts, earrings, necklaces, shoes, scarfs, socks, trousers e.t.c. There is demand for this product because I sell the products which are on fashion and at a reasonable and affordable prices. I also sell to other traders at wholesale prices and they go to sell to other customers. My customers like my shop because they say the prices are good. they also say that they like my services that is the way i service them. I also give my goods on credit and they do not fail me. my business is situated at a bus stop and therefore I am able to attract many customers. i also send my son to vendor the goods in the nearby estates. He does door to door services and sometimes goes to sell them in the city center and in the offices. some customers who are not able to travel send me to Kampala to bring them their goods and charge them a fee for the services. My monthly expenditure include house rent, transport,school fe

Loan Proposal

Hey lenders am here again so that we continue .once i will get that loan i will first of all renovate my shop as usual so that it will become more smarter i will use about 20000 to renovate 50000 for a tent so that my room will be abit bigger also i will use about 40000 for a small party to congratulate my customers for being with me i will also use about 100000 for adding stock and the rest i will settle with rent and my family .Thank you and God bless you all as you continue consider me





  • camilberlin    May 2, 2017

    Again paid back fully and on time, and kept us updated about how she is doing. Would lend again any time (in fact I just did).

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Loan Info

Project Type

Classic Loan

Disbursed amount


Date disbursed

May 31, 2017

Repayment status


Projected term

33 months

Cost to entrepreneur

Service fee: $210.49



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  • Joyce Wambui    Nov 17, 2018

    Morning my lenders.I know i have a pending loan and i got your message that you send it to me.Am here to express myself,please as you know we have been going on well with other loans.I have been going through difficult things almost the whole of this year i was totally very sick and that why my loan was on pending please .Am a single mother and my children are not able so my hospital bills were depending my business. But for now i praise God am abit ok i can stand with my legs and i hope everything will be ok. Please give me a chance at least for a few months. God bless you as you consider me. Thank you

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  • Joyce Wambui    Feb 12, 2018

    Hey my good lenders. First of all i thank God for this chance and also to salute you all. I want to change my repayment from 400 to my business is not all that bad. Thank you and God bless you

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  • Joyce Wambui    Dec 4, 2017

    Morning to my good lenders i would like to reduce my payment so that i could make myself comfortable with my payment. Business here is beoming difficult but i know it will be okey very soon. Good day and God bless you

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  • Josphat Munywoki    Dec 4, 2017

    hi lenders have called wambui and she is paying as she has already started to pay.thank you.

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  • Joyce Wambui    Dec 2, 2017

    Hey my good lenders am here to explain myself because i want to reduce my repayment. Am very sorry to disturb you again but according to my situation. please my business has is not all that good but when it will stand i will inform you and i hope all will be well. Thank you and God bless you.

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  • Josphat Munywoki    Aug 4, 2017

    hi lenders have talked to Family Member: Brian mwangi ,and he has promised to consult her for payments.thank you.

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  • Josphat Munywoki    Jul 31, 2017

    hi lenders have been talking to Joyce and she has promised to pay as well as adjust her payment schedule to accommodate the situations.due to forthcoming elections business has dropped down since many city residence are flocking to the reserves for voting but we hope all its going to be well.thanks for your patience.

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  • Joyce Wambui    Jun 13, 2017

    Hi my good lenders,sorry for inconvenient .I would like to reduce my payment because i have started a new project with the loan you lend me and for i know to start a new project you have to look for customers and to make them understand .That's why i was requesting you to understand me but the moment i will come through with it i will just come to my normal payment.Thank you and God bless you as you consider me.Good day.

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  • Joyce Wambui    Jun 7, 2017

    Hey lenders i thank you all of you .my loan was disbursed all to me though it takes time but i got it well.Now am still going on with my business although i had started another project and i think all will good .Thank you and God bless you.Good day

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  • Joyce Wambui    May 25, 2017

    Hey my good lenders hope you are doing good. Me too am still being patient waiting for my loan to be fully disbursed hope you will do so,so that i can do my plans .Thank you and God bless you

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  • Kitty    May 15, 2017

    Best wishes for your expansion plans

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  • Stephen Mungai    May 13, 2017

    Dear lenders may God Almighty bless you for supporting Joyce's project by funding her loan. Joyce congratulations once again for making it for funding. You're are a motivation to me. Would you mind sharing with me your number I would like to meet you to learn more about your journey in Zidisha to this far.

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  • Joyce Wambui    May 12, 2017

    Hey my lenders first of all i thank God for this far we are going and i also thank all my lenders to fulfil my dream.As i get this loan i know it will be a big benefit to me because my business will stand more firm and i hope it will support me as well as i know .Thank you very much and God bless you all.

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  • Joyce Wambui    May 10, 2017

    Morning my good lenders ,its now 2 days remaining on my loan application please lend me so that i continue with my business as i had planned .Than you and God bless you as you continue considering me.good day

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  • Joyce Wambui    May 7, 2017

    Morning my lenders..... Its now one week after i apply my loan .hope you will not disappoint me and i hope my dream will succeed .good day and God bless you

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  • Stephen Mungai    May 6, 2017

    Dear Wambui,
    I take this opportunity to congratulate you for your great discipline hardwork and commitment.Growing this far shows a high level of responsibility. You are a motivation to me and many in zidisha. May God Almighty bless you. And see your lenders through as they purpose to continue supporting you.

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  • Joyce Wambui    Apr 28, 2017

    Hallo lenders am here applying another loan so that i continue with my business .Am very happy about zidisha loan for i know it means a lot to me and my family and i hope you are going to lend me please .Thank you and God bless you

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  • Joyce Wambui    Mar 14, 2017

    Morning my lenders hope you are doing good.Am also doing good.I send an invitee for betishi but it has not yet accepted i would like to know what's wrong with it or what is happening.thank you and God bless you ..........good day

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  • Joyce Wambui    Feb 7, 2017

    Morning my lenders.I just come to say a big thanks to you.My business is well going good and am sure i will manage to pay my balance on time if God wishes .Have a blessed day my good friends

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  • Joyce Wambui    Dec 21, 2016

    Hey lenders..........I wish you a merry Christmas and a happy new year

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