Name
Esther
Member since
June 2014
On-time repayments
415 installments • 69%
My name is Esther Wanjiru and Kenyan citizen. I am a teacher of English and English literature. I am a second born in a family of five. I was born in Kiambu county Kenya where I went through my primary school education then secondary school. I later joined Kenyatta University where I took a course in Bachelor of Arts and later a post graduate diploma in Education. I later got employed as a teacher and posted to Mombasa County where I am still teaching.
I am a mother of two young children.
I started a business in 2010 to supplement my salary since I had difficulties in meeting my many expenses such as rent, school fees for my children, transport e and also helping out my ageing parents back home. I run a general shop where I sell common household items like flour, soap, sugar etc. I also sell cooking gas in cylinders. I also started a money transfer business (M-pesa) within the same establishment. I rely on two workers to run the business since I spend most of time in school where I work.
I am a go-getter, focused and very ambitious woman. I believe in integrity and hard work.
As stated above, I run a three in one business – the main one being the shop where there is a steady flow of shoppers who buy goods worth anything from $0.5 to $20 per shopper. I also sell gas cylinders in quantities of 3kg and 13kg at a retail price of $7 and $26 respectively. I also do a money transfer business (called M-Pesa locally) where I serve about 60 clients daily.
The three departments give me a net profit of about $650 per month – after paying the rent, other bills and salaries.
My business requires heavy investment for buying stock especially the gas section. I sometimes fail to cope with the demand of the gas cylinders since my stock gets depleted very fast especially during the end-month when most workers get paid. I have decided to join Zidisha to access credit which will enable me to build up my stock as this will bring satisfaction to my customers.
Ever since I borrowed my first loan with Zidisha, my business has grown by leaps and bounds. This unprecedented growth has come with some challenges. The space where I run my grocery business is now too small due to increased volumes of sale items. Fortunately, my neighbour who runs a similar business has opted to retire and he has offered to let his premises to me.
The budget for occupying this bigger space is as shown
1. Goodwill $300( it is a common practice in Kenya to compensate the previous occupier for building a client base who presumably will continue patronizing the business)
2. Fittings and branding $350
3. Enhanced security – grill doors and quality locks $300
4. Purchase of an extra refrigerator $300
All these items are crucial for the success of my ambitious venture. I also intend to hire an extra worker to cope with the anticipated increased sales volumes. I humbly request you lenders to support me in this continuing success story. Thank you.
Positive
4
Neutral
None
Negative
None
Project Type
Classic Loan
Disbursed amount
$1,333.00
Date disbursed
Jan 13, 2015
Repayment status
On Time
Projected term
14 months
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Amount repaid
$1,514.34
Amount remaining
$0.00
Date repaid
Feb 25, 2016
Status
Fully repaid
Expected Payments | Actual Payments | ||
---|---|---|---|
Jan 25, 2015 | $16.61 | Jan 28, 2015 | $16.61 |
Feb 1, 2015 | $16.61 | Jan 28, 2015 | $0.25 |
Feb 3, 2015 | $16.36 | ||
Feb 8, 2015 | $16.61 | Feb 3, 2015 | $0.49 |
Feb 10, 2015 | $16.11 | ||
Feb 15, 2015 | $16.61 | Feb 10, 2015 | $16.61 |
Feb 22, 2015 | $16.61 | Feb 10, 2015 | $0.99 |
Feb 24, 2015 | $15.62 | ||
Mar 1, 2015 | $16.61 | Feb 24, 2015 | $16.61 |
Mar 8, 2015 | $16.61 | Feb 24, 2015 | $1.48 |
Mar 10, 2015 | $15.12 | ||
Mar 15, 2015 | $16.61 | Mar 10, 2015 | $1.73 |
Mar 17, 2015 | $14.88 | ||
Mar 22, 2015 | $16.61 | Mar 17, 2015 | $1.98 |
Mar 26, 2015 | $14.63 | ||
Mar 29, 2015 | $16.61 | Mar 26, 2015 | $2.22 |
Apr 1, 2015 | $14.38 | ||
Apr 5, 2015 | $16.61 | Apr 1, 2015 | $2.47 |
Apr 9, 2015 | $14.13 | ||
Apr 12, 2015 | $16.61 | Apr 9, 2015 | $1.60 |
Apr 17, 2015 | $15.01 | ||
Apr 19, 2015 | $16.61 | Apr 17, 2015 | $1.28 |
Apr 23, 2015 | $15.33 | ||
Apr 26, 2015 | $16.61 | Apr 23, 2015 | $1.53 |
May 1, 2015 | $15.08 | ||
May 3, 2015 | $16.61 | May 1, 2015 | $1.21 |
May 8, 2015 | $15.39 | ||
May 10, 2015 | $16.61 | May 8, 2015 | $1.21 |
May 14, 2015 | $15.39 | ||
May 17, 2015 | $16.61 | May 14, 2015 | $1.46 |
May 21, 2015 | $15.15 | ||
May 24, 2015 | $16.61 | May 21, 2015 | $0.02 |
Jun 2, 2015 | $16.58 | ||
May 31, 2015 | $16.61 | Jun 2, 2015 | $0.27 |
Jun 9, 2015 | $16.34 | ||
Jun 7, 2015 | $16.61 | Jun 9, 2015 | $0.46 |
Jun 16, 2015 | $16.15 | ||
Jun 14, 2015 | $16.61 | Jun 16, 2015 | $16.61 |
Jun 21, 2015 | $16.61 | Jun 16, 2015 | $0.96 |
Jun 30, 2015 | $15.65 | ||
Jun 28, 2015 | $16.61 | Jun 30, 2015 | $16.61 |
Jul 5, 2015 | $16.61 | Jun 30, 2015 | $1.45 |
Jul 16, 2015 | $15.16 | ||
Jul 12, 2015 | $16.61 | Jul 16, 2015 | $16.61 |
Jul 19, 2015 | $16.61 | Jul 16, 2015 | $1.94 |
Jul 29, 2015 | $14.66 | ||
Jul 26, 2015 | $16.61 | Jul 29, 2015 | $16.61 |
Aug 2, 2015 | $16.61 | Jul 29, 2015 | $2.44 |
Aug 12, 2015 | $14.17 | ||
Aug 9, 2015 | $16.61 | Aug 12, 2015 | $2.69 |
Aug 19, 2015 | $13.92 | ||
Aug 16, 2015 | $16.61 | Aug 19, 2015 | $2.93 |
Aug 23, 2015 | $13.67 | ||
Aug 23, 2015 | $16.61 | Aug 23, 2015 | $3.18 |
Sep 2, 2015 | $13.43 | ||
Aug 30, 2015 | $16.61 | Sep 2, 2015 | $3.43 |
Sep 9, 2015 | $13.18 | ||
Sep 6, 2015 | $16.61 | Sep 9, 2015 | $3.67 |
Sep 16, 2015 | $12.93 | ||
Sep 13, 2015 | $16.61 | Sep 16, 2015 | $3.92 |
Sep 30, 2015 | $12.69 | ||
Sep 20, 2015 | $16.61 | Sep 30, 2015 | $3.94 |
Oct 8, 2015 | $12.66 | ||
Sep 27, 2015 | $16.61 | Oct 8, 2015 | $4.19 |
Oct 21, 2015 | $12.42 | ||
Oct 4, 2015 | $16.61 | Oct 21, 2015 | $4.44 |
Nov 3, 2015 | $12.17 | ||
Oct 11, 2015 | $16.61 | Nov 3, 2015 | $16.61 |
Oct 18, 2015 | $16.61 | Nov 3, 2015 | $16.61 |
Oct 25, 2015 | $16.61 | Nov 3, 2015 | $5.18 |
Nov 18, 2015 | $11.43 | ||
Nov 1, 2015 | $16.61 | Nov 18, 2015 | $16.61 |
Nov 8, 2015 | $16.61 | Nov 18, 2015 | $16.61 |
Nov 15, 2015 | $16.61 | Nov 18, 2015 | $16.61 |
Nov 22, 2015 | $16.61 | Nov 18, 2015 | $6.17 |
Dec 16, 2015 | $10.44 | ||
Nov 29, 2015 | $16.61 | Dec 16, 2015 | $16.61 |
Dec 6, 2015 | $16.61 | Dec 16, 2015 | $16.61 |
Dec 13, 2015 | $0.73 | Dec 16, 2015 | $0.73 |
Dec 20, 2015 | $2.81 | Dec 18, 2015 | $2.81 |
Dec 27, 2015 | $2.81 | Dec 18, 2015 | $1.69 |
Dec 27, 2015 | $1.12 | ||
Jan 3, 2016 | $2.81 | Dec 27, 2015 | $2.81 |
Jan 10, 2016 | $2.81 | Dec 27, 2015 | $2.81 |
Jan 17, 2016 | $2.81 | Dec 27, 2015 | $2.81 |
Jan 24, 2016 | $2.81 | Dec 27, 2015 | $1.69 |
Jan 27, 2016 | $1.12 | ||
Jan 31, 2016 | $2.81 | Jan 27, 2016 | $2.81 |
Feb 7, 2016 | $2.81 | Jan 27, 2016 | $1.69 |
Feb 8, 2016 | $1.12 | ||
Feb 14, 2016 | $2.81 | Feb 8, 2016 | $2.81 |
Feb 21, 2016 | $2.81 | Feb 8, 2016 | $2.81 |
Feb 28, 2016 | $2.81 | Feb 8, 2016 | $2.81 |
Mar 6, 2016 | $1.69 | Feb 8, 2016 | $1.69 |
Mar 13, 2016 | $168.54 | Feb 10, 2016 | $112.36 |
Feb 22, 2016 | $56.18 | ||
Mar 20, 2016 | $168.54 | Feb 22, 2016 | $56.18 |
Feb 24, 2016 | $112.36 | ||
Mar 27, 2016 | $168.54 | Feb 24, 2016 | $42.96 |
Feb 25, 2016 | $125.58 | ||
Apr 3, 2016 | $211.49 | Feb 25, 2016 | $211.49 |
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