Loan to grow my chop bar

Sarah Ntsiful

Madina, Accra, Ghana, Ghana

100% repaid

Entrepreneur

Name

Sarah Ntsiful

Member since

March 2015

On-time repayments

123 installments  •  75%

About Me

Sarah Ntsiful is my name. I am a Ghanaian. i had not all that a happy childhood but i am always grateful to my parents because anyhow they raised me was the best that they could do for me at that time given their financial strength. when i was a child i loved toys and i can still see that i love them except they are bigger toys now.
i am a high school graduate, i studied home economics in high school. so when it comes to cooking, that is my field.
My mother used to run a local chop bar, when i left school, i took it upon myself to run it for her since she was getting more older by the day. it was a decision i was scrutinized and humiliated about even by my own friends but i had faith in my own decision.
i took up this duty and today, DELIGHT CHOP BAR is one of the best if not the best in my locality. so i did not really had to start afresh i only took over from my sweet mother. Yet i had to take certain critical decisions at the work place since i have two workers helping me already. the dream is to expand it to a restaurant status and everyday when i walk in there in the morning, i remind myself of how we start with just two tables, myself and a cousin doing all the job and today, i have two workers and more than five tables with chairs for customers to sit on and eat.
i spend spare time reading books and listening to music. i love country music actually from Kenny Rodgers.
i have a dream to build the first restaurant in my locality and that quest is what has brought me on Zidisha platform today.

My Business

Delight chop bar, i operate a chop bar that serves local foods like fufu, Banku and soup and many others and also jollof rice and some few soft drinks as well.
People usually like to eat good food and the one in well hygienic environment like mine.i choose this kind of business because i saw an opportunity in growing something that my own mom have already started and also due to the high demand and the profit involved.
the truth is, since we are dealing with food, it is highly profitable. we make more than 50% profit on the expenditures we make daily. and this is a daily business. once you open the bar, people will surely come and eat.
Since i am not the sole owner of this business, although i take all the basic decisions, i am entitled to 60% of the profit and the rest goes to my mom and that is after deducting the wages of the two workers. i save 80% of my share of profit and live on 20%. i am happy for my mom since she can now fully rest whiles i run affairs at the Bar.

Loan Proposal

As of now , i am look for a $100 to boost my chop bar business. when my loan is entirely funded, i will use $50 to buy a bag of rice, $10 to buy new drinking cups, $10 for spoons and forks for eating, $20 for eating bowls and finally, $10 for liquid washing soap for the customers to wash their hands.
This loan will re structure my chop bar and will improve our customer care since the basic needs such as spoons, cups, washing soaps and even stock of rice to cook for sale. this will increase my profit margin and help make food readily available for the people of my community.....

Feedback

6

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Loan Info

Project Type

Classic Loan

Disbursed amount

$116.33

Date disbursed

Mar 27, 2015

Repayment status

On Time

Projected term

7 weeks

Cost to entrepreneur

Service fee: $2.15

Sarah opted to pay $44.19 into the Zidisha Members Loan Fund in return for a higher starting credit limit.

Lenders

sebastienrosa

Quebec, Canada

juliemartha

Lake Mary, United States

B

bek88

Fairview, United States

W

WinWinNL

The Hague, Netherlands

Evan Lamos

Brussels, Belgium

Kate Courteau

United States

HN

Hai Nguyen

Switzerland

D

Dinu

Switzerland

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

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  • John    Nov 10, 2017

    Hi Sarah
    I've not heard from you in a while how are you?
    John

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  • John    Dec 24, 2016

    Sarah
    My very best wishes for the season and new year ahead.
    John

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  • Sarah Ntsiful    Nov 27, 2016

    Hello my dear lenders, i trust that you are all doing great. I am doing fine. There is a situation which has made it that i reduce my repayment amount for the coming two weeks. kindly bear with me as i will increase it right after the stated time.
    thank you.
    Sarah

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  • Sarah Ntsiful    Oct 24, 2016

    Hello my dear lenders and Zidisha family, Thank you all somuch for the help and the new loan you have extended to me. I am so grateful and in appreciation for your support towards my dreams and aspirations in this life.
    I came to inform you all that i have received the loan in its full amount and i have hit the ground running.
    I would not have done much without your help despite my strong desire to succeed. I say thank you and God so bless you all.
    regards,
    Sarah.

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  • Sarah Ntsiful    Oct 20, 2016

    Thank you all very much my dear lenders for once again funding my project. This loan will take me so very far with my restaurant project.
    I will be buying bags of rice, cooking oil, spices for cooking and many more.
    Your kindness has brought me this far and surely I will keep going. Thank you all.
    Sarah .

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  • John    Oct 20, 2016

    Sarah
    I'm so pleased to see you have another loan funded. One more step towards your restaurant. Best of luck.
    John

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    • Sarah Ntsiful    Oct 24, 2016

      John
      I am more than Happy too. A step ahead always.Thank you very much for your help and time as always reaching out to communicate with me. I appreciate it very much.
      thank you.
      Sarah.

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  • John    Sep 21, 2016

    Hi Sarah
    Thank you for continuing your repayments and for letting us know from time to time how things are going. Keep up the good work.
    Best Wishes
    John

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  • Sarah Ntsiful    Jul 18, 2016

    Hello my dear friends and family whose help I cherish so much. thank you all very much for your support. I did encounter a bit of a problem and that has been responsible for my delays. it has been resolved halfway and due to that I came to ask that you bear with me as I reduce my amount for the coming few weeks. I promise to raise it as soon as possible.
    Once again, I thank you very much.

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  • Stephen Yeboah    Jul 16, 2016

    Dear Lenders,

    Please, I called Sarah and asked to make payment to clear her arrears, and she agreed with me that, next week everything will be OK. Thank you.

    Stephen Yeboah
    Volunteer Mentor

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  • Sarah Ntsiful    May 27, 2016

    Hello to my dear lenders, thank you very much for your help. Am forever grateful. Business has been quiet slow over some weeks due to the pouring of the rains. For that matter i will want to reduce my payment amount for some time, about four weeks so that i dnt fall into arears.
    Thanks for your patience.
    God bless you all..

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  • Stephen Yeboah    May 3, 2016

    Dear Lenders,

    Please, I phoned to Sarah and asked to make reschedule in order to make on time payment. She agreed with me to do it as soon as possible. Thanks for your patience.

    Stephen Yeboah
    Volunteer Mentor

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  • Sarah Ntsiful    Apr 25, 2016

    Hello my dear lenders. I was at the MTN office on friday but they did not resolve the situation for me and as i write i have still not been able to access my account. looking at the situation, i think i have to reschedule as i await MTN to correct the situation with my sim card.
    I am very sorry for the inconvenience at this time but kindly bear with me. Business is ok, so i once this is done, i will send funds immediately.
    thank you all.

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  • Sarah Ntsiful    Apr 20, 2016

    Hello to all my dear lenders and helpers. I have fallen back with payments. the reason is that i am having an issue with my MTN account and its access. i have been to their office and they have asked that i come back on friday .
    So kindly bear with me, business is good and for that matter i am not going reschedule. so i will get it sorted on friday and i will send all the arrears immediately after that.
    thank you for your patience with me...
    thank you all very much so see you on Friday.
    regards,
    Sarah Ntsiful.

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  • Sarah Ntsiful    Mar 23, 2016

    Hello, my dear lenders and friends...

    I want say a special thank you for all the help you have been giving me, and especially this one. I am very grateful, and I say God bless you all...

    This loan will help set up my business. As I wrote earlier, I have a lot of growth potential this year... and with this help alone, I think I will achieve it.

    I am so grateful...thank you all...

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  • Sarah Ntsiful    Mar 18, 2016

    Hello my dear friends, I need urgent help. kindly take a look at my discussions some have been missing and also i finished paying for my previous loan last week.
    i even postered another loan project but i woke up this morning to nothing and my repayment scrap down with my repayment percentage gone back to how it was before i made the last payment last week.
    this is giving me lost of headache. I Think it is a general problem with all Ghanaian members.
    Do take a look at the projects on the site. season it to that of Ghana alone you will see 30 or more but when you want to see the entire projects about only five appears. I need urgent help and that is why i choose to address it through this place and sorry for any inconvenience this may cause you..

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    • Roy    Mar 18, 2016

      Sarah,
      I understand there are big problems with the website, so it has been rolled back to a previous date.....I suggest you monitor the forum, and post a message there.....That way you will get a feel for how extensive the problem is.
      I do not see that I can do any more...Sorry,

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    • Wendy Emlyn    Mar 18, 2016

      Julia Kurnia has posted an announcement about it on the forum that will help you to understand what's gone wrong, Sarah

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  • Wendy Emlyn    Mar 9, 2016

    Thanks for your latest payment, Sarah. It looks as if your business is doing well.
    God bless you,
    Wendy

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    • Sarah Ntsiful    Mar 9, 2016

      Hello Wendy, thanks for taking time to reach out to me. i really appreciate it. thank you. Yes my business is doing very well. i am making lots of great sale now and am even planning to finish it up as early as possible. i Believe that i have a great growth potential this year and am working hard to reach that.
      Thank you very much.
      regards,
      Sarah..

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      • Roy    Mar 9, 2016

        Sarah, That is nice to hear.....What will you finish up as early as possible...If the business is going well, do you perhaps mean the loan? :-)

        Kind Regards,

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        • Sarah Ntsiful    Mar 18, 2016

          Hello Roy, I need urgent help. kindly take a look at my discussions some have been missing and also i finished paying for my previous loan last week.
          i even postered another loan project but i woke up this morning to nothing and my repayment scrap down with my repayment percentage gone back to how it was before i made the last payment last week.
          this is giving me lost of headache. I Think it is a general problem with all Ghanaian members.
          Do take a look at the projects on the site. season it to that of Ghana alone you will see 30 or more but when you want to see the entire projects about only five appears. I need urgent help and that is why i choose to address it through this place and sorry for any inconvenience this may cause you..

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  • Sarah Ntsiful    Mar 4, 2016

    hello to all my dear friends, i am very happy to write to you once again. i made my 29th February payment on that same date but it has not yet appeared and i have sent a mail to the office for help. i thought it wise to come and inform you about it.
    thank you for your help and patience...
    regards,
    Sarah..

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    • Roy    Mar 5, 2016

      Sarah, I am sorry to hear of the delay....
      Good luck.

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  • Sarah Ntsiful    Feb 19, 2016

    hello dear friends, its has been three days and my repayment is still not reflecting so i have send an email message to the support center with my payment details so they can help me trace my repayment and credit it for me. i will keep you updated on what happens next.
    thank you all...

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  • Sarah Ntsiful    Feb 16, 2016

    Hello to my dear friends and lenders,
    I hope you are all fine. Please, I made my payment for my outstanding loan payment today (Tuesday, the 16th) and very soon it will reflect.
    I am doing well, too... thank you very much for your support.

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  • Sarah Ntsiful    Jan 16, 2016

    Hello to all my dear lenders,
    Thank you all once again for this great help that you have given me.
    I am very grateful for your help. Thank you and God bless you all.
    Regards,
    Sarah

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    • (Comment deleted by author)

      • Sarah Ntsiful    Jan 19, 2016

        Thank you very much, Laurie, for the help. I am grateful for the help. I will surely put to good use the money as I have specified in my proposal....
        once again, I am grateful....
        Sarah.

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