Silpa
Mbita Township, Kenya
40% repaid
Name
Silpa
Member since
April 2015
On-time repayments
98 installments • 27%
I am Silpa Adoyo, I was born in 1976 in Migori County. I live in Kasgunga ward of Homa Bay County, Kenya. I completed my primary education but due to peer influence, I dropped off from school and got married at a very young age.
Marriage life was good but it was very hard to feed the two children we were blessed with in our marriage. Since my husband was also unemployed, I had no option but to venture into small scale business to be able to earn a living.
My eldest daughter has joined High School and youngest one is in final year of primary education. The business is supporting the family well and I look forward to expanding it further using funds raised from the ZIDISHA platform.
In my free time, I do visit my friends to share ideas and resources while encouraging one another.
I have run this business for the last 10 years. I am a small scale fresh fruits and grains trader mostly selling to the ultimate consumer, as my business has not expanded enough to make me a supplier. I mostly trade in fresh on farm products like; green maize (corn), rice, beans, green grams and lentils, to name a few.
I conducted some market research and did due diligence whereby I discovered that food products are very unlikely to lack a market because they are basic necessities. The target group for such kind of commodities is virtually everyone. Another motivation is that I wanted to contribute in food security and ensure it is done so by ensuring that my customers are always well supplied. I also need to operate with a license and the backing of the health sector, as the handling of food items is a sensitive matter. My monthly revenue is $ 90 on average and comes purely from selling the fruits and grains. My monthly costs go up to $40 on average, giving me a profit of around $ 50 per month. This profit goes towards my savings, my children education and meeting my family's expenses. I look forward to having a stable income from the business as it expands.
I need a loan of KES 36,104 to buy the following fresh food items;
- 20Kgs of green vegetables (kales) at KES6,104
-30Kgs of cabbages at KES 6,000
-4 crates of tomatoes at KES 9,000
-3 crates of assorted fresh fruits (mangoes, avocadoes, oranges, pineapple and pawpaw) at a cost of KES 15,000 for resale in my food kiosk in Mbita Open Air Market. This loan capital if injected into my business, the profit ration will grow by 40% and the business will expand so fast to reach break even point.
Positive
2
Neutral
None
Negative
None
Project Type
Classic Loan
Disbursed amount
$363.00
Date disbursed
Dec 1, 2015
Repayment status
Late
Projected term
17 months
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Amount repaid
$151.90
Amount remaining
$229.66
Expected completion
May 14, 2017
Status
Repaying late
Installment amount
$5.00
Expected Payments | Actual Payments | ||
---|---|---|---|
Dec 13, 2015 | $22.00 | Dec 21, 2015 | $22.00 |
Dec 20, 2015 | $0.00 | ||
Dec 27, 2015 | $0.00 | ||
Jan 3, 2016 | $5.00 | Jan 23, 2016 | $4.50 |
Jan 24, 2016 | $0.50 | ||
Jan 10, 2016 | $5.00 | Jan 24, 2016 | $5.00 |
Jan 17, 2016 | $5.00 | Jan 24, 2016 | $4.00 |
Feb 8, 2016 | $1.00 | ||
Jan 24, 2016 | $5.00 | Feb 8, 2016 | $5.00 |
Jan 31, 2016 | $5.00 | Feb 8, 2016 | $2.50 |
Feb 15, 2016 | $2.50 | ||
Feb 7, 2016 | $5.00 | Feb 15, 2016 | $1.50 |
Feb 28, 2016 | $3.50 | ||
Feb 14, 2016 | $5.00 | Feb 28, 2016 | $5.00 |
Feb 21, 2016 | $5.00 | Feb 28, 2016 | $1.00 |
Mar 10, 2016 | $1.50 | ||
Mar 21, 2016 | $2.50 | ||
Feb 28, 2016 | $5.00 | Mar 21, 2016 | $5.00 |
Mar 6, 2016 | $5.00 | Mar 21, 2016 | $2.50 |
Apr 6, 2016 | $2.50 | ||
Mar 13, 2016 | $5.00 | Apr 6, 2016 | $1.00 |
Apr 6, 2016 | $4.00 | ||
Mar 20, 2016 | $5.00 | Apr 6, 2016 | $0.50 |
Apr 9, 2016 | $4.50 | ||
Mar 27, 2016 | $5.00 | Apr 12, 2016 | $5.00 |
Apr 3, 2016 | $5.00 | Apr 12, 2016 | $1.50 |
Apr 18, 2016 | $3.50 | ||
Apr 10, 2016 | $5.00 | Apr 18, 2016 | $1.00 |
May 1, 2016 | $4.00 | ||
Apr 17, 2016 | $5.00 | May 1, 2016 | $0.50 |
May 27, 2016 | $3.30 | ||
Jun 16, 2016 | $1.20 | ||
Apr 24, 2016 | $5.00 | Jun 16, 2016 | $3.30 |
Jul 6, 2016 | $1.70 | ||
May 1, 2016 | $5.00 | Jul 6, 2016 | $1.30 |
Jul 13, 2016 | $3.70 | ||
May 8, 2016 | $5.00 | Jul 13, 2016 | $1.30 |
Jul 25, 2016 | $2.00 | ||
Jul 27, 2016 | $1.70 | ||
May 15, 2016 | $5.00 | Jul 27, 2016 | $5.00 |
May 22, 2016 | $5.00 | Jul 27, 2016 | $0.50 |
Aug 6, 2016 | $2.20 | ||
Aug 10, 2016 | $2.30 | ||
May 29, 2016 | $5.00 | Aug 10, 2016 | $0.70 |
Aug 29, 2016 | $3.00 | ||
Sep 12, 2016 | $1.30 | ||
Jun 5, 2016 | $5.00 | Sep 12, 2016 | $0.70 |
Sep 19, 2016 | $2.70 | ||
Oct 8, 2016 | $1.60 | ||
Jun 12, 2016 | $5.00 | Oct 8, 2016 | $3.40 |
Nov 26, 2016 | $1.60 | ||
Jun 19, 2016 | $5.00 | Nov 26, 2016 | $3.40 |
Dec 23, 2019 | $1.60 | ||
Jun 26, 2016 | $5.00 | Dec 23, 2019 | $1.90 |
Jan 25, 2021 | $3.00 | ||
Jul 3, 2016 | $5.00 | ||
Jul 10, 2016 | $5.00 | ||
Jul 17, 2016 | $5.00 | ||
Jul 24, 2016 | $5.00 | ||
Jul 31, 2016 | $5.00 | ||
Aug 7, 2016 | $5.00 | ||
Aug 14, 2016 | $5.00 | ||
Aug 21, 2016 | $5.00 | ||
Aug 28, 2016 | $5.00 | ||
Sep 4, 2016 | $5.00 | ||
Sep 11, 2016 | $5.00 | ||
Sep 18, 2016 | $5.00 | ||
Sep 25, 2016 | $5.00 | ||
Oct 2, 2016 | $5.00 | ||
Oct 9, 2016 | $5.00 | ||
Oct 16, 2016 | $5.00 | ||
Oct 23, 2016 | $5.00 | ||
Oct 30, 2016 | $5.00 | ||
Nov 6, 2016 | $5.00 | ||
Nov 13, 2016 | $5.00 | ||
Nov 20, 2016 | $5.00 | ||
Nov 27, 2016 | $5.00 | ||
Dec 4, 2016 | $5.00 | ||
Dec 11, 2016 | $5.00 | ||
Dec 18, 2016 | $5.00 | ||
Dec 25, 2016 | $5.00 | ||
Jan 1, 2017 | $5.00 | ||
Jan 8, 2017 | $5.00 | ||
Jan 15, 2017 | $5.00 | ||
Jan 22, 2017 | $5.00 | ||
Jan 29, 2017 | $5.00 | ||
Feb 5, 2017 | $5.00 | ||
Feb 12, 2017 | $5.00 | ||
Feb 19, 2017 | $5.00 | ||
Feb 26, 2017 | $5.00 | ||
Mar 5, 2017 | $5.00 | ||
Mar 12, 2017 | $5.00 | ||
Mar 19, 2017 | $5.00 | ||
Mar 26, 2017 | $5.00 | ||
Apr 2, 2017 | $5.00 | ||
Apr 9, 2017 | $5.00 | ||
Apr 16, 2017 | $5.00 | ||
Apr 23, 2017 | $5.00 | ||
Apr 30, 2017 | $5.00 | ||
May 7, 2017 | $5.00 | ||
May 14, 2017 | $4.56 |
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