Name
Joyce
Member since
August 2014
On-time repayments
77 installments • 29%
My name is Joyce Wanja, I was born in Limuru near the capital city of Nairobi – Kenya. I went to school and later did a course in hairdressing. I got married five years ago and I am a mother of two – one boy and a girl aged four and two years respectively.
I separated with my husband early last year after he became a habitual drunkard and even turned abusive. I left his house with my children and I am their bread winner. I later got a job as a waiter in a local hotel but the pay was too little so I decided to venture into selling (hawking) used clothes business. I started this business in December last year and the income is a bit better that what I was getting in the hotel. I even managed to put my first born to a kindergarten and the little one to a day care center.
I work very hard to make end meet and to provide for my young family. I am also active in my church where I belong to praise and worship team.
I have been selling second hand clothes for a while until a few months ago when I abandoned it due to low profitability. I am currently running a makeshift eatery where I serve food to laborers who mostly work in construction sites here in town.
I like this business because it is more predictable and there is prospects look good. It is a business still at its infancy but I am optimistic it will do well especially with support of my reliable and able partner - Zidisha.
If I am given this loan, I will spend it as follows:
1. Rent for the stall at @ $50
2. Local business permit for one year $70
3. Branding $30
As seen in the budget. I have planned to spend all the money on this project. I have longed for the day that will come and I have a place of my own. I hope and pray that Zidisha will make this happen through this credit. I promise to repay the loan as scheduled since this is a sure way of lifting me out of the cycle of poverty that I find myself in at the moment.
Positive
None
Neutral
None
Negative
None
Project Type
Classic Loan
Disbursed amount
$150.00
Date disbursed
Sep 2, 2014
Repayment status
On Time
Projected term
6 months
Other loans
Amount repaid
$157.67
Amount remaining
$0.00
Date repaid
Jun 12, 2015
Status
Fully repaid
Expected Payments | Actual Payments | ||
---|---|---|---|
Sep 12, 2014 | $5.44 | Sep 5, 2014 | $5.44 |
Sep 19, 2014 | $5.44 | Sep 5, 2014 | $0.31 |
Sep 19, 2014 | $5.13 | ||
Sep 26, 2014 | $5.44 | Sep 19, 2014 | $0.62 |
Sep 26, 2014 | $4.82 | ||
Oct 3, 2014 | $5.44 | Sep 26, 2014 | $0.93 |
Oct 3, 2014 | $4.51 | ||
Oct 10, 2014 | $5.44 | Oct 3, 2014 | $1.24 |
Oct 10, 2014 | $4.20 | ||
Oct 17, 2014 | $5.44 | Oct 10, 2014 | $1.55 |
Oct 17, 2014 | $3.89 | ||
Oct 24, 2014 | $5.44 | Oct 17, 2014 | $1.86 |
Oct 24, 2014 | $3.57 | ||
Oct 31, 2014 | $5.44 | Oct 24, 2014 | $2.17 |
Nov 21, 2014 | $3.26 | ||
Nov 7, 2014 | $5.44 | Nov 21, 2014 | $5.44 |
Nov 14, 2014 | $5.44 | Nov 21, 2014 | $5.44 |
Nov 21, 2014 | $5.44 | Nov 21, 2014 | $5.44 |
Nov 28, 2014 | $5.44 | Nov 21, 2014 | $3.41 |
Dec 5, 2014 | $2.02 | ||
Dec 5, 2014 | $5.44 | Dec 5, 2014 | $3.72 |
Dec 12, 2014 | $1.71 | ||
Dec 12, 2014 | $5.44 | Dec 12, 2014 | $5.44 |
Dec 19, 2014 | $5.44 | Dec 12, 2014 | $5.44 |
Dec 26, 2014 | $5.44 | Dec 12, 2014 | $4.66 |
Jan 9, 2015 | $0.78 | ||
Jan 2, 2015 | $5.44 | Jan 9, 2015 | $5.44 |
Jan 9, 2015 | $5.44 | Jan 9, 2015 | $5.28 |
Jan 23, 2015 | $0.16 | ||
Jan 16, 2015 | $5.44 | Jan 23, 2015 | $5.44 |
Jan 23, 2015 | $5.44 | Jan 23, 2015 | $5.44 |
Jan 30, 2015 | $5.44 | Jan 23, 2015 | $0.46 |
Jan 30, 2015 | $4.98 | ||
Feb 6, 2015 | $5.44 | Jan 30, 2015 | $0.77 |
Feb 6, 2015 | $4.67 | ||
Feb 13, 2015 | $5.44 | Feb 6, 2015 | $1.08 |
Mar 6, 2015 | $4.36 | ||
Feb 20, 2015 | $5.44 | Mar 6, 2015 | $1.39 |
Mar 20, 2015 | $4.05 | ||
Feb 27, 2015 | $5.44 | Mar 20, 2015 | $1.70 |
Mar 27, 2015 | $3.74 | ||
Mar 6, 2015 | $5.44 | Mar 27, 2015 | $2.01 |
Apr 10, 2015 | $3.43 | ||
Mar 13, 2015 | $5.44 | Apr 10, 2015 | $2.32 |
Apr 21, 2015 | $3.11 | ||
Mar 20, 2015 | $5.44 | Apr 21, 2015 | $2.63 |
Apr 24, 2015 | $2.80 | ||
Mar 27, 2015 | $5.44 | Apr 24, 2015 | $2.94 |
Jun 12, 2015 | $2.49 |
Ask Joyce a question about this project, share news and photos of your own, or send a simple note of thanks or inspiration.