Entrepreneur
Name
Lydiah Nasimiyu
Member since
August 2013
On-time repayments
352 installments • 67%
About Me
Hallo Zidisha fraternity and the kind lending panel.My names are Lydiah Nasimiyu Wamalwa.I come from Nakuru County,Rift-Valley Province,Kenya,at a place called Langalanga estate.I am a single mother of one child who is called Teddy Wamalwa.Teddy is in class 7 at St.Xaviours Academy.
I come from a humble christian family foundation.I am the third born and we are Eight in number altogether in a our family,including my mother and my father.I am currently doing my own business which is selling electrical accessories and an M-pesa services ( withdrawing & depositing money through mobile phone)for my daily living needs.Thank you
My Business
After i completed my college level academics,i chose to open a business here at Langalanga Estate,Nakuru which deals with electrical accessories and an M-pesa services in year 2010.I have partitioned the 15*12 squared room into two parts.
In my electrical shop i sell sockets, bulb holders,cables,florescent bulbs,energy saving bulbs,cut-outs,wiring cables of all sizes e.g-0.05mm,1.00mm, and 1.05mm,among other electricity appliances.
In my M-pesa section,i offer M-pesa services (withdrawing & depositing money using mobile platform,Safaricom).It includes sending money and withdrawing money using mobile phone through the services rendered from the Safaricom limited.The trans-actions involves the Kenyan currencies and only available to the Safaricom lines only.I have been in this business for from the year 2010 and even today i have been depending on to this business for my family daily needs.
From a normal monthly sales and M-pesa services,i get to almost Kshs.85,000/=.After i restock my electrical shop and adds the M-pesa float, i get up to almost Kshs.24,000/= as my net profit.Out of the profit i get i pay my business rent,County annual license fee,my child's school fees,home rent and electricity bills and water.Then i am left with an average of Kshs.17,180/=.
From the net profit,i am comfortable that i will be able to be servicing my loan without any problem.I am also planning to extend my shop in terms of adding more electrical accessories which are on higher demand within.Through the Zidisha empowerment,i am sure that my business will grow much higher and i will also increase my M-pesa float to maximize my daily running capital.Thank you all in advance and it's my prayer that you will consider my business and fund it.Thank you.
Loan Proposal
I am grateful to you dear lenders and the team for entrusting me with more business capital
I am here again to request more M-pesa float capital so that i can boost my business.
Now that I have grown more customer base,your help has enabled me establish my business to many new client.
I hereby wish to request a loan of Kes.89,000 to invest into M-Pesa capital.
Thank you in advance as you fund my loan.
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Loan Info
Project Type
Classic Loan
Disbursed amount
$883.00
Date disbursed
Aug 23, 2019
Repayment status
Late
Projected term
25 months
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Summary
Amount repaid
$607.67
Amount remaining
$275.92
Expected completion
Oct 7, 2021
Status
Repaying late
Installment amount
$98.54
Repayment History
| Expected Payments | Actual Payments | ||
|---|---|---|---|
| Sep 5, 2019 | $14.78 | Sep 5, 2019 | $14.78 |
| Sep 12, 2019 | $14.78 | Sep 19, 2019 | $14.78 |
| Sep 19, 2019 | $14.78 | Oct 2, 2019 | $14.78 |
| Sep 26, 2019 | $14.78 | Oct 2, 2019 | $14.78 |
| Oct 3, 2019 | $14.78 | Nov 3, 2019 | $14.78 |
| Oct 10, 2019 | $0.00 | ||
| Oct 17, 2019 | $0.00 | ||
| Oct 24, 2019 | $0.00 | ||
| Oct 31, 2019 | $0.00 | ||
| Nov 7, 2019 | $14.78 | Nov 8, 2019 | $14.78 |
| Nov 14, 2019 | $14.78 | Nov 25, 2019 | $14.78 |
| Nov 21, 2019 | $14.78 | Dec 8, 2019 | $14.78 |
| Nov 28, 2019 | $14.78 | Dec 8, 2019 | $14.78 |
| Dec 5, 2019 | $14.78 | Dec 8, 2019 | $14.78 |
| Dec 12, 2019 | $14.78 | Jan 25, 2020 | $14.78 |
| Dec 19, 2019 | $14.78 | Jan 25, 2020 | $14.78 |
| Dec 26, 2019 | $14.78 | Jan 25, 2020 | $14.78 |
| Jan 2, 2020 | $4.93 | Jan 25, 2020 | $4.93 |
| Jan 9, 2020 | $0.00 | ||
| Jan 16, 2020 | $0.00 | ||
| Jan 23, 2020 | $0.00 | ||
| Jan 30, 2020 | $14.78 | Feb 8, 2020 | $14.78 |
| Feb 6, 2020 | $14.78 | Feb 8, 2020 | $14.78 |
| Feb 13, 2020 | $14.78 | Mar 6, 2020 | $14.78 |
| Feb 20, 2020 | $14.78 | Mar 6, 2020 | $14.78 |
| Feb 27, 2020 | $14.78 | Mar 6, 2020 | $14.78 |
| Mar 5, 2020 | $0.00 | ||
| Mar 12, 2020 | $14.78 | Mar 21, 2020 | $14.78 |
| Mar 19, 2020 | $14.78 | Mar 21, 2020 | $14.78 |
| Mar 26, 2020 | $0.00 | ||
| Apr 2, 2020 | $0.00 | ||
| Apr 9, 2020 | $0.00 | ||
| Apr 16, 2020 | $4.93 | Apr 16, 2020 | $4.93 |
| Apr 23, 2020 | $4.93 | Apr 25, 2020 | $4.93 |
| Apr 30, 2020 | $0.00 | ||
| May 7, 2020 | $0.00 | ||
| May 14, 2020 | $0.00 | ||
| May 21, 2020 | $0.00 | ||
| May 28, 2020 | $0.00 | ||
| Jun 4, 2020 | $4.94 | Jun 14, 2020 | $4.94 |
| Jun 11, 2020 | $4.94 | Jun 14, 2020 | $4.92 |
| Jun 27, 2020 | $0.02 | ||
| Jun 18, 2020 | $4.94 | Jun 27, 2020 | $4.94 |
| Jun 25, 2020 | $4.94 | Jun 27, 2020 | $4.94 |
| Jul 2, 2020 | $4.94 | Jul 3, 2020 | $4.94 |
| Jul 9, 2020 | $0.00 | ||
| Jul 16, 2020 | $4.94 | Jul 19, 2020 | $4.94 |
| Jul 23, 2020 | $4.94 | Jul 23, 2020 | $4.94 |
| Jul 30, 2020 | $4.94 | Aug 1, 2020 | $4.94 |
| Aug 6, 2020 | $4.94 | Aug 7, 2020 | $4.94 |
| Aug 13, 2020 | $4.94 | Aug 17, 2020 | $4.94 |
| Aug 20, 2020 | $4.94 | Aug 25, 2020 | $4.94 |
| Aug 27, 2020 | $4.94 | Sep 5, 2020 | $4.94 |
| Sep 3, 2020 | $4.94 | Sep 5, 2020 | $4.93 |
| Sep 12, 2020 | $0.01 | ||
| Sep 10, 2020 | $4.94 | Sep 12, 2020 | $4.93 |
| Sep 25, 2020 | $0.01 | ||
| Sep 17, 2020 | $4.94 | Sep 25, 2020 | $4.94 |
| Sep 24, 2020 | $4.94 | Sep 25, 2020 | $4.93 |
| Oct 5, 2020 | $0.01 | ||
| Oct 1, 2020 | $9.86 | Oct 5, 2020 | $9.86 |
| Oct 8, 2020 | $0.00 | ||
| Oct 15, 2020 | $4.94 | Oct 17, 2020 | $4.94 |
| Oct 22, 2020 | $4.94 | Nov 13, 2020 | $4.94 |
| Oct 29, 2020 | $4.94 | Nov 13, 2020 | $4.94 |
| Nov 5, 2020 | $4.94 | Nov 13, 2020 | $4.94 |
| Nov 12, 2020 | $4.94 | Nov 13, 2020 | $4.94 |
| Nov 19, 2020 | $0.00 | ||
| Nov 26, 2020 | $4.94 | Nov 28, 2020 | $4.94 |
| Dec 3, 2020 | $4.94 | Dec 15, 2020 | $4.94 |
| Dec 10, 2020 | $4.94 | Jan 5, 2021 | $4.94 |
| Dec 17, 2020 | $4.94 | Jan 5, 2021 | $4.94 |
| Dec 24, 2020 | $4.94 | Jan 5, 2021 | $4.94 |
| Dec 31, 2020 | $0.00 | ||
| Jan 7, 2021 | $12.07 | Jan 11, 2021 | $7.14 |
| Jan 21, 2021 | $4.93 | ||
| Jan 14, 2021 | $0.00 | ||
| Jan 21, 2021 | $0.00 | ||
| Jan 28, 2021 | $0.00 | ||
| Feb 4, 2021 | $0.00 | ||
| Feb 11, 2021 | $11.12 | Feb 15, 2021 | $11.12 |
| Feb 18, 2021 | $11.12 | Feb 21, 2021 | $11.12 |
| Feb 25, 2021 | $11.12 | Mar 2, 2021 | $11.12 |
| Mar 4, 2021 | $0.00 | ||
| Mar 11, 2021 | $0.00 | ||
| Mar 18, 2021 | $0.00 | ||
| Mar 25, 2021 | $0.00 | ||
| Apr 1, 2021 | $11.12 | Apr 5, 2021 | $11.12 |
| Apr 8, 2021 | $11.12 | May 16, 2021 | $11.12 |
| Apr 15, 2021 | $11.12 | Jun 26, 2021 | $11.12 |
| Apr 22, 2021 | $11.12 | Aug 1, 2021 | $11.12 |
| Apr 29, 2021 | $11.12 | Sep 14, 2021 | $11.12 |
| May 6, 2021 | $98.54 | Nov 30, 2021 | $4.93 |
| Jan 6, 2022 | $4.93 | ||
| Feb 1, 2022 | $4.93 | ||
| Mar 26, 2022 | $4.93 | ||
| May 15, 2022 | $4.93 | ||
| May 17, 2022 | $3.84 | ||
| May 23, 2022 | $4.93 | ||
| Jun 17, 2022 | $4.93 | ||
| Jul 9, 2022 | $4.93 | ||
| Jul 23, 2022 | $4.93 | ||
| Jul 31, 2022 | $4.93 | ||
| Aug 23, 2022 | $4.93 | ||
| May 13, 2021 | $11.12 | ||
| May 20, 2021 | $11.12 | ||
| May 27, 2021 | $11.12 | ||
| Jun 3, 2021 | $11.12 | ||
| Jun 10, 2021 | $11.12 | ||
| Jun 17, 2021 | $11.12 | ||
| Jun 24, 2021 | $11.12 | ||
| Jul 1, 2021 | $11.12 | ||
| Jul 8, 2021 | $11.12 | ||
| Jul 15, 2021 | $11.12 | ||
| Jul 22, 2021 | $11.12 | ||
| Jul 29, 2021 | $11.12 | ||
| Aug 5, 2021 | $11.12 | ||
| Aug 12, 2021 | $11.12 | ||
| Aug 19, 2021 | $11.12 | ||
| Aug 26, 2021 | $11.12 | ||
| Sep 2, 2021 | $11.12 | ||
| Sep 9, 2021 | $11.12 | ||
| Sep 16, 2021 | $11.12 | ||
| Sep 23, 2021 | $11.12 | ||
| Sep 30, 2021 | $11.12 | ||
| Oct 7, 2021 | $1.99 | ||
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