Making bar soaps and other detergents

Judith Chidzugwe

Mtwapa, Kenya

100% repaid

Entrepreneur

Name

Judith Chidzugwe

Location

Mtwapa, Kenya

On-time repayments

264 weekly installments  •  89%

About Me

My name is Judith Chidzugwe. I live with my family in Mtwapa. I am married with 2 children who are all boys and they are all grown ups. My last born son has just graduated with a Master's of Science, Geosciences at the Georgia State University, Atlanta, USA. Due to the Corona virus, he received his Master's Certificate by mail.

I was born in a family of four, two brothers and two sisters. My parents died a long time ago. My sister died in 2015 so I have two brothers, one of whom has settled in Nairobi and the other one is Mombasa. They too, have their own children who are trying to settle down. We visit one another very often to keep the family bond.

I like making new friends, listening to inspirational music and watching movies.I love gospel music and I also like singing. I also like praying and fasting so much because I believe in prayers that move mountains. When you believe in God, there is nothing that is impossible. Just trust in Him and all will be well.

My Business

I am still doing my business of selling bedsheets from Mombasa town to Malindi town and upto Lamu town where I have gotten some customers. I am buying in bales and then sell at retail prices. One bale goes for Kshs.30,000/= (US $300) and sale at retail prices of Kshs.2,500/= (US $25) per pair of two bedsheets and 4 pillowcases In one bale, there are 20 sets of bedsheets which when all are sold, a total amount of Kshs..50,000/= (US $500) is raised. I make a profit of Kshs.20,000/= (US $200) within two weeks of selling. I am now planning to buy three bales and sell them within two weeks. Three bales will cost me Kshs.90,000/= (US $ 900) which after being sold, a total amount of Kshs.150,000/= (US $ 1500) will be raised. Out of this amount, Kshs.60,000/= (US.600) is my profit, and the rest is pumped back in the business. In a month, I will be able e to raise a profit of Kshs.120,000/= (US $1200) which will enable me to pay my bills, cater for other necessities and most importantly, service the Zidisha loan. This business has improved my standard of living . Am doing it from home.

I am and will be able to pay my loan in good time. Zidisha has always been there for me and I still believe, lenders will be able to support me. Long live Zidisha.

Loan Proposal

When I get this fifth loan, I will continue making the neem bar soaps and detergents like jik and solid oil in bulk. - With the savings of Kshs.25,000/= (250 US $) I have made, plus the loan that I am going to get from Zidisha, I will be able to buy the raw materials in bulk. The cost of making 8 bar soaps ( a bar consists of 5 pieces) costs kshs.1,500( US $15) and 1 bar soap costs kshs.400 (US $4) totalling to kshs.3,200 (US S32). For the jik, I will spend ksh.5,000 (US $50) for buying the raw materials to make 1,000 LTS of jik which I will sell at half litre for Kshs.50 (0.5 US $) totalling to kshs.5,000 (50 US $). For solid oil, I will spend kshs 5,000 (US $50) for raw materials and then sell at Kshs.50 (0,5 US $) per small jar for 250 small jars totalling to Kshs..12,500 ( 12.5US $). Lenders i am requesting for your support in funding me so that I can continue making the detergents for my clients. I made good money and this is why I was able to finish paying my loan one month early before the due date. I am kindly requesting your support to enable me continue with my business.. God bless you abundantly. Thank you Zidisha

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$935.33

Date disbursed

Mar 13, 2017

Repayment status

On Time

Projected term

10 months

Cost to entrepreneur

Service fee: 5% of $935.33 = $41.64

Lenders

T

Tmann

Los Angeles, United States

Q

Quomar

Żmigród, Poland

G

GalantnostS

Hong Kong, Hong Kong

B

bgalon

London, United Kingdom

H

Hilke

Bremen, Germany

J

johan

Oslo, Norway

W

Walter

Victoria BC, Canada

BrassHat

Boston, United States

AltruisticSelfishnes

Chicago, United States

ErikN

Stockholm, Sweden

KyRoamer

Louisville, Kentucky, United States

Kjartan

Oslo, Norway

Ambrose

Calgary, Canada

F

FHult

Stockholm, Sweden

T

Tallago3

Munich, Germany

Pere

Barcelona, Spain

J

JakeA

Wellington, New Zealand

P

parsonsron777

Sacramento, United States

E

eljama

Chapel Hill, United States

R

rmacaw

Australia

A

AlexCheng

Seattle, United States

J

jdhowa2

Louisville, KY, United States

T

Timotte

WOLLONGONG, Australia

Tavin

Ottawa, Canada

tasos

hove, United Kingdom

indeh

London, United Kingdom

A

Alexandre

Sherbrooke, Canada

R

RichardH

Manchester, United Kingdom

Cloudways

Malta, Malta

P

PhilACK

Brampton, Canada

Namaste250

Pittsford, United States

S

Sergio

Boise, United States

ads68

Melbourne, Australia

P

Prysdahl

Marshall, United States

J

janharg

Garland, Tx, United States

Christopher

Copenhagen, Denmark

E

erogers

Vancouver, Canada

M

mkellerman

Shanghai, China

P

PHU99

Zwingenberg, Germany

Maxey

Amstelveen, Netherlands

A

Andy

Berlin, United States

panamaman

Philadelphia, United States

fairspirit

Utrecht, Netherlands

rhagen

New York, United States

Z

zedoud

Hamburg, Germany

BF

Bob Fitzjohn

Fontvielle, Monaco, Yemen

M

Marod

Edmonton, Canada

J

jocke

Stockholm, United States

H

HobbyCollector

Beach City, United States

gseletko

South Perth, Australia

mojobob

Hayward, United States

P

Pavane

Kungsbacka, Sweden

W

wilma95

napa, United States

N

NickLuder

London, United Kingdom

soniad

Dubai, United Arab Emirates

D

doublehelix

Philadelphia, United States

G

GCAsmus

Minneapolis, United States

dmirpuri

Bangkok, Thailand

G

Galbania

Toowoomba, Australia

ibc123

Seattle, United States

xtrahardware

Cazenovia, United States

H

haavi

Espoo, Finland

E

E

Marin county, United States

C

Clben7

Cincinnati, United States

M

Mystery15

Winnipeg, Canada

sderickson

Berkeley, CA, United States

M

martyb

United States

T

thegreek1020

San Jose, United States

O

osubucks45

United States

Paul Buchheit

Mountain View, United States

N

nlane

Vietnam

M

Mal57

Australia

Pankratio

EastVan, Canada

Landerson

Edinburgh, United Kingdom

joshuacollinson

Vienna, Austria

S

sarah4d2

Saint Louis, United States

T

thenwhen

United States

larry

Sweden

smastermind

Jerusalem, Israel

E

ewaters1

Australia

mepster

San Francisco, Ca, United States

B

bscent

Hong Kong

V

vbud

United States

Grant Xavier Storer

Seattle, Wa, United States

Loungin

United States

K

Keith

Luxembourg

J

jocor

Germany

Bryan

Houston, United States

Otto Barten

Amsterdam, Netherlands

S

satheajay

United States

Rachael101

Brisbane, Australia

I

ident

Horsholm, Denmark

PolarBearCapital

United States

P

pnrjulius

United States

Kyle Hoback

Jersey City, NJ, United States

Mike and Jacqui

United Kingdom

S

Stephan

Netherlands

KM

Kirsty M

United Kingdom

Haim Si

Mexico, Mexico

Frank Termathe

Frankfurt Main, Germany

E

Erich

Zurich, Switzerland

Gab

Singapore

Dave Bogard

New York, United States

Karijn

Amsterdam, Netherlands

MD

Miles Dodge

CORVALLIS, United States

SMOICE

Berlin, Germany

MW

Matt Willis

United States

W

Wade

United States

Thomas

Basel, Switzerland

Dominik Wagner

Karlsruhe, Germany

Elly

Woudrichem, United Kingdom

Jake Badger

Roskilde, Denmark

PC

Patrick Clavette

Hartford, Wisconsin, United States

Jack Doolan

Newcastle, United Kingdom

JK

Hamburg, Germany

M

Marc

Newcastle upon Tyne, United Kingdom

V

Vivek

Arlington, VA, United States

AF

Alysn Ford

United States

Mouhamed

United States

C

cota

United States

JD

Jeff DePree

United States

YM

Yelka Mikolji

United States

ME

Manaal Eisa

Washington DC, United States

PT

Paul T

Amsterdam, Netherlands

Pedro R-C

Cambridge, United States

M

Mart

United Kingdom

PG

Paul Graham

United States

PR

Paul Rausch

United States

Aylsham Rotary

Aylsham, Norfolk, Uk, United Kingdom

N

Nick

United States

Aran Dunlop

United States

MS

Mark S Yourek

United States

jo

Los Angeles, United States

Joe Lamantia

Reston, Virginia, United States

Rosario von Li

San Jose, Ca, United States

N

Nino

Switzerland

A

Adam

United Kingdom

Diego

Monza, Italy

CR

Christine Randall

Brisbane, Australia

Taylor

Memphis, United States

E

Enda

Abu Dhabi, United Arab Emirates

Cliff

United States

EB

Ellen Batten

Kalamazoo, Michigan, United States

AO

Ahana Ogle

United Kingdom

NR

Nick Rioux

United States

Thomas

Sweden, Sweden

Gabriel Fenili

Santo André, Brazil

MG

Michael Guthrie

United Kingdom

V

Vidar

Oslo, Norway

GC

Greger Cronquist

Göteborg, Sweden

David

Mantua, Ohio Usa, United States

SS

Steve Smith

Winchester, Ma, United States

Angela Linwood

Minneapolis, Minnesota, United States

Tom Eggert

Madison, United States

RG

Ravi Gadad

United States

RC

Roy Chicky Arad

tel aviv, Israel, Israel

M

mani

United States

J

Jon

United States

Craig Newmark

United States

Benjamin Kniaz

Boston, United States

SH

Stephanie He

United States

WS

Warren Shen

United States

Humble Bundle Community

San Francisco, United States

chessplayer

Berlin, Germany

JA

Joshua Axtell

United States

Thomas Naimoli

United States

Day Family

Melbourne, Australia

BE

Bob Ewing

United States

PW

Patrick White

Albuquerque, NM, United States

Tilman Schweitzer

Mainz, Germany

SS

Sara Sobota

United States

K

Kyle

Durban, United Kingdom

Mary Norton

Byron Bay, Australia

L

Lastoni

United States

D

Dalton

San Francisco, United States

HCPSPIRIT

Helsinki, Finland

NH

Nancy Hull

United States

Dean Suminski

Portland, Oregon, United States

A

Anonymous

United States

GS

Gary Sinard

Franklin, TN, United States

A

Anonymous

United States

Kenny

San Diego, United States

MS

Merel S

Netherlands

J

Jakub

Czech Republic

S

seahillpark

United States

KK

Kurt Kellner

United States

M

Mack

Harbor, Oregon, United States

John Sercel

Florence, United States

Brandon Wright

Salt Lake City, Ut, United States

D

David

United States

David Nash

Sydney, Australia, Australia

R

RMIM

United States

AH

Axel Hoogland

United States

WC

Walter Clarke

Phoenix, United States

Paul Buchheit

Mountain View, United States

J

James

Los Angeles, United States

HB

Hugo Boss

United Kingdom

A

Anonymous

United States

LP

Lydia Page

United States

Mark Rowlatt

Peterborough, UK, United Kingdom

Carrie

Arlington, MA, United States

DH

Don Hammond

United States

SB

Sanda Balaban

United States

JF

Jon Freach

United States

Ask Judith 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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