Making bar soaps and other detergents


Mtwapa, Kenya

100% repaid




Member since

November 2013

On-time repayments

269 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 fourth loan, I want to diversify and start making neem bar soaps and other detergents like jik and solid oil. The cost of making bar soaps and the other detergents is as follows - buying the raw materials for making 8 bar soaps ( a bar consists of 5 pieces) costs kshs.1,500( US $15) and 1 bar soap costs kshs.350 (US $3.5) totalling to Kshs.2,800 (US S28). For the jik, I will spend Ksh.500 (US $5) for buying the raw materials to make 20 LTS of jik which I will sell at half litre for kshs.50 (0.5 US $) totalling to Kshs.2,000 (20 US $). For solid oil, I will spend Kshs 500 (US $5) for raw materials and then sell at Kshs.40 (0,4 US $) per small jar for 60 small jars totalling to Kshs..2400 ( 24 US $). Lender I am requesting for your support in funding me so that I can start making the detergents for my clients. I already have clients who have been asking for these products. I will be selling these products and per week I will make Kshs.7,200 (US $ 72) and thus servicing my loan will not be a problem. Please support me and you will not be disappointed. God bless you abundantly. Thank you Zidisha - without you life would be unbearable.. God bless you lenders and the Zidisha team.






Loan Info

Project Type

Classic Loan

Disbursed amount


Date disbursed

Dec 21, 2015

Repayment status

On Time

Projected term

15 months




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