Name
Judith
Member since
November 2013
On-time repayments
269 installments • 89%
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.
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.
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
Positive
5
Neutral
None
Negative
None
Project Type
Classic Loan
Disbursed amount
$925.00
Date disbursed
Mar 13, 2017
Repayment status
On Time
Projected term
10 months
Other loans
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Amount repaid
$935.33
Amount remaining
$0.00
Date repaid
Jan 20, 2018
Status
Fully repaid
Expected Payments | Actual Payments | ||
---|---|---|---|
Mar 24, 2017 | $19.90 | Mar 24, 2017 | $19.90 |
Mar 31, 2017 | $19.90 | Mar 24, 2017 | $19.90 |
Apr 7, 2017 | $19.90 | Mar 31, 2017 | $19.90 |
Apr 14, 2017 | $19.90 | Mar 31, 2017 | $19.90 |
Apr 21, 2017 | $19.90 | Apr 7, 2017 | $19.90 |
Apr 28, 2017 | $19.90 | Apr 15, 2017 | $19.90 |
May 5, 2017 | $19.90 | May 2, 2017 | $19.90 |
May 12, 2017 | $19.90 | May 2, 2017 | $19.90 |
May 19, 2017 | $19.90 | May 2, 2017 | $19.90 |
May 26, 2017 | $19.90 | May 26, 2017 | $19.90 |
Jun 2, 2017 | $19.90 | May 26, 2017 | $19.90 |
Jun 9, 2017 | $19.90 | Jun 13, 2017 | $19.90 |
Jun 16, 2017 | $19.90 | Jun 13, 2017 | $19.90 |
Jun 23, 2017 | $19.90 | Jun 25, 2017 | $19.90 |
Jun 30, 2017 | $19.90 | Jun 25, 2017 | $19.90 |
Jul 7, 2017 | $19.90 | Jun 29, 2017 | $19.90 |
Jul 14, 2017 | $19.90 | Jul 6, 2017 | $19.90 |
Jul 21, 2017 | $19.90 | Jul 18, 2017 | $19.90 |
Jul 28, 2017 | $19.90 | Jul 18, 2017 | $19.90 |
Aug 4, 2017 | $19.90 | Aug 14, 2017 | $19.90 |
Aug 11, 2017 | $19.90 | Aug 14, 2017 | $19.90 |
Aug 18, 2017 | $19.90 | Aug 30, 2017 | $19.90 |
Aug 25, 2017 | $19.90 | Aug 31, 2017 | $19.90 |
Sep 1, 2017 | $19.90 | Sep 8, 2017 | $19.90 |
Sep 8, 2017 | $19.90 | Sep 15, 2017 | $19.90 |
Sep 15, 2017 | $19.90 | Sep 29, 2017 | $19.90 |
Sep 22, 2017 | $19.90 | Sep 29, 2017 | $19.90 |
Sep 29, 2017 | $19.90 | Oct 8, 2017 | $19.90 |
Oct 6, 2017 | $19.90 | Oct 12, 2017 | $19.90 |
Oct 13, 2017 | $19.90 | Oct 20, 2017 | $19.90 |
Oct 20, 2017 | $19.90 | Nov 2, 2017 | $19.90 |
Oct 27, 2017 | $19.90 | Nov 2, 2017 | $19.90 |
Nov 3, 2017 | $19.90 | Nov 10, 2017 | $19.90 |
Nov 10, 2017 | $19.90 | Nov 19, 2017 | $19.90 |
Nov 17, 2017 | $19.90 | Nov 23, 2017 | $19.90 |
Nov 24, 2017 | $19.90 | Nov 23, 2017 | $19.90 |
Dec 1, 2017 | $19.90 | Nov 23, 2017 | $19.90 |
Dec 8, 2017 | $19.90 | Dec 6, 2017 | $19.90 |
Dec 15, 2017 | $19.90 | Dec 6, 2017 | $19.90 |
Dec 22, 2017 | $19.90 | Dec 6, 2017 | $19.90 |
Dec 29, 2017 | $19.90 | Jan 5, 2018 | $19.90 |
Jan 5, 2018 | $19.90 | Jan 5, 2018 | $19.90 |
Jan 12, 2018 | $19.90 | Jan 9, 2018 | $19.90 |
Jan 19, 2018 | $19.90 | Jan 20, 2018 | $19.90 |
Jan 26, 2018 | $19.90 | Jan 20, 2018 | $19.90 |
Feb 2, 2018 | $19.90 | Jan 20, 2018 | $19.90 |
Feb 9, 2018 | $19.90 | Jan 20, 2018 | $19.90 |
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