Metallic gate business (and school fees for my grandchildren)

Joseph

Salgaa Rongai, Kenya

100% repaid

Entrepreneur

Name

Joseph

Member since

April 2012

On-time repayments

402 installments  •  70%

About Me

I am 60 years of age married with 6 children, a boy and 5 girls. I reached in class seven of primary education. After school I involve myself in casual labor for quite a long time but finally I managed to start a small business of the famous mutumba( secondhand clothes)business.I also practice farming of maize and beans,where my wife is involved.am doing well with my business all along. i really thank God for the great effort that he has blessed me my business is increasing in size day after the other and all thanks is to zidisha team for there great support.In salgaa all is well with my mitumba business since it has assisted me do well with life time after the other.

My Business

My business is selling second hand clothes business. It is in Salgaa town about 35km from Nakuru town on the way to Eldoret. People like second hand clothes because it is cheaper than new ones.I used to negotiate with my costumers very quietly,that is why they like my business.my business is in an open place where people use to pass-bye.Some times i do an offer to my business,by sellingng if a customers buy ten cloth, i will give him/her two handkerchief.My only focus now is to expand the business and ensure that with my that forth and other loans from zidisha makes me grow and not a shame this organization at large.in short my mutumba business is simple,measurable,archievable,reliable and timely.(SMART)

Loan Proposal

Given the loan i will use to buy a metallic gate for the plot that i built using the loan that i was given by Zidisha. The other amount, i will use to pay school fees for my three grandchildren that i am taking care of. The remaining amount definitely I will channel to my business. This time round I have decided to start with a stock of second hand shoes which I have done some survey and found out that they are also in demand by my clients. Both selling second hand clothes and second hand shoes will increase my business income to about KES. 20000 per week after business expenses.

Feedback

10

None

None



Loading...

Loan Info

Project Type

Classic Loan

Disbursed amount

$1,313.00

Date disbursed

Sep 1, 2021

Repayment status

Late

Projected term

7 months

Lenders

AltruisticSelfishnes

Chicago, United States

Jan

Netherlands

Ren

Minneapolis/StPaul, United States

Paul Buchheit

Mountain View, United States

R

Ru

New York, United States

DD

Diego Donoso

United States

A

Anonymous

United States

C

Cathy

United States

Ask Joseph a question about this project, share news and photos of your own, or send a simple note of thanks or inspiration.

Please log in to comment.

  • Joseph    Oct 27, 2023

    Tough financial season and expenditure. I have to meet family domestic expenditure furthermore I have been squized be school fees for my children who joined colleges as well my grandchildren who are in great hgh level. Of late the my business has not been doing good because people and my clients have no money and in addition the recent heavy rains affected my since it was raining at times day and of which it denied my customers access to the business place.

    Log in to reply • Share
  • Joseph    Apr 30, 2023

    this is due to tight schedule on fee payment of my children who are in college and a grandchild who is in secondary

    Log in to reply • Share
  • Joseph    Mar 6, 2023

    How are you Zidisha community, hoping all is well with you. I will use my loan to diversify my business so as to earn more income. I will also use the loan to pay school fees for my grandchildren since they are the future investment. All in all I want to thank Zidisha for the continued financial support since I joined as a member to date. May God bless Zidisha family abundantly. Thank you once more .

    Log in to reply • Share
  • Susan    Mar 5, 2023

    Yes Mr Joseph, hope this helps out!

    Log in to reply • Share
  • Stephen    Mar 1, 2023

    All the best s

    Log in to reply • Share
  • James    Mar 1, 2023

    Good work

    Log in to reply • Share
  • Kipyegon    Feb 21, 2023

    That is what I can give may God bless you.

    Log in to reply • Share
  • Joseph    Feb 19, 2023

    Hi Zidisha, it is yet another great privilege that i want to thank the Zidisha team sincerely for having financed my last project in totality. Finally i have repaid the money even though after struggling due to effects of Corona Virus that affected the community badly. May i admit that its through your support that i am running running my business while implementing my projects every now and then.
    Long live Zidisha

    Log in to reply • Share
  • Joseph    May 25, 2022

    Hi Zidisha Family, it's been long. Hope you are doing well. I am doing good with my business despite some normal challenges. Mine is to say a big thank you for your financial support..

    Log in to reply • Share
  • Joseph    Feb 18, 2022

    I have decided to adjust my repayment because my selling rate of my goods is very low. Generally the season is not that promising as compared to the months of October, November and December. Thank you Zidisha for your continued support.

    Log in to reply • Share
  • Joseph    Feb 13, 2022

    I have decided to adjust my payment due to low sale rate season of my business

    Log in to reply • Share
  • Joseph    Jan 7, 2022

    Hi Zidisha Family, its been long since I communicated. It is my trust and hope that you are doing good. I just wanted to let you know that doing well with my family and business. The business is resuming gradually after a very tough encounters with Covid 19 and it's effects to human activities. Thank you once more for your continued support

    Log in to reply • Share
  • Joseph    Sep 4, 2021

    I received Ksh. 140,858 after deductions. I am in the process of fulfilling my project proposals. Thank you Zidisha for being with me for all my projects since I became a member. Thank you once again and God's blessings.

    Log in to reply • Share
  • Joseph    Sep 1, 2021

    As i had earlier given title to my project i am now going to implement them. These are buying metallic gate for the already build plot house for this will improve security status. Paying school fees for grand children will guarantee them better lives in future. Introducing second shoes and selling them to my clients will increase my income as well customer satisfaction. Thank you lenders you are such blessing to me for a long time throughout my all project.

    Log in to reply • Share
  • Ren    Aug 30, 2021

    Dear Joseph,
    If your loan doesn't fund, I encourage you to try again! Sometimes this happens when there are many good loans on Zidisha. Good luck!

    Log in to reply • Share
  • Joseph    Aug 8, 2021

    Thank Zidisha you for your continued support unto my business among development projects. I used the last borrowed majorly for paying school fees and deposit amount for the new plot that I acquired. I used small portion of the amount to boost my business after battling with Corona Pandemic that immensely affectedy business and loan repaent. I once again say thank you as I apply for another loan.

    Log in to reply • Share
  • Elisha    Jul 10, 2021

    Joseph promise to repay remaining balance, soon and reapply for another loan.

    Log in to reply • Share
  • Joseph    May 25, 2021

    Due to rise of this pandemic Covid- 19 in our own country, actually I won't afford to pay Kshs.6,740 due to low business turn up. I would like to pay Kshs.1628 per week in the next 5 installments.
    Kind regards
    Joseph Kaberu

    Log in to reply • Share
  • Joseph    Apr 21, 2021

    Due to this pandemic Covid-19 our county is under lockdown so business doesn't work normally, Kindly i can afford to repay my outstanding installment as prescribed above. Kshs. 1628/= per week for five weeks.

    Kind Regards
    Joseph Kaberu.

    Log in to reply • Share


Loading...

Loading...

Loading...