Mobile-money services

Ruth Nyabuti

Nyambogo Village, Kenya

13% repaid

Entrepreneur

Name

Ruth Nyabuti

Location

On-time repayments

72 weekly installments  •  64%

About Me

I was born and grew up in Nyamira county, Bosamaro Location, Bigege sublocation. I went to Nymbogo primary school for my primary education and later joined Marani secondary School and Kianungu Secondary school where i did my secondary school exams. Due to unavoidable circumstances, i could not proceed to college hence i trained in basic computer training in the nearby center. I later started my own business in the field of Mobile money Market and a grocery store where i hope to earn and make my living from so that i can raise funds to better my education further and venture into more profitable business. I started my business with some little cash that i was funded from my uncle and friends who were very eager to see me prosper in life. in our culture land ownership is seen as something that everyone should own but our culture does not allow for girls/ladies to inherit land from our parents hence i could like to buy my own piece of land in future. i don't have a family yet but i ll be glad to see myself have one in future, i hope that i ll get and raise a good healthy family. i like working with computers, playing games and interacting with people online.

My Business

i ran i an MPESA[mobile money transfer] business in our local center, and also have a shop/grocery store that sells household goods and cereals, the needs of the market and various money transfer methods and companies are coming up day after day and most people are venturing into the business hence there is a lot of competition. i don't have sufficient funds as running capital for my business hence i find my self not fit enough in the market in terms of business competition. i use the little profits to add more capital into my business but with the high cost of living standards its hard to save enough for my future needs but i however save a little for my my personal needs and future.

Loan Proposal

Dear lenders,
thanks a lot for your continued support, i have really benefited a great deal from the previous funds that i have received from you, i really thank you so much and strongly believe that my future financial stability lies in your hands. with the more funds that you have entrusted me with, i will add the full amount to operating balance of my mobile money transfer business so that i can remain competitive and deliver amicably to my customers. i am enthusiastic that my profits shall hopefully improve by at least 40 %. Be blessed all as i promise to work with you closely to improve my well being and for those around me.

Feedback

None

None

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Loan Info

Project Type

Classic Loan

Disbursed amount

$577.03

Date disbursed

May 31, 2017

Repayment status

Late

Projected term

62 months

Cost to entrepreneur

Service fee: $25.86

Ruth opted to pay $359.92 into the Zidisha Members Loan Fund in return for a higher starting credit limit.

Lenders

T

Tmann

Los Angeles, United States

W

WilsonLending

Atlanta, United States

C

Christian

Saarbruecken, Germany

investor

Candiac, Canada

Kylie

Mount Martha, Australia

BelleStarr

Albuquerque, United States

cyrus0302

San Francisco, United States

AltruisticSelfishnes

Chicago, United States

S

SeeBiscuit

Reston, United States

COOPITALIST

Toronto, Canada

MichaelS

Canberra, Australia

DeanDropshot

Oslo, Norway

lorrymac

Killough, United Kingdom

ErikN

Stockholm, Sweden

J

jgillard

Winchester, United Kingdom

BethaniK

Washington, United States

R

Roman

Barcelona, Spain

johnandmoliehi

Canton, New York, United States

MienDeGraeve

Ouagadougou, Burkina Faso

T

ToddK

Indianapolis, IN, USA, United States

M

mogensh

København V, Denmark

C

cjmenchaca

Austin, United States

tmisch

San Jose, California, United States

Jeff and Marcie

Portland, OR, United States

andreas

St. Georgen / Gusen, Austria

M

mason243

Denver Colorado, United States

L

Lender1212

San Francisco, United States

B

briansedz

Canton, Ohio, United States

beverly

Vancouver, Canada

J

jjonas

berlin, Germany

J

jasonbronowitz

Tempe, United States

C

chrisherron

Chicago, United States

G

graememoss

Amsterdam, Netherlands

indeh

London, United Kingdom

J

JoycaLeplae

Gent, Belgium

J

JandC

Watsonville, United States

DLarson

Morris, United States

Z

Zippo

Berlin, Germany

D

Divergent

Bethesda, United States

D

duckdork

De Forest, United States

G

glomardor

Leonardtown, United States

Cloudways

Malta, Malta

IA

Ismini and Jerry

Stamford, USA, United States

D

danderson1953

Plainsboro, United States

Matthew

New York, NY, United States

AdvancingCompassion

San Diego, United States

B

BClay

Campbell, United States

ads68

Melbourne, Australia

dhulsterwim

LIER, Belgium

rfriedenberg

New Jersey, United States

E

erogers

Vancouver, Canada

R

Rearden

STAVANGER, Norway

A

Andy

Berlin, United States

fairspirit

Utrecht, Netherlands

A

Andrew22

Hopewell PA, United States

JTShorty

Gorham, Maine, United States

BF

Bob Fitzjohn

Fontvielle, Monaco, Yemen

M

Marod

Edmonton, Canada

A

Andrii

Kiev, Ukraine

A

Amani

Beaverton, United States

G

greendave

Manchester, United Kingdom

K

kingcamo1095

Mountain Home, United States

R

RCHeying

Marietta, United States

F

Forfex

Zurich, Switzerland

mojobob

Hayward, United States

stever

Cape Coral, United States

L

LenoMetus

Perth, Australia

P

phoebius

Cambridge, United Kingdom

D

Dutch_lender

Leiderdorp, Netherlands

tonnyschonewille

Maastricht, Netherlands

dmirpuri

Bangkok, Thailand

Z

zangalan

Maryland, United States

xtrahardware

Cazenovia, United States

B

BMcDermott

Washington, DC, United States

D

DogFort1

Sydney, Australia

O

OrientExpress

Tokyo, Japan

E

E

Marin county, United States

Parkmobile

Fort Bragg, United States

H

happytrailsjpd

South Bend, United States

M

Margi

Littleton, United States

M

mibrahim51

Mountain View, United States

C

Clben7

Cincinnati, United States

F

frazier

rock springs, United States

A

akshu71

Ottawa, Canada

C

cktsai

United States

M

Morgan1301

United States

L

liseman

United States

S

Smadori0

United States

E

elhh82

Petaling Jaya, Malaysia

Z

zvrk2014

Brookline, MA, United States

pvilliger

Zurich, Switzerland

A

analyticsPierce

Denver, United States

M

Malibu

Westwood, United States

A

axienjii

Amsterdam, United Kingdom

T

tomcat14

Brussels, Belgium

T

thegreek1020

San Jose, United States

P

Peaches

United States

C

chrishol

United States

MalcolmL

San Francisco, United States

O

osubucks45

United States

M

moodystreet1

United States

AllieJ

Camberwell, Australia

J

Jonas

Linköping, Sweden

S

suraj_sindhia

United States

A

adiipienaar

South Africa

jonnyhj

Stockholm, Sweden

D

DandS

United States

P

plhughes

United States

Conor

Sydney, Australia

poorinvest

Sandefjord, Norway

R

RosieWatrs

United States

J

jenmcintyre

United States

C

cathyu2crazy

United States

smastermind

Jerusalem, Israel

W

ww1137

United States

C

CraigInCo

United States

mepster

San Francisco, Ca, United States

C

cojoakerr

United Kingdom

O

OzMonkey

Australia

TyWee

Manila, Philippines

T

tmarkus

Netherlands

B

bscent

Hong Kong

A

AlphaAres

Azerbaijan

AndrewNeu

Ho Chi Minh, Vietnam

G

Gavin

New Zealand

M

Manley

Windermere, United States

J

JonAlec

United States

T

tehmle

United States

I

idris

United States

R

reganbrian

United States

G

gvstars

United States

A

afrakhan

United Kingdom

D

dh1423

United States

C

cocolo

United States

L

Lagrange

United States

D

ddm08

United States

adrianz

United States

M

Millie_and_Babs

United Kingdom

S

Schwartz

United States

PolarBearCapital

United States

R

ross22

United States

A

andreab

United States

S

SuzanneD

United States

D

djlayton4

United States

S

Stephan

Netherlands

JP

James Parker

Sacramento, United States

K

Kristiina

All Countries

JL

Joao Leal

United Kingdom

stephen sontag

Narragansett, United States

Haim Si

Mexico, Mexico

Shen Ge

Houston, United States

B

Berrin

Stuttgart, Germany

Frank Termathe

Frankfurt Main, Germany

F

Falk

Germany

DR

Daniel R

Berlin, Germany

E

Erich

Zurich, Switzerland

Gab

Singapore

Dave Bogard

New York, United States

B

Barncat

United States

Family Mueller

Petershagen, Germany

Torsten Schreiber

Frankfurt, Germany

AA

Adam Atlas

Montreal, QC, Canada, Canada

Jerome

Switzerland

KH

Kaylee Howell

United States

MW

Matt Willis

United States

V

Vanessa

Gold Coast, Australia

W

Wade

United States

JD

Jo Dane

Melbourne, Australia

PT

Pattie Thomas

United States

DN

Don Nichols

United States

Elly

Woudrichem, United Kingdom

H

Hank

New Zealand

Regina

Charlotte, North Carolina, United States

JM

John Meserve

United States

DF

Daniel Fehr-Krahn

Winnipeg, Canada

C

Curtis

United States

MA

Mary Art Hunt

United States

B

Beth

United States

C

Chitti421

United States

Lou Kaucic

Sanbornton, NH, United States

Yustian Hartono

Singapore, Singapore

CN

Cyprien Noel

United States

BV

Ben Veal

United Kingdom

Max Lettenberger

Madison, WI, United States

Julia

United States

Kevin

San Francisco, United States

JC

JD Conley

United States

M

Marc

Newcastle upon Tyne, United Kingdom

KD

Kent Don

United States

Paul

Seattle, United States

JD

Jeff DePree

United States

Oliver Hasenberg

Iserlohn, Germany

SheabutterCottage

United Kingdom

Urszula

United Kingdom

Cristina Huesch

Canberra, Australia, Australia

NW

Nelson Wong

United States

TH

tom hd

United Kingdom

Pedro R-C

Cambridge, United States

Solon Brown

Singapore, Singapore

Martin Nielsen

Aarhus, Denmark

M

Mart

United Kingdom

Sarah and Dave

Toronto, Canada, Czech Republic

P

patricio

Yorba Linda, Ca, United States

Aran Dunlop

United States

Steven Hill

Barcelona, United Kingdom

Rosario von Li

San Jose, Ca, United States

Christopher Hey

Sudbury, Canada

Cliff

United States

IH

Isaac Hileman

United States

K

kris

Belgium

OH

Orion H.

United States

Roman Achmatow

Leipzig, Germany

DM

Dritan Muneka

United States

AH

Alex Hodson

United States

Dan Michael

Oslo, Norway

Thomas

Sweden, Sweden

Strong

Netherlands

Myria

New Mexico, United States

TO

Thomas O'Neil

United States

Craig Newmark

United States

The Zinc Team

San Francisco, United States

Humble Bundle Community

San Francisco, United States

MG

Morten Gade

Copenhagen, Romania

PW

Patrick White

Albuquerque, NM, United States

RR

Rushil Reddy

United States

D

Dalton

San Francisco, United States

The X2AI Team

San Francisco, United States

SM

Sanjana M

United States

Bo Rosén

Eslöv, Sweden

R

Raffins

United States

R

RMIM

United States

Paul Buchheit

Mountain View, United States

F

Florian

Netherlands

A

Alex

United States

LM

Lee Montecucco

Washington State, United States

K

Khoa

United States

Ask Ruth 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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