Increase stock of M-Pesa, Airtel, Safari-com & electricity tokens

Nicholas John

Nairobi, Kenya

100% repaid



Nicholas John

Member since

May 2016

On-time repayments

243 installments  •  62%

About Me

I was in born in kitui County, in a family of six children and am the first born in my family. I went to kaliku primary school which was 8 kilometers away from my home. Kitui is a semi desert area with high temperature with scarce resources and being marginalized in terms of development. We had to walk for a long distance to get to school. I passed my exams well and joined high school at mutito boys. I completed my high school education through sponsorship from wellwishers. I passed my exam and proceeded to tertiary education at foundation Institute of Africa still through sponsorships. I pursued a diploma in the field of human resources management. Due to scarcity of job opportunities in my country, I didn't get a job at the moment and I applied for a loan through local chamas (youth group) to start my own business. People in my area are social, cooperative, religious and hardworking. I would like my children to be business minded people, respectful, industrious and God fearing, ready to give back to the society.

My Business

I deal with mpesa, airtel and electricity tokens services. I chose this business due to its demand for from the current economic growth and development margins the. The business is very important to me and my customers as it enhance security in terms of money safety and security. I spent $50 on weekly basis to get float and tokens for my customers. The returns are encouraging as I can make a profit of over 30%weekly. I spent my profit to pay rent, bills, growing my business and paying school fees for my brother and my niece who is an orphan currently in form one.

Loan Proposal

I will use the loan to increase my stock (float) in my business. $40 to buy mpesa floats, $30 to buy airtel floats, $20 to buy safaricom lines, $20 to buy airtel lines $8 to buy electricity tokens. This will help me to serve my customers satisfactory and effectively. This will increase my income profits by 20%weekly which will help me to run my business smoothly.





Loan Info

Project Type

Classic Loan

Disbursed amount


Date disbursed

May 17, 2016

Repayment status

On Time

Projected term

4 months

Cost to entrepreneur

Service fee: $8.19

Nicholas opted to pay $58.84 into the Zidisha Members Loan Fund in return for a higher starting credit limit.



Paul Graham

United States

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