Name
Philemon
Member since
January 2015
On-time repayments
207 installments • 41%
I’m a male Kenyan citizen born in the year 1984 in a village called Machorwa that is found in Kericho county Kaptoboiti Sub-Location southern part of Kenya Rift valley, started my early education in the year 1989 and completed my primary education in the year 1998. Joined secondary school education in the year 1999 and completed it in the year 2002. In college at Eldoret polytechnic, I studied Diploma in sales and marketing. I have worked as a banker with Barclay Bank in Bomet county. The kind of worked at Barclays Bank was not that secured in that the goals was to high to meet, so I opted to save a lot of money because the job was not secured. I left the job employment to start my own business of buying and selling the motorcycles (boda boda) parts at Kapsoit centre. I am able to work for a long period, which is, opening my business early enough before others open and closing business at a time when my customers are fully served. In addition to this, I give room for my customers to give feedback on the product I am selling, this helps in improving the quality of products and services given, on the other hand I do advice my customers especially the young people the benefit of saving and many have heeded to my advice making my business unique thus attracting more and more customers.
My business deals with all the selling of motorcycle spare parts , thus my business idea is to form an entrepreneurship that will identify gaps in my immediate environment and society at large and brings together resources in an innovative way to fill this gap that is: expand the business to cater for the big market available, to extend services related to this, of providing mechanics repair of the motorbikes, this will make me to be independent, self reliant and create job opportunities especially for the youths. My business provides the following products. Tyres, tubes, brake shoes, Brake pedals, lubricants, shock absorbers, cylinder heads, Wheel bearings, Mudguards, Sprocket, Gear selectors, all types bolts and nuts, helmets, Reflectors, Regulators- Ignition and many others. I have rented a house for business worth $100 for rent every month, $15 for electricity, $10 for water and stationery at $50.The security in the area is good as there is no high crime rate and our landlords have hired watchman. The area is near a road which has recently being tarmacked making my business accessible to many. In the near future I would develop good structures of mechanics and open up different branches in the area. Monthly sales is $625, cost of goods sold at $120 and purchases at $200 per month. This can give a gross profit of around $325 per month,I also do small scale horticulture that is spring onions, out door tomatoes and sweet potatoes. Through the profit I get from my business, I buy and keep heifer and bulls, later I sell them and stock my business.
If granted the loan, I will use the money to increase the stock due to the trust from the customers and brand loyalty. My customers have been very happy and queing to buy stock. The ,loan will be used to serve them well.
Due to rainy season that has started this week, customers of motorcycle need more tyres as old ones can,t move well in the rainy saeson. The loan will used for the following stock parts
a) Lubricants at $10
b) Bolts at $50
c) Tubes at $50
d) 1 Tyre at $40
e) Side Mirrors at $10
Positive
None
Neutral
None
Negative
None
Project Type
Classic Loan
Disbursed amount
$180.00
Date disbursed
Sep 23, 2015
Repayment status
On Time
Projected term
43 months
Other loans
Amount repaid
$188.10
Amount remaining
$0.00
Date repaid
Apr 20, 2019
Status
Fully repaid
Expected Payments | Actual Payments | ||
---|---|---|---|
Oct 4, 2015 | $4.00 | Oct 9, 2015 | $4.00 |
Oct 11, 2015 | $4.00 | Oct 16, 2015 | $4.00 |
Oct 18, 2015 | $4.00 | Nov 1, 2015 | $4.00 |
Oct 25, 2015 | $4.00 | Nov 1, 2015 | $4.00 |
Nov 1, 2015 | $0.00 | ||
Nov 8, 2015 | $1.00 | Nov 8, 2015 | $1.00 |
Nov 15, 2015 | $1.00 | Nov 19, 2015 | $1.00 |
Nov 22, 2015 | $1.00 | Nov 29, 2015 | $1.00 |
Nov 29, 2015 | $1.00 | Nov 29, 2015 | $1.00 |
Dec 6, 2015 | $1.00 | Dec 17, 2015 | $1.00 |
Dec 13, 2015 | $1.00 | Dec 17, 2015 | $1.00 |
Dec 20, 2015 | $1.00 | Dec 31, 2015 | $1.00 |
Dec 27, 2015 | $1.00 | Dec 31, 2015 | $1.00 |
Jan 3, 2016 | $1.00 | Jan 18, 2016 | $1.00 |
Jan 10, 2016 | $1.00 | Jan 18, 2016 | $1.00 |
Jan 17, 2016 | $1.00 | Jan 18, 2016 | $1.00 |
Jan 24, 2016 | $1.00 | Jan 18, 2016 | $1.00 |
Jan 31, 2016 | $1.00 | Feb 2, 2016 | $1.00 |
Feb 7, 2016 | $1.00 | Feb 9, 2016 | $1.00 |
Feb 14, 2016 | $1.00 | Feb 26, 2016 | $1.00 |
Feb 21, 2016 | $1.00 | Feb 26, 2016 | $1.00 |
Feb 28, 2016 | $1.00 | Feb 26, 2016 | $0.50 |
Mar 8, 2016 | $0.50 | ||
Mar 6, 2016 | $1.00 | Mar 8, 2016 | $0.50 |
Mar 13, 2016 | $0.50 | ||
Mar 13, 2016 | $1.00 | Mar 13, 2016 | $1.00 |
Mar 20, 2016 | $1.00 | Mar 28, 2016 | $1.00 |
Mar 27, 2016 | $1.00 | Mar 28, 2016 | $1.00 |
Apr 3, 2016 | $1.00 | Apr 29, 2016 | $1.00 |
Apr 10, 2016 | $1.00 | Apr 29, 2016 | $1.00 |
Apr 17, 2016 | $1.00 | Apr 29, 2016 | $1.00 |
Apr 24, 2016 | $1.00 | Apr 29, 2016 | $1.00 |
May 1, 2016 | $1.00 | Apr 29, 2016 | $1.00 |
May 8, 2016 | $1.00 | May 30, 2016 | $1.00 |
May 15, 2016 | $1.00 | May 30, 2016 | $1.00 |
May 22, 2016 | $1.00 | May 30, 2016 | $0.50 |
Jun 9, 2016 | $0.50 | ||
May 29, 2016 | $1.00 | Jun 9, 2016 | $1.00 |
Jun 5, 2016 | $1.00 | Jun 25, 2016 | $1.00 |
Jun 12, 2016 | $1.00 | Jun 25, 2016 | $1.00 |
Jun 19, 2016 | $1.00 | Jul 6, 2016 | $1.00 |
Jun 26, 2016 | $1.00 | Jul 6, 2016 | $1.00 |
Jul 3, 2016 | $1.00 | Jul 6, 2016 | $1.00 |
Jul 10, 2016 | $1.00 | Jul 10, 2016 | $1.00 |
Jul 17, 2016 | $1.00 | Jul 27, 2016 | $1.00 |
Jul 24, 2016 | $1.00 | Jul 27, 2016 | $1.00 |
Jul 31, 2016 | $1.00 | Aug 17, 2016 | $1.00 |
Aug 7, 2016 | $1.00 | Aug 17, 2016 | $1.00 |
Aug 14, 2016 | $1.00 | Aug 17, 2016 | $1.00 |
Aug 21, 2016 | $1.00 | Aug 17, 2016 | $0.80 |
Sep 8, 2016 | $0.20 | ||
Aug 28, 2016 | $1.00 | Sep 8, 2016 | $1.00 |
Sep 4, 2016 | $1.00 | Sep 8, 2016 | $0.80 |
Oct 12, 2016 | $0.20 | ||
Sep 11, 2016 | $1.00 | Oct 12, 2016 | $1.00 |
Sep 18, 2016 | $1.00 | Oct 12, 2016 | $1.00 |
Sep 25, 2016 | $1.00 | Oct 12, 2016 | $1.00 |
Oct 2, 2016 | $1.00 | Oct 12, 2016 | $1.00 |
Oct 9, 2016 | $1.00 | Oct 12, 2016 | $1.00 |
Oct 16, 2016 | $1.00 | Oct 23, 2016 | $1.00 |
Oct 23, 2016 | $1.00 | Oct 23, 2016 | $1.00 |
Oct 30, 2016 | $1.00 | Nov 11, 2016 | $1.00 |
Nov 6, 2016 | $1.00 | Nov 11, 2016 | $0.50 |
Nov 18, 2016 | $0.50 | ||
Nov 13, 2016 | $1.00 | Nov 18, 2016 | $1.00 |
Nov 20, 2016 | $1.00 | Nov 18, 2016 | $1.00 |
Nov 27, 2016 | $1.00 | Dec 2, 2016 | $1.00 |
Dec 4, 2016 | $1.00 | Dec 12, 2016 | $1.00 |
Dec 11, 2016 | $1.00 | Dec 27, 2016 | $1.00 |
Dec 18, 2016 | $1.00 | Dec 27, 2016 | $1.00 |
Dec 25, 2016 | $1.00 | Jan 1, 2017 | $1.00 |
Jan 1, 2017 | $1.00 | Jan 1, 2017 | $1.00 |
Jan 8, 2017 | $1.00 | Jan 22, 2017 | $1.00 |
Jan 15, 2017 | $1.00 | Jan 22, 2017 | $1.00 |
Jan 22, 2017 | $1.00 | Jan 22, 2017 | $1.00 |
Jan 29, 2017 | $1.00 | Feb 4, 2017 | $1.00 |
Feb 5, 2017 | $1.00 | Feb 4, 2017 | $1.00 |
Feb 12, 2017 | $1.00 | Mar 13, 2017 | $1.00 |
Feb 19, 2017 | $1.00 | Mar 13, 2017 | $1.00 |
Feb 26, 2017 | $1.00 | Apr 4, 2017 | $1.00 |
Mar 5, 2017 | $1.00 | Apr 4, 2017 | $1.00 |
Mar 12, 2017 | $1.00 | Apr 4, 2017 | $0.50 |
Apr 9, 2017 | $0.50 | ||
Mar 19, 2017 | $1.00 | Apr 9, 2017 | $1.00 |
Mar 26, 2017 | $1.00 | Apr 9, 2017 | $1.00 |
Apr 2, 2017 | $1.00 | Jun 19, 2017 | $1.00 |
Apr 9, 2017 | $1.00 | Jun 19, 2017 | $1.00 |
Apr 16, 2017 | $1.00 | Jun 19, 2017 | $1.00 |
Apr 23, 2017 | $1.00 | Jun 19, 2017 | $1.00 |
Apr 30, 2017 | $1.00 | Aug 31, 2017 | $1.00 |
May 7, 2017 | $1.00 | Aug 31, 2017 | $1.00 |
May 14, 2017 | $1.00 | Aug 31, 2017 | $1.00 |
May 21, 2017 | $1.00 | Aug 31, 2017 | $1.00 |
May 28, 2017 | $1.00 | Nov 3, 2018 | $1.00 |
Jun 4, 2017 | $0.75 | Nov 3, 2018 | $0.75 |
Jun 11, 2017 | $0.00 | ||
Jun 18, 2017 | $0.00 | ||
Jun 25, 2017 | $0.00 | ||
Jul 2, 2017 | $0.00 | ||
Jul 9, 2017 | $0.00 | ||
Jul 16, 2017 | $0.00 | ||
Jul 23, 2017 | $0.00 | ||
Jul 30, 2017 | $0.00 | ||
Aug 6, 2017 | $0.00 | ||
Aug 13, 2017 | $0.00 | ||
Aug 20, 2017 | $0.00 | ||
Aug 27, 2017 | $0.00 | ||
Sep 3, 2017 | $0.00 | ||
Sep 10, 2017 | $0.00 | ||
Sep 17, 2017 | $0.00 | ||
Sep 24, 2017 | $0.00 | ||
Oct 1, 2017 | $0.00 | ||
Oct 8, 2017 | $0.00 | ||
Oct 15, 2017 | $0.00 | ||
Oct 22, 2017 | $0.00 | ||
Oct 29, 2017 | $0.00 | ||
Nov 5, 2017 | $0.00 | ||
Nov 12, 2017 | $0.00 | ||
Nov 19, 2017 | $0.00 | ||
Nov 26, 2017 | $0.00 | ||
Dec 3, 2017 | $0.00 | ||
Dec 10, 2017 | $0.00 | ||
Dec 17, 2017 | $0.00 | ||
Dec 24, 2017 | $0.00 | ||
Dec 31, 2017 | $0.00 | ||
Jan 7, 2018 | $0.00 | ||
Jan 14, 2018 | $0.00 | ||
Jan 21, 2018 | $0.00 | ||
Jan 28, 2018 | $0.00 | ||
Feb 4, 2018 | $0.00 | ||
Feb 11, 2018 | $0.00 | ||
Feb 18, 2018 | $0.00 | ||
Feb 25, 2018 | $0.00 | ||
Mar 4, 2018 | $0.00 | ||
Mar 11, 2018 | $0.00 | ||
Mar 18, 2018 | $0.00 | ||
Mar 25, 2018 | $0.00 | ||
Apr 1, 2018 | $0.00 | ||
Apr 8, 2018 | $0.00 | ||
Apr 15, 2018 | $0.00 | ||
Apr 22, 2018 | $0.00 | ||
Apr 29, 2018 | $0.00 | ||
May 6, 2018 | $0.00 | ||
May 13, 2018 | $0.00 | ||
May 20, 2018 | $0.00 | ||
May 27, 2018 | $0.00 | ||
Jun 3, 2018 | $0.00 | ||
Jun 10, 2018 | $0.00 | ||
Jun 17, 2018 | $0.00 | ||
Jun 24, 2018 | $0.00 | ||
Jul 1, 2018 | $0.00 | ||
Jul 8, 2018 | $0.00 | ||
Jul 15, 2018 | $0.00 | ||
Jul 22, 2018 | $0.00 | ||
Jul 29, 2018 | $0.00 | ||
Aug 5, 2018 | $0.00 | ||
Aug 12, 2018 | $0.00 | ||
Aug 19, 2018 | $0.00 | ||
Aug 26, 2018 | $0.00 | ||
Sep 2, 2018 | $0.00 | ||
Sep 9, 2018 | $0.00 | ||
Sep 16, 2018 | $0.00 | ||
Sep 23, 2018 | $0.00 | ||
Sep 30, 2018 | $0.00 | ||
Oct 7, 2018 | $0.00 | ||
Oct 14, 2018 | $0.00 | ||
Oct 21, 2018 | $0.00 | ||
Oct 28, 2018 | $0.00 | ||
Nov 4, 2018 | $0.00 | ||
Nov 11, 2018 | $0.00 | ||
Nov 18, 2018 | $1.00 | Nov 21, 2018 | $1.00 |
Nov 25, 2018 | $4.00 | Nov 30, 2018 | $4.00 |
Dec 2, 2018 | $4.00 | Nov 30, 2018 | $4.00 |
Dec 9, 2018 | $4.00 | Jan 20, 2019 | $4.00 |
Dec 16, 2018 | $4.00 | Jan 20, 2019 | $4.00 |
Dec 23, 2018 | $4.00 | Jan 20, 2019 | $1.00 |
Jan 22, 2019 | $2.00 | ||
Jan 29, 2019 | $1.00 | ||
Dec 30, 2018 | $4.00 | Jan 29, 2019 | $3.00 |
Feb 7, 2019 | $1.00 | ||
Jan 6, 2019 | $4.00 | Feb 7, 2019 | $2.00 |
Feb 16, 2019 | $2.00 | ||
Jan 13, 2019 | $4.00 | Feb 16, 2019 | $3.00 |
Feb 20, 2019 | $1.00 | ||
Jan 20, 2019 | $4.00 | Feb 20, 2019 | $2.30 |
Mar 17, 2019 | $1.70 | ||
Jan 27, 2019 | $4.00 | Mar 17, 2019 | $4.00 |
Feb 3, 2019 | $4.00 | Mar 17, 2019 | $0.80 |
Mar 20, 2019 | $3.20 | ||
Feb 10, 2019 | $4.00 | Mar 20, 2019 | $4.00 |
Feb 17, 2019 | $4.00 | Mar 20, 2019 | $4.00 |
Feb 24, 2019 | $4.00 | Mar 20, 2019 | $3.80 |
Mar 25, 2019 | $0.20 | ||
Mar 3, 2019 | $4.00 | Mar 25, 2019 | $4.00 |
Mar 10, 2019 | $4.00 | Mar 25, 2019 | $4.00 |
Mar 17, 2019 | $4.00 | Mar 25, 2019 | $4.00 |
Mar 24, 2019 | $4.00 | Mar 25, 2019 | $4.00 |
Mar 31, 2019 | $4.00 | Mar 31, 2019 | $4.00 |
Apr 7, 2019 | $4.00 | Apr 9, 2019 | $4.00 |
Apr 14, 2019 | $4.00 | Apr 15, 2019 | $4.00 |
Apr 21, 2019 | $4.00 | Apr 20, 2019 | $3.50 |
Apr 20, 2019 | $0.50 | ||
Apr 28, 2019 | $0.35 | Apr 20, 2019 | $0.35 |
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