Clothing and shoe sales

Josephine

Masekini Village, Kenya

85% repaid

Entrepreneur

Name

Josephine

Member since

April 2013

On-time repayments

97 installments  •  40%

About Me

i am a widow aged 43 years with three children,one still in high school and 2 awaiting to join college.i started a business of selling clothes after the death of my husband to support my family since i am the sole bread winner.i sell clothes of people of different ages like males ware ladies ware children's ware etc.initially i used to hawk from door to door but now i have a stall at uvete market.Am looking forward to get funds from zidisha to boost my business.That way i will be assured of more stock to satisfy my clients.i will stock most of the things they had come and left because i had not stocked at least i will be able to retain my clients.

My Business

my business is located at uvete shopping center which is 16 kilometers from kilome market in makueni county.I started this business 7 years ago when my husband died leaving me with the responsibility of taking care of our 3 children. I started small from hawking ladies ware from door to door and later started my own stall.it is through this business that my children have remained in school and we also depend on it for our day to day survival.In a day i make at least Kshs 300 profit which is the reason why my business has grown.most customer buy from my shop because my prices are reasonable compared to the rest and i also give credit services.am looking forward to being funded by zidisha.

Loan Proposal

Hello Lenders

Thank you so much for being there for me and funding my applications always.We have a new market called Kiu that has come up as a result of the county centers after the general elections.I have found a new stall that i want to stock with clothes and shoes as this business has been good for the last 1 year and i want to expand.Kindly fund my application.

Feedback

None

None

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Loan Info

Project Type

Classic Loan

Disbursed amount

$488.00

Date disbursed

Mar 12, 2014

Repayment status

Late

Projected term

20 months

Lenders

johnandmoliehi

Canton, New York, United States

Zal0m0n

Atlantis!!!! x), Mauritania

Sarasota

Sarasota, Fl, United States

Matching Fund

Sterling, United States

JG

Jake Gibson and Beverly Picardo

San Francisco, United States

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  • Josephine    Sep 17, 2015

    I have been sick and am not able to pay as usual dude to my inability to run my business. The loan has been of great help. It really lifted my business

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  • Josephine    Mar 12, 2014

    I am really greatful that my loan is fully funded.Thank you lenders for the great support.Will make sure that i pay in time.

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  • Josephine    Mar 8, 2014

    Hello Lenders.Thank you so much for the contributions towards my loan this far.I am looking forward to full funding of my loan as soon as possible so that i pump it in to my business for a higher return.Thanks

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  • Josephine    Dec 7, 2013

    Hello lenders and the zidisha community.I have managed to compensate the months i had delayed.I am hoping to clear the loan soonest.Kindly amend my credit limit to where it was previously

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  • Josephine    Oct 15, 2013

    Hello.

    I have had a small problem of finances for the last one month and need to balance afew things.I will resume payments as soon as possible.Thank you.I am praying that this month will be a great one.i look forward to clearing all the amounts even before the given date above.i thank you people ery much for giving us borrowers the opportunity to reschedule the loan.

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  • Josephine    Sep 15, 2013

    Hello lenders,I always feel good every time i wake up to this page.I have been looking forward to the acceptance of bids every day for a whole week now,I is not because i cant help the excitement that comes with it.Over the weekend some of you visited my profile and did fund my application.Thank you very much for that.I really appreciate.I now wait upon others to also do something about my profile.

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    • Elefsie    Sep 16, 2013

      Dear Josephine,

      My son gave me a gift for my birthday which I received by email yesterday. It was a gift voucher with Zidisha; how wonderful! Such a lovely gift to receive so that I may have pleasure in the gift of giving rather than receiving. I don't understand the system fully yet as I thought, with a few dollars, I had completed the raising of funds for someone else yesterday only to find out there was something about bidding and the money was returned to me. I guess I will learn more about the system as time goes by.

      I also contributed to your loan and it was lovely to wake this morning to find your loan had been fully funded and accepted.

      I expect things have not been easy for you with the loss of your husband so young and bringing up your children single handedly. You are a very special person for having the strength and fortitude to do all you have done and I wish you all the very best with your endeavours.

      Have a lovely day,
      Best wishes, Linda (Elefsie)

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    • Elefsie    Sep 16, 2013

      Dear Josephine,

      My son gave me a gift for my birthday which I received by email yesterday. It was a gift voucher with Zidisha; how wonderful! Such a lovely gift to receive so that I may have pleasure in the gift of giving rather than receiving. I don't understand the system fully yet as I thought, with a few dollars, I had completed the raising of funds for someone else yesterday only to find out there was something about bidding and the money was returned to me. I guess I will learn more about the system as time goes by.

      I also contributed to your loan and it was lovely to wake this morning to find your loan had been fully funded and accepted.

      I expect things have not been easy for you with the loss of your husband so young and bringing up your children single handedly. You are a very special person for having the strength and fortitude to do all you have done and I wish you all the very best with your endeavours.

      Have a lovely day,
      Best wishes, Linda (Elefsie)

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  • Josephine    Sep 13, 2013

    Hello Lenders,Thank you so much for this far that you have funded my application.I am looking forward each day to accept my bids.I have been checking every moment to see the far it has gone .For two days now it has been 74%.Please lenders,i beg you in the name of God.Kindly kindly fund my application.I really need to grow my business and it is only you who can help me get there.Every morning i wake up and check my application.I hope the next time im checking i will find something higher than today,Thank you

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  • Josephine    Sep 12, 2013

    Hi all,I checked in here before i leave the house to Kasikeu market after my normal house chores.I was hopeful to accept the bids only to realize that it is still 74% from yesterday.Hello dear lenders ,kindly fund my application to the full.My plan was that i would go for overall stocking this saturday.Ooh my,i think i have to be more patient.Thanks so much for this far it has come.I will wait to accept them when it is fully funded.

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  • Josephine    Sep 10, 2013

    Today like any other Wednesday i will be going to salama market as it is a market there.I am preparing my last born son to go to school then have my chores cleared then go to uvete market,pick the bus and go.Today i am expecting a good turn up of customers both old and new,I hope with the loan i applied for i will be able to meet demands as they are high at the moment.The christmas season is almost here and i want to do much with it.

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  • Josephine    Sep 10, 2013

    Good morning Lenders.

    Thank you again so much for the progress as at now.I have been keen on the progress of my loan and i must say for sure it is quite encouraging to see people you have not met help you.I was praying for you all last night that the Lord may continue showering you with his great grace and wisdom..I believe that one day one time i will be able to lend like i have been lendend to.It feels so good to know that you have a financier so faithful like the lenders of zidisha.

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  • Josephine    Sep 10, 2013

    Hello lendfers,I can see the journey is still on.I have been praying that you fund my bid and for sure God is answeing my prayers.In the morning it was 2% and now it is 40%.I thank you all that have given towards my application.I am looking forward to seeing it funded in full as that is the only time i will be quaranteed to get it.How i pray the almighty to continue showering you people with blessings.

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  • Josephine    Sep 9, 2013

    Hello Lenders,Thank you so much for the person who has offered to start the long journey towards funding my application.It was always very exiting when one posts a loan application awaiting funding.One never sleeps waiting to check from time to time the progress of their application.I cant wait to accept my bids.Like i said earlier,i will never forget zidisha for the good work that they are doing for my family inform of loans that help us grow.

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  • Josephine    Sep 9, 2013

    Hello Lender,I am again at your mercies to be granted a loan to do business.Remember like i told you earlier, i am a widow with three children who all depend on me both for school fees and food,I started my business and somewhere along the way you came in to help.I thank you very much for being there for me.I beg you all to fund my loan application and God will bless you abundantly.

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  • Josephine    Sep 8, 2013

    Hello lender, I really appreciate the fact that you helped me when you knew me not.I am really really grateful to you and to the lord almighty too.Now that i have paid my loan ,i urge you to kindly grant me anotrher one that i promise to pay in time just like the other.I humbly request all of you to help me because this time round i would also like to do business and buy my ow laptop to ease communication with you as now i have to either hire a laptop like today or go to the cyber which is far away from my house,

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  • Josephine    Sep 8, 2013

    Once i get my second loan,i will travel immediately to nairobi to buy stock.I checked during the weekend and things are going up interms of prices because of the VAT bILL THAT WAS PASSED BY THE GOVERNMENT.iT IS VERY UNFAIR ESPECIALLY FOR THE COMMON CITIZEN LIKE ME WHO HAS NO EMPLOYMENT AND ENTIRLY DEPENDS ON HER BUSINESS.I want to purchase more stock before the bill becomes effective.

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  • Josephine    Sep 8, 2013

    I want to slell the stocks that i brought from nairobi over the weekend this week so that by the time saturday is here,i will not have to struggle much looking for money to go for more.If only my so didnt get ill.I want to expand greatly.This is why i cant wait to apply for my second loan.I pray that it will come as soon as i intend to use it .What would really happen where it not for zidisha?Maybe i would have closed down but you came at the very opportune time.

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  • Josephine    Sep 8, 2013

    I should be on my way to the market now but my last born son is unwell and i should take him to the hospital for medication.I hope he will be fine soon as i do nit want to loose on business today.Immediately i am done at the local dispensdary,i will take him home and go to the market as usual.Later in the day i will check if my payment as been posted.

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  • Josephine    Sep 8, 2013

    it is passed 5 am now.i had to borrow a neighbours laptopjust to check if everything was alright.I thought the time difference would affect th posting of my loan repaymentt only to realize that it has not been done.i quess i need to be more patient.God grant me this patience that i need rright now.

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  • Josephine    Sep 8, 2013

    Hi,I am looking forward to posting a new loan application soon.I urge all the lenders to support my bid as i really am earger to boost my business.I thank them all that funded my previous loana and i pray that they will find it in their hearts to desire to help more and more people.I pray for blessings un to you all each day of your life,Thank you

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  • Josephine    Sep 8, 2013

    Now all said and done,i am a happy mther to my children,. depend on my business for school fee,food and also any other need that arises.With my husband having passed on many years ago,i have done businesses here and there to sustain my family.I have kept my children in school and fed them,I pray that i will get another loan so that ui may continue growing my business.

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