Njoro household care and hardwares goods

Josephat

Njoro-egerton, Kenya

11% repaid

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Entrepreneur

Name

Josephat

Member since

June 2018

On-time repayments

18 installments  •  89%

About Me

Hello zidisha lenders, I was born on the slopes of Mount Kenya in Nyeri county. I went to school in Nyeri county after my high school i could not proceed to any training institution as my parent could not afford. Routinely my agemates started doing small business for upkeep i too i was not left behind but the major hinderance was "CAPITAL" I went was not left behind, but my business lack capital to venture into business. This time i had married and had a young family and all my young family depend on this business. This was the circumstances that i started in. My initial business was clothes but i have introduce other that the customers require like utensils and any other family needs. My changing is towards want the community arround require.

My Business

The goods that i supply to my esteemed customers are new and second hand clothes, Household utensils, children toys especially during festival period, this school holiday students and pupils makes trips mostly to see mount Kenya, Thomson fall and kilaguni lodge which was used by queen of holiday. All these historic sites are in my home area. The demand is high but my capability is limited with finance and my family depend on it. My income is used on restocking my business and family upkeep.

Loan Proposal

$40.00 for restocking $20.00 for new arrivals in the market and $10.00 for family upkeep and any charity. I will increase my income and more with efficiency service to the community. I hope to generate profit of 5%.

Feedback

2

None

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Loan Info

Project Type

Classic Loan

Disbursed amount

$68.00

Date disbursed

Dec 22, 2018

Repayment status

Late

Projected term

2 weeks

Other loans

Jun 2018:  $9

Jun 2018:  $12

Aug 2018:  $15

Sep 2018:  $32

Sep 2018:  $47

Nov 2018:  $47

Nov 2018:  $47

Lenders

Seppo Ruohonen

Vantaa, Finland

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

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  • Josephat    Dec 19, 2018

    Hello zidisha lenders, these loan i will buy goods for my shop and 5% will go for my upkeep and my daughter school fees. It definitely increase my stock as well as customers. Thank you for your support.

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  • Seppo Ruohonen    Dec 18, 2018

    God Bless You! You are hard worker.
    Seppo

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  • Josephat    Dec 13, 2018

    Thank you very much for your easier to pay loan, My previous loan i purchase household-wares, hardware's and for my family upkeep. The purchase has brought more customers to my stall which is quite good. I intend to generate about 5% profit. The more earnings i will use in restocking my enterprise. Our small girl graduated to her second level of training.

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  • Josephat    Nov 29, 2018

    Thank you for the loan, I will buy housewares, hardwares and some money for my upkeep and charity. Thank you once again for your support.

    Josephat Njoroge

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  • Josephat    Nov 22, 2018

    In my previous loan, I used the loan in restocking my business and small percentage was used for children fees. The loan increase the stock and thus customers, my business increased by 6% profit. This a festival season as all schools are in recess except some colleges.

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  • Josephat    Nov 15, 2018

    Hello zidisha lenders, I have been operating my business but since last week we are suffering from malaria a tropical parasite transmitted by a female mosquitoes. I therefore wish to reduce my payment for this period. Thank you.

    Josephat Njoroge.

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  • Josephat    Nov 12, 2018

    Hello zidisha lenders, I received KES.3863.00. I bought various items of hardwares and housewares for my business thank you for the support.

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  • Josephat    Nov 7, 2018

    Householdware $20.00 , hardware $10.00 and $10 for school fees and upkeep. Improve my premises as well as increasing number of customers.

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  • Seppo Ruohonen    Nov 7, 2018

    God Bless You

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  • Josephat    Nov 7, 2018

    In my previous loan i purchased household items and some hardwares like wheelbarrow spares, jembes, and spades for our business. These purchase made my stall look diverse and brought in more customers. I anticipate profit increase by 10%.

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  • Josephat    Oct 8, 2018

    I 'am sick since yesterday, and i have been on medication for last one day hope to recover soon.

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  • Josephat    Sep 27, 2018

    Hey zidisha lenders, i have received KES.3863.00 The loan will be for the business and family upkeep. Thank you


    J.Njoroge

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  • Josephat    Sep 26, 2018

    hello zidisha lenders, for the loan and i will be used for my hardware and household-wares. Little money for my family upkeep. Thanks in advance

    J. Njoroge

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  • Josephat    Sep 24, 2018

    I used my previous ;loan on the purchase of items as required by my customers. I purchased diverse households $10.00 , $10.00 hardware items. The rest for my children school fees and general upkeep for the family members. My earning has increased by 10% as the number of customers has been on the rise.

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  • Josephat    Sep 10, 2018

    This loan i will use it to purchase business items and some money for my child school fes. Thank you zidisha lenders.

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  • Josephat    Sep 9, 2018

    Hello zidisha lenders, I will purchase housewares and family related requirements. Since i joined zidisha my sales as increased as my purchase are a result what customers require.I hope make 17% profit after a good day sale! The school opened this week and most people went for school requirement. My housewares for boarding students was were i reaped more!

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  • Josephat    Sep 4, 2018

    Hello zidisha lenders, I received KES.1269.00 . This loan will be channeled to my business. Thank you for your continued support.

    Josephat Njoroge

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  • Josephat    Aug 6, 2018

    I had purchased, clothes and household requirements and required but the customers. This diversification has increased the number of customers to my business and income as well as profit has increased. The increased income has made me meet my young family requirements comfortably. The trend of my business i intend to enrol my small girl into a boarding school when she understands doing her personal hygiene.

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  • Josephat    Jul 17, 2018

    Thank you lenders. The loan i purchased boutiques items and various hardware requirements for the community. The purchase has made an increase of customs to my shop. I have made more sellers with different supplies thus it is easier to sustain my customers. Thank you for your support.

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  • Josephat    Jul 5, 2018

    Hello zidisha lenders, I have received KES. 1015.00 I will purchase cups, plates, and one ironsheet to repair a leaking roof. I thank my lenders.

    Josephat Njoroge.

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