Entrepreneur
Name
Johnson
Member since
June 2011
On-time repayments
96 installments • 51%
About Me
I am a focused, hardworking Kenyan citizen man aged 28 Years, single and a holder of national diploma in computer science. In addition to this i have acquired professional certification courses in Information Technology from KASNEB in Kenya and several certifications in the information technology field.
After graduating from college, formal employment was not forthcoming and this gave me a big challenge to start my business. I also wanted to enlighten the youths and the general younger generation in my area about Information Technology Skills and how they can use them to fight poverty hence reducing crime and contributing to the national economy.
My Business
I run a computer business providing various services to the local community.The services provided by my business includes all Cybercafe services i.e Photocopy, Internet services, online filling of government forms,Scanning and printing. I also offer Information technology training where i impart the local community with computer skills. I also repair computers mainly for schools in the entire region and also offer consultancy services pertaining to information technology.
Many customers in the area prefer my business because i offer affordable services to them as my business is aim is to serve the society and profits comes second. My business offer professional services to the customers hence my products and services are always in great demand. Currently i have a pool of three energetic, highly skilled employees who assist me to run my business.
The major risk my business faces is high cost of doing business in Kenya, starting with very high electricity costs and rising house rents. In addition to this the cost of consumable products have gone high thus reducing the profit margin of my business.
The operating expenditure of this business is approximately Kshs 40,000 per Month, with a generating revenue/income of Kshs 82,000 per month.
Loan Proposal
One thing that I have noted in business is that there are emerging needs and challenges on daily basis. I can attest to this as a result of the challenges that I experience in running my computer services and accessories business. As I had said when applying for my second loan, the loan was meant to expand the scope of my business as far as the needs of my customers were concerned something that I successfully did after purchasing accessories as well as new machines.
One thing that I learnt after the introduction of information technology accessories is that there are diverse accessories and some of them require heavy capital investment to stock them. It is for this reason that I have seen it wise to introduce many accessories including the consumables such as toners, copier drums and spare parts for repairing computer related peripherals. According to my estimations, to successfully introduce these items requires a capital of about Kshs 500,000 ($5,900), and with about Kshs 200,000 ($2,000) savings that I have, I believe an extension of a loan of about Kshs 290,000 ($3,500) will go a long way in realizing my plans into reality. This is the main reason I am humbly making application for my third loan of about $3,500.
In future, I am planning to introduce outsourcing services and come up with new applications that will put my business ahead of the rest. I kindly appeal to the Zidisha community to finance my third loan and as usual I will strive very hard to make all the payments as stipulated. Thank you and may God bless the Zidisha community.
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Loan Info
Project Type
Classic Loan
Disbursed amount
$3,377.00
Date disbursed
Nov 5, 2013
Repayment status
Late
Projected term
73 months
Other loans
Lenders
Sarasota// Phnom Penh, United States
Amsterdam, Netherlands
Tromso, Norway, Norway
Germany
Geraldton, Australia
Jake Gibson and Beverly Picardo
San Francisco, United States
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Summary
Amount repaid
$1,821.43
Amount remaining
$2,576.92
Expected completion
Dec 18, 2019
Status
Repaying late
Installment amount
$23.81
Repayment History
| Expected Payments | Actual Payments | ||
|---|---|---|---|
| Dec 18, 2013 | $162.39 | Dec 18, 2013 | $162.39 |
| Jan 18, 2014 | $162.39 | Dec 18, 2013 | $0.70 |
| Jan 18, 2014 | $161.69 | ||
| Feb 18, 2014 | $162.39 | Jan 18, 2014 | $1.40 |
| Feb 18, 2014 | $160.99 | ||
| Mar 19, 2014 | $162.39 | Feb 18, 2014 | $3.30 |
| Mar 19, 2014 | $159.10 | ||
| Apr 19, 2014 | $0.43 | Mar 19, 2014 | $0.43 |
| May 19, 2014 | $69.05 | Apr 20, 2014 | $5.95 |
| May 19, 2014 | $63.10 | ||
| Jun 19, 2014 | $69.05 | May 19, 2014 | $1.19 |
| Jun 19, 2014 | $67.86 | ||
| Jul 19, 2014 | $69.05 | Jul 19, 2014 | $69.05 |
| Aug 19, 2014 | $69.05 | Jul 19, 2014 | $2.38 |
| Aug 21, 2014 | $66.67 | ||
| Sep 19, 2014 | $69.05 | Aug 21, 2014 | $4.76 |
| Sep 20, 2014 | $64.29 | ||
| Oct 19, 2014 | $0.00 | ||
| Nov 18, 2014 | $0.00 | ||
| Dec 18, 2014 | $0.00 | ||
| Jan 18, 2015 | $23.81 | Jan 19, 2015 | $23.81 |
| Feb 18, 2015 | $23.81 | Nov 12, 2015 | $23.81 |
| Mar 18, 2015 | $23.81 | Nov 12, 2015 | $23.81 |
| Apr 18, 2015 | $23.81 | Nov 12, 2015 | $23.81 |
| May 18, 2015 | $23.81 | Nov 12, 2015 | $11.90 |
| Jan 16, 2016 | $11.90 | ||
| Jun 18, 2015 | $23.81 | Jan 16, 2016 | $23.81 |
| Jul 18, 2015 | $23.81 | Jan 16, 2016 | $11.90 |
| Jan 28, 2016 | $11.90 | ||
| Aug 18, 2015 | $23.81 | Jan 28, 2016 | $11.90 |
| May 25, 2016 | $11.90 | ||
| Sep 18, 2015 | $23.81 | May 25, 2016 | $23.81 |
| Oct 18, 2015 | $23.81 | May 25, 2016 | $23.81 |
| Nov 18, 2015 | $23.81 | May 25, 2016 | $23.81 |
| Dec 18, 2015 | $23.81 | May 25, 2016 | $11.90 |
| Jun 21, 2016 | $11.90 | ||
| Jan 18, 2016 | $23.81 | Jun 21, 2016 | $23.81 |
| Feb 18, 2016 | $23.81 | Jun 21, 2016 | $23.81 |
| Mar 18, 2016 | $23.81 | Jun 21, 2016 | $23.81 |
| Apr 18, 2016 | $23.81 | Jun 21, 2016 | $23.81 |
| May 18, 2016 | $23.81 | Jun 21, 2016 | $23.81 |
| Jun 18, 2016 | $23.81 | Jun 21, 2016 | $11.90 |
| Jul 12, 2016 | $11.90 | ||
| Jul 18, 2016 | $23.81 | Jul 12, 2016 | $7.14 |
| Jul 15, 2016 | $16.67 | ||
| Aug 18, 2016 | $23.81 | Jul 15, 2016 | $7.14 |
| Aug 11, 2016 | $14.29 | ||
| Sep 14, 2016 | $2.38 | ||
| Sep 18, 2016 | $23.81 | Sep 14, 2016 | $19.05 |
| Sep 16, 2016 | $4.76 | ||
| Oct 18, 2016 | $23.81 | Sep 16, 2016 | $10.12 |
| Oct 27, 2016 | $13.69 | ||
| Nov 18, 2016 | $23.81 | Oct 27, 2016 | $19.64 |
| Nov 22, 2016 | $4.17 | ||
| Dec 18, 2016 | $23.81 | Nov 22, 2016 | $17.26 |
| Dec 14, 2016 | $6.55 | ||
| Jan 18, 2017 | $23.81 | Dec 14, 2016 | $17.26 |
| Jan 11, 2017 | $6.55 | ||
| Feb 18, 2017 | $23.81 | Jan 11, 2017 | $5.36 |
| Jan 18, 2017 | $10.71 | ||
| Jan 23, 2017 | $7.74 | ||
| Mar 18, 2017 | $23.81 | Jan 23, 2017 | $23.81 |
| Apr 18, 2017 | $23.81 | Jan 23, 2017 | $23.81 |
| May 18, 2017 | $23.81 | Jan 23, 2017 | $4.17 |
| Feb 22, 2017 | $10.71 | ||
| Mar 16, 2017 | $8.93 | ||
| Jun 18, 2017 | $23.81 | Mar 16, 2017 | $23.81 |
| Jul 18, 2017 | $23.81 | Mar 16, 2017 | $2.98 |
| Mar 20, 2017 | $10.71 | ||
| May 10, 2017 | $10.12 | ||
| Aug 18, 2017 | $23.81 | May 10, 2017 | $10.12 |
| Aug 17, 2017 | $13.69 | ||
| Sep 18, 2017 | $23.81 | Aug 17, 2017 | $10.12 |
| Sep 25, 2017 | $7.14 | ||
| Sep 28, 2017 | $5.95 | ||
| Oct 13, 2017 | $0.60 | ||
| Oct 18, 2017 | $23.81 | Oct 13, 2017 | $10.71 |
| Nov 23, 2017 | $8.33 | ||
| Dec 2, 2017 | $4.76 | ||
| Nov 18, 2017 | $23.81 | Dec 2, 2017 | $1.19 |
| Mar 12, 2018 | $3.57 | ||
| Feb 19, 2022 | $11.90 | ||
| Dec 18, 2017 | $23.81 | ||
| Jan 18, 2018 | $23.81 | ||
| Feb 18, 2018 | $23.81 | ||
| Mar 18, 2018 | $23.81 | ||
| Apr 18, 2018 | $23.81 | ||
| May 18, 2018 | $23.81 | ||
| Jun 18, 2018 | $23.81 | ||
| Jul 18, 2018 | $23.81 | ||
| Aug 18, 2018 | $23.81 | ||
| Sep 18, 2018 | $23.81 | ||
| Oct 18, 2018 | $23.81 | ||
| Nov 18, 2018 | $23.81 | ||
| Dec 18, 2018 | $23.81 | ||
| Jan 18, 2019 | $23.81 | ||
| Feb 18, 2019 | $23.81 | ||
| Mar 18, 2019 | $23.81 | ||
| Apr 18, 2019 | $23.81 | ||
| May 18, 2019 | $23.81 | ||
| Jun 18, 2019 | $23.81 | ||
| Jul 18, 2019 | $23.81 | ||
| Aug 18, 2019 | $23.81 | ||
| Sep 18, 2019 | $23.81 | ||
| Oct 18, 2019 | $23.81 | ||
| Nov 18, 2019 | $23.81 | ||
| Dec 18, 2019 | $1,998.35 | ||
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