Overlock sewing machine

Rael

Nairobi, Kenya

100% repaid

Entrepreneur

Name

Rael

Member since

February 2015

On-time repayments

227 installments  •  39%

About Me

I was born and raised in Nairobi. I met my husband in college and after we graduated we got married. Our wedding ceremony plans were tight due to budgetary constraints. My husband-to-be asked me to make my gown! I did, and that saved us thousands of shillings. Then many friends began to ask for gowns too. Our first baby came and when I wasn't nursing her I was working on several dress designs fro my new clients. I realized I had a God-given talent and immediately set forth labor charges. Today, ladies bring in their fabric and we discuss the dress design and charges , then I sew the dress in three days. Although this has worked, there is still greater potential in buying the fabric myself and making all-size dresses, boys' and girls' outfits for sale in and out of Nairobi. We have seven kids and I love looking after them while working from home. I don't have a maid. Our teenage daughter Michelle loves what I do and has began learning the ropes. Our garage serves as my studio (we don't have a car). My husband doesn't have a regular job. He is training for Christian ministry. All my earnings go into our upkeep and I am unable to raise my own stock. I am happy to learn about Zidisha because this is just what I need.

My Business

Besides the occasional wedding gowns, I design and stitch dresses, make earrings and necklaces to match, handbags, curtains, aprons, bed covers, seat covers and pillow cases. Ladies love the African "kitenge" for weddings. This has been my most popular line of production. I charge an average of $20 per dress. This brings me a monthly income of $270 although in a good month I can make up to$400. All this goes towards our upkeep.

Loan Proposal

I have managed to improve my business especially in the area of ready-made outfits. Thanks to Zidisha! More fabric is always a good step for my business, but this time,I will give priority to purchasing an overlock machine that does " finishing". This machine makes sure the inside of the outfit is done neatly.Once again, thank-you Zidisha.

Feedback

2

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Loan Info

Project Type

Classic Loan

Disbursed amount

$243.00

Date disbursed

Mar 20, 2016

Repayment status

On Time

Projected term

43 months

Lenders

Franmiguel

Perth, Australia

Ask Rael 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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  • Zacharia    Dec 9, 2018

    Hallo Rachel hope all is well. How is everything and business. Please inform the lenders on how you are doing and when planning to make your payments.

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  • Zacharia    Nov 9, 2018

    Hi Rachel its another month all together and I hope business is well. Kindly communicate to lenders concerning your payment for zidisha.
    Regards
    Zachary

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  • Zacharia    Oct 2, 2018

    Hi Rachel i hope all is well and your business. Am kindly requesting that you update lenders on your repayment scheduled. they would really be happy to hear from you.
    Have a blessed morning.

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  • Zacharia    Jul 16, 2018

    Hi Rachael hope you are well and the business too. Please kindly get intouch with the lenders and inform them on your regular payments and when you are likely to make the payments. Otherwise have a great day and wish you all the best in your business.

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  • Zacharia    Jun 10, 2018

    Hey Rachel good evening? Hope all is well same back here. how is your business doing? Kindly update lenders on your payment for your current loan remember constant communication to them increases the trust between you and lenders. otherwise i wish you all the best in your business.

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  • Zacharia    Apr 28, 2018

    Hey Rachael are you well ? What of your business? Kindly inform the lenders on your business progress and how you plan to make your weekly payments and just in case you have a problem with the payments or anything else you are free to talk to them anytime you feel like. Have a blessed evening and wish you all the best in your business.

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  • Zacharia    Nov 9, 2017

    Hey Rael hope are well same back here. Kindly inform the lenders about your loan i can see u are in arrears. Is there something wrong? Have a blessed day
    zachary

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  • Zacharia    Oct 6, 2017

    Hallo Rael I hope you are doing well and business too. Kindly inform the lenders about your loan and progress plus the payment. Otherwise have a great morning.

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  • Zacharia    Aug 18, 2017

    Hallo hope you are well and the business is great too kindly update the lenders why you have not been in a position to make your payments.
    wish you well in your business
    Regards
    Zachary Kwanya.

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  • Zacharia    Jun 1, 2017

    Hi hope u are well, your loan is 80 days in arrears kindly reschedule your loan or update the lenders on the reason as to why you have not made your payment which is almost three months.
    regards
    Zachary

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  • Zacharia    Apr 3, 2017

    Hey hope you are doing well and your business. It's been awhile since you last paid your loan kindly inform lenders the reasons as to why I you have taken time before doing so. Wish you all the best in your business.
    Regards
    Zachar

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  • Franmiguel    Dec 5, 2016

    Hi Rael,
    Happy Holiday Season to you.
    I hope you and your business have a great 2017.
    Regards
    Michael

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  • Rael    Mar 30, 2016

    Thanks Michael for the explanation and the link. Indeed I got a good one and once in my pocession at my work studio,I will take pics. Thanks again!

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  • Rael    Mar 29, 2016

    Hi Michael, I had a little trouble getting the machine,given that I wasn't aware that we were going to pay for insurance with more than half the amount of loan. However,I managed to get a good second hand. Thanks again. I will be sending some pics soon.

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    • Franmiguel    Mar 29, 2016

      Hi Rael,
      I am glad that you have found a good machine.
      Regarding the "insurance", I know that the borrowing rules changed a little time ago.

      The "About" page states: "Rael also deposited $144.44 into the Zidisha Members Loan Fund as security for lenders against default. Rael may withdraw the Members Loan Fund deposit at any time, as long as all outstanding loan amounts are repaid to lenders.
      The cost paid to join Zidisha is only paid once and entitles Rael to raise an unlimited number of loans at zero interest. "
      There is also a link to explain further ...
      www.zidisha.org/faq#faq-7

      I know that it can be disappointing to not get the whole loan amount, but it is money that you will be refunded whenever you ask, if you have no outstanding loans.
      Think of it as a forced savings plan...
      Hope everything else is going well.
      Michael

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  • Rael    Mar 14, 2016

    Hi Michael, I'm excited to let you know that I've paid my loan and I'm applying for another. Thanks for the positive compliments,and for the great support you have been.
    God bless you.

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    • Franmiguel    Mar 14, 2016

      Hi Rael,
      Thanks for being such a great borrower.
      I hope that the loan has benefited both you and your business.
      You certainly appear to be very busy, and you obviously love what you do.
      Are the laptop bags available for purchase online - through Facebook or somewhere?
      All the best in the future
      Michael

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  • Uday Kolluri    Mar 1, 2016

    very nice

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    • Rael    Mar 14, 2016

      Thank-you so much Uday. I have completed paying for the loan and I'm applying for another, I hope for your support. Thank-you.

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  • Rael    Feb 26, 2016

    Hi Michael and Uday, see the laptop bags!

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    • Franmiguel    Mar 10, 2016

      Hi Real,
      The bags look great; I hope they are great sellers.
      All the best,
      Michael

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  • Uday Kolluri    Feb 15, 2016

    Very nice! How are you advertising for you business? You should print some flyers and put them in hair, nail, and beauty salons. You should also create an instagram account and take pictures of your dresses every time you finish making them and keep posting them on your account. you can then put a URL for your instagram account on your flyer when you print them so people will see your latest styles. you should encourage your customers to tell their friends about your business. create business card size coupons with message like this www.hanes.com/images/onewor...

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  • Rael    Feb 12, 2016

    Uday!
    I'm honestly pleased to hear from you.Thanks.
    Recently I made Sling bags for laptops,for an organization. Take a look.

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  • Uday Kolluri    Feb 9, 2016

    your backpacks are very colorful. hope you have a lot of nice sales and your business does well.

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