Pharmacy stock and mobile money transfer business( mpesa)


Thika, Kenya

100% repaid




Member since

February 2014

On-time repayments

380 installments  •  57%

About Me

I am Tobias Lengo a Kenyan, who consider himself or known for his integrity and passion to succeed and motivate others in life. Honesty is the key principle in all of my business and personal engagement. I am a Christian who is also passionate about my faith which I practice what I believe in at all times. In addition, I believe in family values providing for and taking good care of my family being there and sacrificing for them. Besides, I have a soft spot for those who are in needy in the society and would go an extra mile to help them come of their situation and realize their God given potential of being independent and not depending on others to survive. I am not in business not only to make profit but mentor young people to get into income generating activities and avoid getting into crime related activities so as to survive. I have set and registered a self help group known as YIE BER SELF HELP GROUP to enable me reach out to such young people that are talented but jobless.

Zidisha has become part of my life and have seen my business grow over the years. My pledge is to support Zidisha family by being honest and sensitizing other to join and honor their credit payment obligations since I have seen Zidisha changing lives.

My Business

Executive Summary
I am a research worker who deals in academic research consultancy. Besides, I am a pharmacist who currently run one pharmacy outlet Mtwapa, Mombasa. after selling Thika branch so as to consolidate running capital and ensure a focused management. The pharmacy has two units; Medicine sales and Mpesa money transfer services. MPESA is money transfer business using mobile phones that is used to pay bills, shopping, send and receive money.

Other Business Units
Apart from the Pharmacy, Still in Academic Research business that I established with the help of Zidisha and Property Business that I have invested in a Land Buying and Selling company owned by young Kenyans with a vision to generate income. . This fifth loan will assist increasing my Mpesa business float that is low and cannot meet high demand of Mpesa services. With this business I will be able to comfortable pay back the loan.

My Need;

Currently my MPESA business have a float of US dollars 500 against a daily demand of 1500US dollars. In this kind of business the more float you have the more you earn. My monthly commission stands at $130 an increase in float will lead to 100% increase in commission, I plan to repay the loan monthly with 50% of my commission, Thus, I will be able to repay the loan within 6 months. '

I, therefore, need this loan of $920 to increase my float in my MPESA business which is ongoing and need to meet high demand from my clients. This will increase more traffic to my business and make more people aware of the Pharmacy products that I also sell.

Loan Proposal


I managed to open a new pharmacy a branch to the main one in Thika in Mtwapa. I need the loan to add more stock and get a mobile money transfer services agency from the SAFARICOM via their MPESA platform. MPESA is a money transfer currently use by more than Ten million Kenyans to send, receive, pay bills and do shopping. MPESA agents are paid commission for offering the services to the consumers. This will increase cash flow into the business. The Pharmacy is two months old and so far the sales are good. It is primly located in a tourist zone-Marina and a good catchment area for both Pharmacy and MPESA.

Sales Projections
With the loan my sales is projected to increase to 12,000 Kshs (80 dollars) per day giving me a gross profit of 3,600($36) daily. After paying the Dispensing Pharmacist , Rent and Utility Bills that amount to 45,000 monthly($450) I will be left with $486 to pay the loan, pay myself an invest back into the business.


I will invest Ksh. 40,398($ 402)in purchase of additional pharmacy stocks- pharmaceuticals drugs.

The remaining. Ksh. 20,000($201) on MPESA mobile transfer business

A total of Ksh. 60,398( $603).

Business Potential
Currently with the pharmacy I am doing well and with additional stock the business will be more stable. The place where the my pharmacy business is located has great potential for MPESA services. MPESA is a mobile money transfer in Kenya, that is popular and largely used in Kenya compare to any transfer. The MPESA will boost traffic to the business and at the same time cash flow.

Zidisha have helped me established business ventures that are profitable. Currently, I have employed a total of 7 people in various businesses. That is there are livelihood that are depending on these ventures. With continued partnership with Zidisha I believe the sky is the limit and more people will benefit from these businesses that are not only meant to earn profit but give back to the community as a social responsibility.






Loan Info

Project Type

Classic Loan

Disbursed amount


Date disbursed

Oct 9, 2016

Repayment status

On Time

Projected term

82 months


Matching Fund

Sterling, United States

Paul Buchheit

Mountain View, United States




Paul Graham

United States

The Zinc Team

San Francisco, United States

Humble Bundle Community

San Francisco, United States



United States



United States

Paul Buchheit

Mountain View, United States

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