Poshmetics Glam Shop

Joan

Nairobi, Kenya

100% repaid

Follow Joan How it Works

Entrepreneur

Name

Joan

Member since

February 2016

On-time repayments

290 installments  •  87%

About Me

Hello,

My names are Joan Wambui Ngugi, a 35 yrs old, am married to Andrew Maina and a mother of one, 6yrs old Austin Njuguna. I grew up in Thika, Muranga. I reside and work in Nairobi.

I am career woman, in Sales & Marketing for the last 7yrs, am currently the Sales & Marketing Manager in Nairobi's 4 star Hotel, Amber Hotel.

My Business

I have ventured into a small scale business in Beauty products; hair, face. I have recently added Human Hair to my product range.

I am looking to import wigs from Dubai and expand my online business as well as the shop within the year.

I was recommended by a close colleague and he advise on how Zidisha has helped him with his side hustle and now he is looking to expand.

Am grateful for the opportunity to access funds at no interest rates and also to my advantage that am in control of my repayment period and installments.

Loan Proposal

Dear Lenders,

I would like to request your financial assistance towards re-stocking my cosmetics shop. We are currently having daily average sales of Kes. 1,500 - 3,000 based on peak and off peak times.

With added stock of about Ksh. 50,000, we are likely to double that up almost immediately.

I look forward to your consideration and funding.

Yours Sincerely,
Joan Ngugi

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$444.00

Date disbursed

May 21, 2017

Repayment status

On Time

Projected term

5 months

Other loans

Feb 2016:  $300

Jun 2016:  $303

Aug 2017:  $770

Feb 2019:  $834

Dec 2021:  $815

Lenders

E7

Entrepreneurship 7

United States

The Zinc Team

San Francisco, United States

Humble Bundle Community

San Francisco, United States

Paul Buchheit

Mountain View, United States

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  • Joan    May 2, 2023

    Dear Lenders,

    Thank you for your financial support. I was able to stabilise my business and are now looking to venture into poultry farming for eggs sale.

    I would request for your financial support once again.

    Yours Sincerely,
    Joan Ngugi

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  • Joan    Oct 12, 2022

    Dear Lenders,

    I would like to adjust my repayments downwards in-order to manage my repayments.

    Thank you for your patience.

    Yours Sincerely,

    Joan Ngugi

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  • Joan    Sep 19, 2022

    Dear Lenders

    Thank you for your continued support.

    Kindly note am adjusting my repayment downwards to keep up with the monthly repayments.

    Best Regards,
    Joan Ngugi

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  • Joan    Aug 31, 2022

    Dear Lenders,

    Kindly note my request to adjust my repayments downwards.

    Thank you & regards,
    Joan Ngugi

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  • Joan    Aug 26, 2022

    Dear Lenders,

    Kindly note the amendments on the upcoming repayments.

    Yours Sincerely,

    Joan Ngugi

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  • Joan    Aug 1, 2022

    Dear Lenders,

    Kindly allow for me to adjust my repayments downwards accordingly

    Yours Sincerely,
    Joan Ngugi

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  • Joan    Jun 30, 2022

    Dear Lenders,

    Thank you for your ongoing support.
    I would like to keep my repayment adjustment downwards as I push the business to grow and realise higher profits.

    Many thanks
    Joan Ngugi

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  • Joan    Jun 13, 2022

    Dear Lenders,

    I would like to request to lower my installments accordingly.

    Many thanks
    Joan Ngugi

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  • Joan    Jun 3, 2022

    Dear Lenders,

    Thank you for your continued support. I will prolong my loan repayment period due to unforeseen circumstances.

    Thank you for your consideration

    Yours Sincerely,
    Joan Ngugi

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  • Joan    May 17, 2022

    Dear Lenders,

    Thank you for your continued support. Kindly note I would like to adjust my repayments downwards until my sales stabilise.

    Thank you & regards,
    Joan Ngugi

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  • Joan    May 1, 2022

    Dear Lenders

    Please note I am adjusting my repayment downwards as I reorganise my repayments.

    Thank you for your patience.

    Yours Sincerely,
    Joan Ngugi

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  • Joan    Apr 19, 2022

    Dear Lenders,

    Thank you for your patience.

    Kindly note am requesting for a repayment adjustment for the next few months as my sales have dwindled due to road works and hopefully that will increase once the road is open.

    Yours Sincerely,

    Joan Ngugi

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  • Joan    Apr 7, 2022

    Dear Lenders,

    I would like to reduce the repayment downwards for the next couple of months until business picks. We are currently experiencing slow sales, hoping for improvement in the near future.

    Yours Sincerely,

    Joan Ngugi

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  • Joan    Mar 13, 2022

    Dear Lenders,

    Kindly allow me to revise my repayment amounts downwards to manage my cash flows.

    Thank you & Bgrds,
    Joan Ngugi

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  • Joan    Feb 15, 2022

    Dear Lenders,

    I kindly request to adjust my repayment amount downwards for a while as I market my products to increase sales.


    Many thanks
    Joan Ngugi

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  • Joan    Jan 11, 2022

    Dear Lenders,

    Thank you for your support once again. I would like to adjust my repayments downwards so that i can have ordered stock delivered and ready for sale.

    I will adjust the amount upwards once i have the same done.


    Yours sincerely,
    Joan Ngugi

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  • Joan    Dec 31, 2021

    Dear Lenders

    Thank you for funding my project, it will go along way into expanding my product offering and hope to get more returns.

    I sincerely appreciate your support.


    Yours Sincerely
    Joan Ngugi

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  • James    Dec 26, 2021

    Keep going, good work.

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  • Aaron    Dec 18, 2021

    hello
    lets support each other

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  • Joan    Apr 7, 2021

    Dear Lenders,

    Many thanks for your support on the last loan, i sincerely appreciate it.
    It has really pushed my business going concern and in terms of paying for some overheads when business was too low.

    I will request for another loan, hopefully you will consider me again to receive your financial support.


    Yours Faithfully,

    Joan Ngugi



    Yours Sincerely,
    Joan Ngugi.

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