Entrepreneur
Name
Joyce
Member since
June 2014
On-time repayments
210 installments • 61%
About Me
My name is Joyce Wangui Murigu and I come from Nyeri county, central Kenya, but I am currently doing business in Mombasa County. I was born in a family of 6 where I am the third born. I am 32 years old and a single mother of one daughter, aged 6 years. I went to primary school and later to secondary school where I did my KCSE in 2003. I deal with mobile phone accessories where I operate a store in Mombasa town.
I am a hardworking person and I have worked my way up to where I am now. My aim is to provide for my young daughter and my aging parents back home. I intend to expand my business into a bigger store and hopefully start selling mobile phones as well.
My Business
I deal with mobile phone accessories, and my products range from phone skins and earphones to batteries and chargers. These products are in high demand in Mombasa, especially with the youth. I normally source these items from the capital city Nairobi, where I buy on wholesale and then I retail them. My ultimate goal is to make a trip outside the county when the business grows and get them from the source market.
I normally make about $350.00 after all expenses are paid. I have employed one worker who runs errands for me and serves as an attendant when we are very busy. I have always wanted to expand my business, but lack of credit has been a hindrance to my plans. By joining Zidisha, I hope to get the much-needed credit for my business expansion.
Loan Proposal
As mentioned above, I branched off from mobile phone business to farming. This new venture promised better returns than what I was doing before. I do my farming on a 1½ acre piece of land.
I am currently preparing land for plating of Irish potatoes and tomatoes which do very well in this region and there is a ready market for the same.
With this money, I will spend USD 100 to buy the seeds and land preparation. I will use a further USD 110 for pesticides and fertilizer. I will use the remaining balance for labor and other miscellaneous expenses.
I also do dairy farming and I have two milk producing cows. I will use the money from sale of milk to service this loan as I wait for the crop to mature.
About Me
My name is Joyce Wangui Murigu and I come from Nyeri county, central Kenya but currently doing business in Mombasa County. I was born in a family of 6 where I am the third born. I am 32 years old and a single mother of one daughter aged 6 years. I went to primary school and later to secondary school where I did my KCSE in 2003. I deal with mobile phone accessories where I operate a store in Mombasa town.
I am a hardworking person and I have worked my way up to where I am now. My aim is to provide for my young daughter and my aging parents back home. I intend to expand my business into a bigger store and hopefully start selling mobile phones as well.
My Business
I deal with mobile phone accessories and my products range from phone skins, earphones, batteries and chargers. These products are in high demand in Mombasa especially with the youth. I normally source these items from the capital city Nairobi where I buy on wholesale and then I retail them. My ultimate goal is to make a trip outside the county when the business grows and get them from the source market.
I normally make about $350.00 after all expenses are paid. I have employed one worker who runs errands for me at serves as an attendant when we are very busy. I have always wanted to expand my business but lack of credit has been a hindrance to my plans. By joining Zidisha, I hope to get the much needed credit for my business expansion.
Loan Proposal
As mentioned above, I branched off from mobile phone business to farming. This new venture promised better returns than what I was doing before. I do my farming on a 1½ acre piece of land.
I am currently preparing land for plating of Irish potatoes and tomatoes which do very well in this region and there is a ready market for the same.
With this money, I will spend USD 100 to buy the seeds and land preparation. I will use a further USD 110 for pesticides and fertilizer. I will use the remaining balance for labor and other miscellaneous expenses.
I also do dairy farming and I have two milk producing cows. I will use the money from sale of milk to service this loan as I wait for the crop to mature.
Feedback
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Loan Info
Project Type
Classic Loan
Disbursed amount
$418.00
Date disbursed
Apr 10, 2016
Repayment status
Late
Projected term
29 months
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Summary
Amount repaid
$300.78
Amount remaining
$138.11
Expected completion
Sep 11, 2018
Status
Repaying late
Installment amount
$3.02
Repayment History
| Expected Payments | Actual Payments | ||
|---|---|---|---|
| Apr 19, 2016 | $5.04 | Apr 19, 2016 | $5.04 |
| Apr 26, 2016 | $5.04 | Apr 26, 2016 | $5.04 |
| May 3, 2016 | $5.04 | May 2, 2016 | $5.04 |
| May 10, 2016 | $5.04 | May 9, 2016 | $5.04 |
| May 17, 2016 | $5.04 | May 15, 2016 | $5.04 |
| May 24, 2016 | $5.04 | May 19, 2016 | $5.04 |
| May 31, 2016 | $5.04 | May 27, 2016 | $5.04 |
| Jun 7, 2016 | $5.04 | Jun 2, 2016 | $5.04 |
| Jun 14, 2016 | $5.04 | Jun 8, 2016 | $5.04 |
| Jun 21, 2016 | $5.04 | Jun 15, 2016 | $5.04 |
| Jun 28, 2016 | $5.04 | Jun 23, 2016 | $5.04 |
| Jul 5, 2016 | $5.04 | Jul 1, 2016 | $5.04 |
| Jul 12, 2016 | $5.04 | Jul 5, 2016 | $5.04 |
| Jul 19, 2016 | $5.04 | Jul 12, 2016 | $5.04 |
| Jul 26, 2016 | $5.04 | Jul 22, 2016 | $5.04 |
| Aug 2, 2016 | $5.04 | Jul 26, 2016 | $5.04 |
| Aug 9, 2016 | $5.04 | Aug 1, 2016 | $5.04 |
| Aug 16, 2016 | $5.04 | Aug 12, 2016 | $5.04 |
| Aug 23, 2016 | $5.04 | Aug 19, 2016 | $5.04 |
| Aug 30, 2016 | $5.04 | Aug 24, 2016 | $5.04 |
| Sep 6, 2016 | $5.04 | Sep 7, 2016 | $5.04 |
| Sep 13, 2016 | $5.04 | Sep 7, 2016 | $5.04 |
| Sep 20, 2016 | $5.04 | Sep 22, 2016 | $5.04 |
| Sep 27, 2016 | $5.04 | Sep 22, 2016 | $5.04 |
| Oct 4, 2016 | $5.04 | Oct 1, 2016 | $5.04 |
| Oct 11, 2016 | $5.04 | Oct 1, 2016 | $5.04 |
| Oct 18, 2016 | $5.04 | Oct 8, 2016 | $5.04 |
| Oct 25, 2016 | $5.04 | Oct 14, 2016 | $5.04 |
| Nov 1, 2016 | $5.04 | Oct 28, 2016 | $5.04 |
| Nov 8, 2016 | $5.04 | Oct 28, 2016 | $5.04 |
| Nov 15, 2016 | $3.02 | Nov 7, 2016 | $3.02 |
| Nov 22, 2016 | $3.02 | Nov 7, 2016 | $2.01 |
| Nov 21, 2016 | $1.01 | ||
| Nov 29, 2016 | $3.02 | Nov 21, 2016 | $3.02 |
| Dec 6, 2016 | $3.02 | Nov 21, 2016 | $1.81 |
| Dec 5, 2016 | $1.21 | ||
| Dec 13, 2016 | $3.02 | Dec 5, 2016 | $3.02 |
| Dec 20, 2016 | $3.02 | Dec 5, 2016 | $0.81 |
| Dec 22, 2016 | $2.22 | ||
| Dec 27, 2016 | $3.02 | Dec 30, 2016 | $3.02 |
| Jan 3, 2017 | $3.02 | Jan 6, 2017 | $3.02 |
| Jan 10, 2017 | $3.02 | Jan 15, 2017 | $3.02 |
| Jan 17, 2017 | $3.02 | Jan 21, 2017 | $3.02 |
| Jan 24, 2017 | $3.02 | Jan 25, 2017 | $3.02 |
| Jan 31, 2017 | $3.02 | Feb 4, 2017 | $3.02 |
| Feb 7, 2017 | $3.02 | Feb 17, 2017 | $3.02 |
| Feb 14, 2017 | $3.02 | Feb 17, 2017 | $3.02 |
| Feb 21, 2017 | $3.02 | Feb 23, 2017 | $3.02 |
| Feb 28, 2017 | $3.02 | Mar 7, 2017 | $3.02 |
| Mar 7, 2017 | $3.02 | Mar 7, 2017 | $0.86 |
| Mar 15, 2017 | $2.17 | ||
| Mar 14, 2017 | $3.02 | Mar 15, 2017 | $1.71 |
| Apr 3, 2017 | $1.31 | ||
| Mar 21, 2017 | $3.02 | Apr 3, 2017 | $3.02 |
| Mar 28, 2017 | $3.02 | Apr 3, 2017 | $3.02 |
| Apr 4, 2017 | $3.02 | Apr 3, 2017 | $1.91 |
| Apr 12, 2017 | $1.11 | ||
| Apr 11, 2017 | $3.02 | Apr 12, 2017 | $3.02 |
| Apr 18, 2017 | $3.02 | Apr 12, 2017 | $0.10 |
| May 1, 2017 | $2.92 | ||
| Apr 25, 2017 | $3.02 | May 1, 2017 | $3.02 |
| May 2, 2017 | $3.02 | May 1, 2017 | $3.02 |
| May 9, 2017 | $3.02 | May 1, 2017 | $0.10 |
| Jun 6, 2017 | $2.92 | ||
| May 16, 2017 | $3.02 | Jun 6, 2017 | $3.02 |
| May 23, 2017 | $3.02 | Jun 6, 2017 | $0.10 |
| Jun 9, 2017 | $2.92 | ||
| May 30, 2017 | $3.02 | Jun 9, 2017 | $0.10 |
| Jun 27, 2017 | $2.92 | ||
| Jun 6, 2017 | $3.02 | Jun 27, 2017 | $3.02 |
| Jun 13, 2017 | $3.02 | Jun 27, 2017 | $3.02 |
| Jun 20, 2017 | $3.02 | Jun 27, 2017 | $0.10 |
| Jul 19, 2017 | $2.92 | ||
| Jun 27, 2017 | $3.02 | Jul 19, 2017 | $3.02 |
| Jul 4, 2017 | $3.02 | Jul 19, 2017 | $3.02 |
| Jul 11, 2017 | $3.02 | Jul 19, 2017 | $3.02 |
| Jul 18, 2017 | $3.02 | Jul 19, 2017 | $0.10 |
| Jul 19, 2017 | $2.92 | ||
| Jul 25, 2017 | $3.02 | Jul 19, 2017 | $0.10 |
| Sep 8, 2017 | $2.92 | ||
| Aug 1, 2017 | $3.02 | Sep 8, 2017 | $2.12 |
| Sep 18, 2017 | $0.91 | ||
| Aug 8, 2017 | $3.02 | Sep 18, 2017 | $2.12 |
| Oct 4, 2017 | $0.91 | ||
| Aug 15, 2017 | $3.02 | Oct 4, 2017 | $2.62 |
| Nov 13, 2017 | $0.40 | ||
| Aug 22, 2017 | $3.02 | Nov 13, 2017 | $1.61 |
| Nov 18, 2017 | $1.41 | ||
| Aug 29, 2017 | $3.02 | Nov 18, 2017 | $0.60 |
| Nov 18, 2017 | $2.01 | ||
| Dec 1, 2017 | $0.40 | ||
| Sep 5, 2017 | $3.02 | Dec 1, 2017 | $2.62 |
| Jan 3, 2018 | $0.40 | ||
| Sep 12, 2017 | $3.02 | Jan 3, 2018 | $3.02 |
| Sep 19, 2017 | $3.02 | Jan 3, 2018 | $2.62 |
| Jan 18, 2018 | $0.40 | ||
| Sep 26, 2017 | $3.02 | Jan 18, 2018 | $3.02 |
| Oct 3, 2017 | $3.02 | Jan 18, 2018 | $2.62 |
| Mar 8, 2019 | $0.40 | ||
| Oct 10, 2017 | $3.02 | Mar 8, 2019 | $3.02 |
| Oct 17, 2017 | $3.02 | Mar 8, 2019 | $3.02 |
| Oct 24, 2017 | $3.02 | Mar 8, 2019 | $3.02 |
| Oct 31, 2017 | $3.02 | Mar 8, 2019 | $0.60 |
| Nov 7, 2017 | $3.02 | ||
| Nov 14, 2017 | $3.02 | ||
| Nov 21, 2017 | $3.02 | ||
| Nov 28, 2017 | $3.02 | ||
| Dec 5, 2017 | $3.02 | ||
| Dec 12, 2017 | $3.02 | ||
| Dec 19, 2017 | $3.02 | ||
| Dec 26, 2017 | $3.02 | ||
| Jan 2, 2018 | $3.02 | ||
| Jan 9, 2018 | $3.02 | ||
| Jan 16, 2018 | $3.02 | ||
| Jan 23, 2018 | $3.02 | ||
| Jan 30, 2018 | $3.02 | ||
| Feb 6, 2018 | $3.02 | ||
| Feb 13, 2018 | $3.02 | ||
| Feb 20, 2018 | $3.02 | ||
| Feb 27, 2018 | $3.02 | ||
| Mar 6, 2018 | $3.02 | ||
| Mar 13, 2018 | $3.02 | ||
| Mar 20, 2018 | $3.02 | ||
| Mar 27, 2018 | $3.02 | ||
| Apr 3, 2018 | $3.02 | ||
| Apr 10, 2018 | $3.02 | ||
| Apr 17, 2018 | $3.02 | ||
| Apr 24, 2018 | $3.02 | ||
| May 1, 2018 | $3.02 | ||
| May 8, 2018 | $3.02 | ||
| May 15, 2018 | $3.02 | ||
| May 22, 2018 | $3.02 | ||
| May 29, 2018 | $3.02 | ||
| Jun 5, 2018 | $3.02 | ||
| Jun 12, 2018 | $3.02 | ||
| Jun 19, 2018 | $3.02 | ||
| Jun 26, 2018 | $3.02 | ||
| Jul 3, 2018 | $3.02 | ||
| Jul 10, 2018 | $3.02 | ||
| Jul 17, 2018 | $3.02 | ||
| Jul 24, 2018 | $3.02 | ||
| Jul 31, 2018 | $3.02 | ||
| Aug 7, 2018 | $3.02 | ||
| Aug 14, 2018 | $3.02 | ||
| Aug 21, 2018 | $3.02 | ||
| Aug 28, 2018 | $3.02 | ||
| Sep 4, 2018 | $3.02 | ||
| Sep 11, 2018 | $0.72 | ||
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