Printer and laptop to enable me work home more conveniently

Joel

Nakuru, Kenya

45% repaid

Entrepreneur

Name

Joel

Member since

December 2013

On-time repayments

150 installments  •  50%

About Me

I am a Kenyan Citizen currently living in the county of Nakuru. I am an averagely educated person with at least a masters degree. One thing that i can tell members in this zidisha platform is that education is not everything. Honestly if education could automatically bring riches i would be!. I have come to believe that business is the shortest way to be come self reliant and grow to greater heights of your life time. I therefore decided to venture into business of my dream and a can boldly state that it is amazing. I therefore had about zidisha from a friend and i did not think much about it before i could join because i out rightly knew that it was all i needed to take my business to the next level. the most important thing now is to ensure that all the monies realised from this platform is utilised appropriately to promote the vision and mission of the zidisha fund or scheme. I am looking forward to remain cooperative and help myself grow grow and grow. Yes, you and me we can. thank you

My Business

I am in grocery type of business. i deal with a lot of grains as the major good component i trade in. the business is based in the Nakuru sub-a bub next to section 58 near kabachia. This area has got a good catchment area of majorly middle income earners hence the viability of the area. I started this business in the year 2010 and since then i have never found myself regretting. My motivation is comprised of the increasing need for food customization in our current society. Most people are now coming to reality with the fact that grains-stuffs and vegetables are the most healthy foods compared to flesh. This has made most families to revert to the consumption of more of natural food-stiffs. The business is doing well with my own assessment. My total sales for a bad month is about kshs37000, out of this, i fund an expenditure of kshs22000 thereby leaving me with kshs15000 as my net profit. Given the zidisha loan, i am convinced that my business will climb to another higher level since i am aiming at starting door to door delivery besides opening other outlet shops in other parts of Nakuru. I strongly believe that i am capable of repaying the amount of loan allocated to me within the scheduled installments. Thanks again to Zidisha as I wait to positively benefit from this scheme together with others.

In the recent past, following my business expansion plans, i have managed to acquire a laptop and currently doing a lot of online writing and academic consultancy services. I have managed to increase my earnings tremendously.

Loan Proposal

Given this fourth loan, I am planning to acquire office equipment including a printer and a second lap top to enable me employ an extra labor force as I am getting more and more work . Now having conducted an analysis, I need an estimated amount of up to $670 . I have managed to save some amount of up to $225. In this regard, the printer will be costing me $170. This will enable me cut on costs that I have been incurring as a result of printing on various computer bureaus within town. Further, I am planning to acquire a new laptop that will cost an estimated $500.

I project that if I will be able to get the two equipments, my earnings will increase from at least $170 per month to $280 per month (around $9 daily). From the $280, i will use $112 to pay recurring expenditures including one man labor and stationary papers besides toners. the remaining $170 will enable me make my weekly repayments without much struggle. thank you and I hope to get full funding of this loan request.

Feedback

2

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Loan Info

Project Type

Classic Loan

Disbursed amount

$450.00

Date disbursed

May 10, 2015

Repayment status

Late

Projected term

20 months

Lenders

J

jobo

Darmstadt, Germany

Dianne

Maryville, United States

valentin

Stockholm, Sweden

investor

Candiac, Canada

AdamP

Sunnyvale, United States

Umair Mahmood

Raleigh, United States

cyrus0302

San Francisco, United States

Johnny

shanghai, China

DeanDropshot

Oslo, Norway

I

Interfree

Dubai, United Arab Emirates

A

ashtanga99

Newport, United States

Kysera

Crawfordsville, United States

B

blahblah

Nuernberg, Germany

T

thejacobnorton

Jubail, Saudi Arabia

TheWhiteCat

Surrey, United Kingdom

S

SelvaMarcus

Green Cove Springs, United States

beverly

Vancouver, Canada

HE

help each other

Glasgow, United Kingdom

F

fisaire

Ithaca, United States

G

grahamfamily

Guildford, United Kingdom

T

tonilends

catalonia is not:, Spain

Cloudways

Malta, Malta

D

Dadiolafs

Vestmannaeyjar, Iceland

P

penguin3694

Chicago, United States

T

the0bauman

Hillsboro, United States

Jouni

Finland

ads68

Melbourne, Australia

handshake

Los Angeles, United States

D

DThirteen

Miami, United States

O

Oscart

Edmonton, Canada

M

mkellerman

Shanghai, China

fairspirit

Utrecht, Netherlands

BF

Bob Fitzjohn

Fontvielle, Monaco, Yemen

neocodesoftware

vancouver, Canada

isabelv

Barcelona, Spain, Sweden

greensheep

Jakarta, Indonesia

iamdaimo

London, United Kingdom

Zal0m0n

Atlantis!!!! x), Mauritania

gseletko

South Perth, Australia

mojobob

Hayward, United States

Z

ZandC

Sacramento, United States

Lambie

Perth, Australia

Matthieu

Switzerland, France

xtrahardware

Cazenovia, United States

J

jinx83

Brisbane, Australia

DJBic

Clinton, United States

A

Alexxa

Vancouver, Canada

HealthcareProvider

Baltimore, United States

E

E

Marin county, United States

J

jlberqie

Wake Forest, United States

H

Haavard

Bergen, Norway

E

emilyeaton

New York, United States

J

jcappel

Toronto, Canada

E

elourenco

Porto, Portugal

Evan Lamos

Brussels, Belgium

H

hambunny

Manchester, United Kingdom

G

GanSatya

United States

Walterlo

West Hollywood, United States

B

BobHope

United States

sderickson

Berkeley, CA, United States

O

oonbug

United States

pvilliger

Zurich, Switzerland

M

Malibu

Westwood, United States

H

HoseB

San Francisco, United States

Matching Fund

Sterling, United States

D

drorm

United States

cc5alive

Los Angeles, United States

C

ColoradoEmac

United States

L

lenders

United States

G

geoff

United States

S

spivurno

United States

M

meric

Australia

M

Michi

Switzerland

Pankratio

EastVan, Canada

K

Karpet

Faroe Islands

M

MaggieYG

United States

joshuacollinson

Vienna, Austria

A

ajayhk

San Jose, United States

J

jbhernan

United States

Agerfar

Aarhus, Denmark

H

hodor

Australia

mepster

San Francisco, Ca, United States

TyWee

Manila, Philippines

L

luckiestmonkey

United States

A

AlphaAres

Azerbaijan

J

JEllerby

United Kingdom

W

wesbh89

United States

S

SaraNT

United States

I

idris

United States

J

jdelaporte

United States

A

AlexH

United Kingdom

E

enigmatic

United Kingdom

S

stryker75

United States

SV

sven vdk

Twickenham, United Kingdom

A

adamdreaming

United States

S

Symoneous

Netherlands

S

Stephan

Netherlands

Robert

Sweden

HC

Howard Cheng

New York City, United States

MW

Matt Willis

United States

JG

Jake Gibson and Beverly Picardo

San Francisco, United States

Ask Joel 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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  • Joel    Oct 19, 2015

    business has slowed down.my commitment is to clear the loan within the shortest period possible

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    • enigmatic    Nov 15, 2015

      Dear Joel
      Thank you for your commitment and your repayments so far
      I hope business will pick up for you soon
      Kind regards,
      David

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  • Joel    Oct 16, 2015

    my pledge to Zidisha team that I will not let my lenders down in any way....my conviction is to pay the loan to it entirety and am working on a plan to keep track of my payments.

    thank you

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  • Joel    Jun 16, 2015

    The business has been picking slowly since i pumped in more funds. At the same time, I was considering registering my business to get registration number and this made me a little unstable. I therefore wish to reduce my monthly installment to kshs. 800 per week and will be increasing my installment after two weeks.

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  • Joel    May 11, 2015

    Hello lenders,
    I hereby take this precious opportunity to say thank you for having funded my loan fully. I had applied for a loan amount of kshs 40. 505. I have since received this amount already rolling my sleeves to get down to work in wisely utilizing the money for the intended purpose.

    For now I just say a big thank you and will be keeping zidisha team and the lenders updated on upcoming events regarding this loan.

    Thank you very much.

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  • Joel    May 7, 2015

    I am deeply impressed very much and happy for the response of you my lenders on this one. Thank you very much. I pledge my full commitment to repay my installment as they fall due.

    Secondly, I will use this loan to buy a printer of which i have identified a supplier and also purchase a laptop. These will allow me to take more jobs and definitely increase my earnings by a considerable margin.
    Thank you.

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  • Joel    Apr 26, 2015

    thank you so much lenders upto this point. Kindly more of you to help me raise this loan. My commitment to repay on time remains. Cheers

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  • ColoradoEmac    Apr 24, 2015

    Hey Joel,

    I wish I had more in the account at the moment to sponsor you More. It has been great to see your Progression and your always timely repayment of Loans.

    Thank you and Good luck

    Cheers

    Log in to reply • Share
    • Joel    Apr 25, 2015

      Hey ColoradoEmac,
      I really appreciate your contribution, otherwise its always my pleasure to make my repayments on time as they fall due. it is a personal and passionate commitment.

      Regards

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  • Joel    Apr 13, 2015

    I am happy that I was able to use this loan to achieve the intended purpose. Repaying has also been fun considering the flexibility that the Zidisha team has allowed. I hope to make my final installment on time. Thank you

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  • Joel    Apr 8, 2015

    it is all my joy and pleasure that i have been able to make consistent and prompt payment of all my installments whenever they fell due. I have since increased my earning which have been very stable of late. This is due to excellent services that i have continued to provide to my clients. Thank you zidisha lenders for enhancing my capacity to earn more income and also serve within my capability.

    Log in to reply • Share
  • Joel    Mar 28, 2015

    Hi lenders,
    once again i commit myself to you for the good work you play in promoting our (borrowers) economic welfare.
    this was my third loan and since i acquired it i have really achieved a lot. this can be evidenced by my consistency and timely in terms of making my installments when they fall due.

    I was given a loan of kshs 25000. I managed to acquire a second hand lap top but in good condition to facilitate my consultancy services.
    Since acquiring the lap top, i have managed to provide my consultancy service more efficiently beacause before then, i use cyber computers and this was quite inefficient.

    By this i have been able to make at least kshs 18, 000 a month. My services range includes,
    - business plan writing
    - Academic research project writing
    -Data analysis using SPSS
    I have managed to achieve this while working from home

    I am using my earnings to sustain my family of one kid
    i have also been saving kshs2,000 per month besides making a monthly repayment of kshs 4000.
    I am also glad to say that my son joined school and from the earnings i have managed to pay him school fees.

    Log in to reply • Share
  • Joel    Mar 10, 2015

    the returns are worthy with zidisha. thank you very much lenders and by this sky is the limit as I personally recommit myself to continue making my repayments as they fall due. My consultancy enterprise is on the desired track and hope to start expansion plans soon. thank you.

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    • enigmatic    Mar 10, 2015

      We're pleased to hear the business has been a success and I hope it continues to thrive. Thank you for keeping up to date with the repayments.

      Log in to reply • Share
  • Joel    Feb 14, 2015

    since acquiring a lap top last year with my third zidisha loan, i have increased my earnings and comfortably repaying. Apart from that my living standard is improving as evidenced belowThank you very much.

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  • Joel    Nov 26, 2014

    I had acquired my lap top to begin my consultancy service. In this line, most colleges and universities have closed here in Kenya so the business of academic consultancy services has gone down. I hope as from January I will be able to make the full payment of kshs 1844. Currently the Income in consultancy services has really decreased but considering my passion to continue making these payments regularly; I wish to reduce my installment amount to maintain the good relationship and trust I currently enjoy with Zidisha Team. Thank you

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  • Joel    Nov 18, 2014

    So far I have managed to acquire a second hand but ''good condition'' lap top and now working harder to stabilize my client base. Thank you Zidisha team and all lenders for it is now a dream come true towards owning a lop top. This will greatly impact my consultancy business.

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  • Joel    Oct 29, 2014

    Once again I thank all the lenders who have dedicated their financial resources to help me overcome my personal financial challenges, thank you very much and my wish is not to disappoint you. So far i have received the loan and in the process of trying to find additional money to meet the quoted price by the seller. Thank you I will be updating you on the progress of my lap top acquisition.

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  • Joel    Oct 26, 2014

    thank you all lenders who have contributed to my loan request so far. Here I am left with 22 hours to get my loan fully funded, i humbly request for the support of my lenders this far and potential lenders to assist me in getting this loan fully funded. Thank you all

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  • Susmiati    Oct 13, 2014

    success always for you. check my proposal is also yes. thank you.

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  • Joel    Oct 13, 2014

    I must state that currently i am living a more comfortable life thanks to Zidisha. My motivation has always been to borrow and pay on time to enable the money i am provided with circulate to other needy potential borrowers. I am confident that through the Zidisha platform, I will finally become financially stable by building an adequate business empire.

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  • Joel    Sep 10, 2014

    I just want to report that the funds i was given following my loan application has been so productive regarding my business financial requirements.
    I am glad and appreciate the lenders who have facilitated this program.

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  • James    Jun 26, 2014

    I am impressed by your business..Keep it up Joel..

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