Acquiring cows for dairy business

Elijah Cheruiyot Langat

Mogogosiek, Kenya

100% repaid

Entrepreneur

Name

Elijah Cheruiyot Langat

Member since

October 2016

On-time repayments

148 installments  •  70%

About Me

My full name is Elijah cheruiyot Langat born in a small village Siomo Bomet county in 1973. I am second born in a family of seven. My father was a driver and had a difficult time in educating us due to limited resources. I went to secondary school almost 300 kilometers away from home. Since my father was polygamous, we were five in high school. We all went to reputable high schools very far from home. I remember my father use to struggle paying our school fees on time and in full. Many instances I was left in school after closure waiting for fare back to home. The principal could at times dig into his pocket to give me fare home. I at times go to school without pocket money and the very necessities such as pens exercise books soap etc. This made me to work hard and become very innovative in life. I use to save any cent I come across to use while in school to buy my necessities.
After school I went to college did mechanical engineering diploma for three years. I remember my dad asking me not to join college because he was unable to pay for me. Since I am a strong believer of jesus Christ I trusted that God will help me to go through my college successfully. My dad accepted and paid for me first year fees. To the surprise of my dad and entire family, God helped me to get a sponsorship with Toyota Kenya which took me through meeting all the expenses. Later I secured myself a job. from there I have educated myself and did total quality management, Human resource management and technical education.

My Business

I am a small scale (Poultry and Dairy) farmer. Currently in the process of installing a biogas system through SISTEMA.bio. The entire project will cost me 178,800 to be completed. I have paid 17,880 as a deposit. Within 35 days they will install the system and require me to pay another 17,880. Thereafter i am expected to be paying 11,170 monthly for 12 months. I require the loan to pay the 17,880 and to buy fodder for my two dairy animals. I am also intending to buy one heifer to increase my dairy cows to 3.

Loan Proposal

I will purchase two dairy cows for my recently completed dairy unit. I have been running a zero grazing unit with three local breeds, two Frisians and one Ayrshire dairy cows. The production has not been impressive and the local milk market is on an increase. I therefore saw a need to upgrade my dairy cows to get better breed which is high yielding. This necessitated me to upgrade the unit so as to provide a comfortable housing for the animals.
I have just completed the unit and i am in the process of acquiring the dairy animals. I have already shopped and found good high yielding cows that can give a minimum of 25 litres per day so both will give me a minimum of 50 litres a day. The price for one 8 months in-calf cow is costing 160,000 and therefore both will cost me 320,000. I am able to raise 300,000 and i require a top up to fully pay for the dairy cows.

Income Source

As I have been running a dairy unit, milk is one commodity that is selling quite well even during this corona period. I have been selling milk locally and even run short due to low yielding cows that i have been keeping. I am sure that running a dairy unit where me and my family run, we shall be able to continue operating the business regardless of the covid-19. Most food business in kenya is regarded as most essential service and so the government have been encouraging those who produce food stuff to continue supporting the government by supplying the very essential goods to the market.
I am sure as a farmer that this will go a long way to support the country men be able to meet the very basic need to even assist during this covid-19 period

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$750.01

Date disbursed

Jun 28, 2020

Repayment status

On Time

Projected term

7 months

Cost to entrepreneur

Service fee: $63.21

Credit risk payment: $94.80

Lenders

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Raabo

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SueB1

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AltruisticSelfishnes

Chicago, United States

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Reston, United States

Hope2012

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Oslo, Norway

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golivera

Lima, Peru

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jozua

Delft, Netherlands

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Forba

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Withnail

Reading, United Kingdom

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Martin

Manama, Bahrain

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anonymus

Moon, United States

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Tallago3

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MichaelCausey

Camarillo, Ca, United States

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a f

washington, United States

johnandmoliehi

Canton, New York, United States

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ToddK

Indianapolis, IN, USA, United States

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proby24

Singapore, Singapore

Tavin

Ottawa, Canada

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anonymous123

United States

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cyrilleberger

Gammalkil, Sweden

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glomardor

Leonardtown, United States

Cloudways

Malta, Malta

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markusfitza

College Station, United States

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jzidi

Los Angeles, United States

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Austrian

Graz, Austria

peanut

Halifax, Canada

Hype1

Ashburn VA, United States

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Prysdahl

Marshall, United States

Andreas Kiss

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Aziza

Washington, United States

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Peksa

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glh25

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ianb723

ROCHESTER, United States

Patrick

Berlin, Germany

JTShorty

Gorham, Maine, United States

numbat

Perth, Australia

C

Colmena

Chicago, United States

paulclinton

malaga, Spain

A

AndrewC

London, United Kingdom

mojobob

Hayward, United States

stever

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JonB

London, United Kingdom

soniad

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ibc123

Seattle, United States

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MrMichigander

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mikeice

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Evan Lamos

Brussels, Belgium

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roozbeh

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Paul Buchheit

Mountain View, United States

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allie105

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Washington, DC, United States

chriseyre

Fremont, Ca, United States

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bscent

Hong Kong

Lisbeth

Perth, Australia

Grant Xavier Storer

Seattle, Wa, United States

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Lagrange

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Mike and Jacqui

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Joao Leal

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Sebastian Krohn

Amsterdam, Netherlands

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Sven

Netherlands

Jeroen Decock

Gent, Belgium

Dave Bogard

New York, United States

Karijn

Amsterdam, Netherlands

Mark

Nijmegen, Netherlands

MW

Matt Willis

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Wade

United States

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Pasi Paajanen

Helsinki, Finland

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Daniel Fehr-Krahn

Winnipeg, Canada

Kate Courteau

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Craig

Memphis, TN, United States

Richard

Shrewsbury, United Kingdom

moursund

Beaver Nation, United States

Kevin

San Francisco, United States

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JD Conley

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Ian

United Kingdom

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cota

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John Prendiville

Portland, United States

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Manaal Eisa

Washington DC, United States

CNV

United States

TH

tom hd

United Kingdom

MR

Michiel Rauws

San Francisco, Netherlands

Carla

Amsterdam, Netherlands

R

Rhys

Australia

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Tim Marvin

United States

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Gabri

Austria

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Frits

Rotterdam, Netherlands

Mark Grey

Redding, CT, United States

Aran Dunlop

United States

Callum Guy

Suffolk, United Kingdom

Amanda Orson

Stamford, Ct, United States

A

Andrei

United States

A

Adam

United Kingdom

EB

Ellen Batten

Kalamazoo, Michigan, United States

M

mariamfula

United States

R

Ryan

United States

Carlo Cruz

Cincinnati, OH, United States

Gabriel Fenili

Santo André, Brazil

VS

Vicki Stewart

Charlotte, United States

V

Vyas

United States

MR

Mean Rat

Netherlands

BS

Brandon S

United States

T

tonym

Australia

I

isaac

United Kingdom

RC

Rudi Chen

United States

SB

Sue Bucholz

Sacramento, United States

NG

Nick Gorrell

Surfers Paradise, Queensland, Australia

BW

Betty Waweru

United States

K

Kenny

United States

KirstenAlana

Los Angeles, United States

RG

Ravi Gadad

United States

Zack Stein

United States

JA

Jan Andresen

Hamburg, Germany

Sinan Taifour

Munich, Germany, Germany

SM

Sachet Marion

United States

Bart Vogelzang

Ladysmith BC, Canada

SA

Shar Alamdari

Los Angeles, United States

MC

Mark Cowburn

United States

RE

Richard Ellis

United Kingdom

Craig Travis Provyn

Bradenton, Florida, United States

RR

Rory Rohloff

United States

MF

Mike Frawley

United States

SM

Sue MacFarlane

United Kingdom

Day Family

Melbourne, Australia

VC

Victor Chong

United States

KA

Kate Aracri

United States

JD

JASON DORSETT

United States

Nadia Tuchman

New York City, United States

K

Kyle

Durban, United Kingdom

L

Lastoni

United States

D

Dalton

San Francisco, United States

HCPSPIRIT

Helsinki, Finland

DW

David Westmoreland

Colorado Springs, Colorado, United States

Melissa K

Portland, Oregon, United States

Dean Suminski

Portland, Oregon, United States

Diane U

Olympia, Wa, Usa, United States

Jean Wren Chan

United States

SM

Sanjana M

United States

Bo Rosén

Eslöv, Sweden

Z

Zidishartm

Rotterdam, Netherlands

M

Mack

Harbor, Oregon, United States

JF

J Fister

United States

LM

Laura Martin

United States

Lurch

United States

B

Brian

Rancho Cordova, United States

Paul Buchheit

Mountain View, United States

Jane

Ontario, Canada

Nethanel Kohen

NYC, United States

A

Anonymous

United States

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SallyM

United States

Carrie

Arlington, MA, United States

Darren Jeppson

Denver, Colorado, United States

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Haley

United States

PB

Powered by me

European Union, Netherlands

RD

Roel De Meester

Antwerpen, Belgium

Adam Öhman

Norrköping, Sweden

AM

Andy Marston

United Kingdom

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EJOBIV

United States

AA

Andrew and Kim

Nashville, TN, United States

PA

Peter A

New York City, United States

FP

Fred Pratt

United States

Elizabeth

Australia

SB

Stephen B

United States

WM

Will Martin

United States

SW

Sean Walsh

United States

JS

Justin Saxton

United States

Brian Thomson

Lyndoch, South Australia, Australia

Nick Studenski

Minneapolis, United States

Ryan Agnew

Australia

DO

Denis Ontiveros

Guildford, United Kingdom

B

Ben

United States

BR

Brian Rickman

United States

HW

Harry Wegert

United States

We Not Me

St. Paul, Minnesota, United States

Ask Elijah Cheruiyot a question about this loan project, share news and photos of your own, or send a simple note of thanks or inspiration.

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  • Elijah Cheruiyot Langat    Dec 4, 2021

    I have some bank loan to pay and my dairy and poultry.is not doing well

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  • Elijah Cheruiyot Langat    Aug 25, 2021

    I have lost my stock poultry and my cows dried

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  • Elijah Cheruiyot Langat    Aug 25, 2021

    I am so tied up na school fees. My cows dried up and i lost my poultry.

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  • Elijah Cheruiyot Langat    Jul 13, 2021

    The school fees for my kids has constrain me but willing to continue paying to complete the loan balances.

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  • Elijah Cheruiyot Langat    Jun 16, 2021

    Right now i am in a financial crisis. I lost my poultry stock and my dairy animals were not such productive. OI am planning to change and buy the high yielders

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  • Elijah Cheruiyot Langat    Jun 16, 2021

    I lost my poultry flock due to some disease outbreak and My dairy cows are currently dry. I had local breeds and i decided to sell and buy high yielders. This took all me income and i am almost picking up. Once i am ok, i will be able start paying as required.

    Thank you

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  • Elijah Cheruiyot Langat    Jun 10, 2021

    I have been having issues with my dairy farming and poultry. All my birds stop laying and i lost a number of them due to disease outbreak. My dairy farm has 3 heifers incalf and 1 which is almost drying. I am paying school fees and the corona outbreak has made life too expensive. I am trying to see how to start paying from 20/06/2021 onwards

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  • Elijah Cheruiyot Langat    May 18, 2021

    Currently my poultry is not productive I changed the stock and have not started laying. My cows are currently dry and i am struggling paying through other sources which is meagre. I had requested Zidisha that i pay monthly through salary which is paid once a month. I can consolidate four weeks contribution and pay once a month. I did not receive response.

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  • Elijah Cheruiyot Langat    Apr 7, 2021

    As psoted earlier i have a big hospital bill we are sorting out as a family. The bill for my niece amounting to 1.2million. I am playing a major role for this to be cleared. My niece is epileptic and she fell onto fire and was burnt 60%. Her arm was amputated and her right leg knee cap was replaced through surgery at Kijabe Hospital. She was first admitted in TENWEK referal hospital for about 2 months in ICU. It has never been easy and have tried to communicate several times to ZIDISHA to assist me in reducing my repayment of the loan to allow me sort out the issue.

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  • Elijah Cheruiyot Langat    Feb 18, 2021

    Hello Zidisha, I had a financial challange in the last one month up to now. My niece 16 years is epileptic and she fell on fire when she was alone. She sustained 60% burns until her hand was cut off on the wrist. She was taken to Tenwek referral hospital and to Kijabe Mission Hospital for specialized knee cap surgery. the bill went up to 1.2 million kenya shillings. We are in the process of raising money for the bill and organizing for fund drive. I am asking to reduce my weekly installments though planning to clear my loan on time early april 2021.

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  • Wilberforce Okelo    Feb 17, 2021

    Elijah is having financial challenges. He will adjust his weekly instalment to what he can afford.

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  • Elijah Cheruiyot Langat    Dec 28, 2020

    I want to thank first of all God almighty for favouring me with the gift of life at this time of Covid-19. It is indeed a great favour and gift from God to be alive and well. Secondly i thank greatly and sincerely my lenders Akshay Chalana and Joseph Hwang for accepting to fund my loan request and in a very short period. My you be blessed and be favoured by God in a big way.
    I am planning to buy fodder (hay) for my four dairy cows and also for my poultry. January to April is always a dry period in Kenya and dairy feeds/fodder is a challenge. So I will use my loan to purchase at least three months hay for my dairy cows. I will also buy poultry feeds for my layers and 200 chicks. Since i got a new venture in poultry of rearing cocks for 4 to 5 months then sell them for meat. Most Kenyans now days prefer white meat than beef. I tested my hypothesis this December where i sold 5 months 10 cocks at Kshs. 1000. Currently i have 110 three weeks old chicks. I also expect another over 100 chicks to hatch in two weeks time. I am planning to rear them and separate cocks from cockerels. Then keep cockerels for eggs and cocks for meat. This is a new opportunity I just discovered this December. I am so grateful and will work hard to grow my business to a higher level and ensure to pay my loan on time to enable me to take a higher loans in future.
    Thank you once more

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  • Elijah Cheruiyot Langat    Dec 25, 2020

    I would like to thank my lenders for the fantastic work you are doing. My loan assisted me to purchase additional two dairy cows. My current dairy unit host 4 dairy cows. Two are in-calf and two are lactating. I am hopeful that the two in-calf dairy animals will boost milk production to about 50 litres per day. This will generate revenue of 50 x 50 = 2500/= per day. The amount received per week will be 2500 x 7 = 17,500. That is Kshs. 70,000 a month. I also Keep poultry currently i have 50 laying improved kienyeji which gives me 40 eggs daily. 40 x 12.5 = 500 daily equivalent to 3,500 weekly and 14,000 every month.
    I also have 264 egg incubator that gives me between 150 to 210 chicks every month. I sell 1 day old chick at Kshs. 80, 1 week at Kshs. 150, 2 weeks at 250 a month at 350. This generates at least Kshs. 30,000 a month.
    Now i would like to apply for 90,000 loan to buy feeds for my 4 dairy cows and my laying kienyeji chicken and my chicks.
    In Kenya the months of January to March is always dry spell. Animal feeds is a challenge in this period. I would like to stock feeds that will last me at least three months.
    Once again I take this opportunity to thank my lenders for trusting me with their funds which went a long way in improving my livelihood with my family. I also worked hard to ensure I become a faithful servant to ensure i pay back on time. Although there were challenges along the way, God is faithful that he enabled me to clear even before the allowed period. Thank you and may the good Lord bless all of you as you continue lending me once again. I promise that i will work hard to keep my promise in paying on time and clearing the loan fully. God bless you.
    Yours Faithfully
    Elijah Cheruiyot Langat

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  • Elijah Cheruiyot Langat    Dec 3, 2020

    I have a challange due to reduction in milk production. My two incalf cows right now i have stopped milking since they are due in february. I have given two months to build up for better production next lactation period. Due to this income reduced considerably and i am buying feeds /fodder for the animals. I did not foresee this but i am planning myself to clear the loan soon if i get a source. Thank you

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  • Elijah Cheruiyot Langat    Oct 25, 2020

    I would like to reduce my weekly payments to 1501 due to financial constraints i am currently n going through. I am intending to complete my loan by 27/12/2020 as initially aimed. I will be able to increase my weekly payments to ensure i be on schedule.

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  • Elijah Cheruiyot Langat    Sep 30, 2020

    Just a question to ask. I do not understand the way loan progression is determined. All of a certain it changed from 114000 to 58,000. Yes if i did not clear my loan by 28/09/2020 then it would have remained 87,000. This demotivate. I thought it would not drop keeping in mind i do not fail to pay every week. I always ensure i pay may only delay one or two days depending on cash flows. Couldnt this be understood rather than seen as a defaulter and reducing my credit limit. 2 I asked about the amount retained as risk is it refundable? may someone answer me this from zidisha please!

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  • Wilberforce Okelo    Sep 4, 2020

    I have called Elijah and he's really trying to stick to the schedule, and he has promised to clear an overdue instalment by Sunday this week.

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  • Elijah Cheruiyot Langat    Jun 27, 2020

    I take this precious moment to thank all of the lenders for funding my dairy project. May God bless you all and never rum short of anything good because of your generocity and also funding me in a very short moment one day i can call it.
    This money will go a long way to assist me in toping up and buy two dairy cows. I am sure of meeting the demand of milk in my neighbourhood. Mllk demand has beeb on the rise now for a while now

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  • Elijah Cheruiyot Langat    Sep 23, 2018

    Loan Proposal,
    I am currently having 210 one month chicks, 264 eggs in the incubator and 600 2months chicks and 400 3 months chicks. I am requesting the lenders to fund me to boost my poultry project/Business. I will use the money to buy feeds for my chicks and also to build a better poultry house for my new flock. I am intending to raise my flock to 2000 chicken for egg production and start/expand my project for broilers. My intention is to start with 600 broilers in three categories of 200 each in varying ages to be able to have a continuous supply of broilers to my customers.

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  • Elijah Cheruiyot Langat    Jul 8, 2018

    My bleesed Zidisha team hereby attached are more photos taken in my dairy unit. Please approve my applied loan for the purpose of installing the biogas digester to assist me in organic farming, production of gas and power to use in poultry unit. once again thank you

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