Purchase of a cow to increase milk production

Sarah

Eldoret, Kenya

66% repaid

Entrepreneur

Name

Sarah

Member since

April 2014

On-time repayments

236 installments  •  29%

About Me

l was born in 1981 and l am the last born among 8 children, four boys and four girls. My birth place is Kipkaren Salient Location in Nandi North County.
l went to Laboret AIC Girls Boarding Primary School then proceeded to Gusii Highlights’ High School for my secondary education.
l am in college studying counseling psychology .I decided to do this after I became a victim of depression when my loving father died in 2007.I was my father’s baby and never lacked anything I wanted. I remember the happy moments I had when my father was still alive. My problems started immediately after his death. I went through hell as no one seemed to care about me except my loving mother. A counselor helped me out of this situation and so I would like to help other girls /single mothers in similar situations within my community.
I live with my aging widowed mother who supports me with my two kids. We depend on her for all our financial needs. In this hard economic times, the money she earns from the maize garden and the few dairy cattle is not enough for all of us. This scenario made me decide to start dairy farming as well as poultry keeping. My mother gave me a dairy cow to jump start me in my farming business. I have since manage to buy one more cow and 60 layers.
I use the earnings from my farm produce to meet my financial obligation though it’s still far much less than my requirements. My first born son is in high school and his sister in grade one and with me in college the fees required is huge. I have also employed a helper on the farm. The budget is big hence the need to expand the business.
A part from counseling the girls and single mothers in my community, I like listening to gospel music and reading inspirational books. I also go to church and participate in various church activities. However I believe that a will be of big help to my peers after graduating at the end of this year, God willing. I intent to form an organization that would articulate on issues affecting the rights of single mothers.
My big dream is to own a piece of land where a would settle with my kids. I can only achieve this by doubling my income from my business. Will be able to meet all my financial needs and even have some savings towards the purchase of land.
I want to shame my selfish brothers who, even after taking away the piece of land that my late father had given to me, disowned me. Right now the big worry that gives me sleepless nights is if my aging mother dies. Where would my kids and I live since its obvious my brothers would not want me on the family piece of land. Anyone who supports me achieve my big dream will be my hero/heroin. I leave this to God.

My Business

My business is Farm based on the family’s land as l do not own any. My mother donated a dairy cow to start me off and now l have two after l managed to buy another one from the profits l made.
l make some good profit from my two cows since the milk is purchased by Brooke Side Company and collected on daily basis. The company is very reliable in service delivery which ensures farmers that their milk will never get spoilt.
From my two cows l get 30 liters of milk on average per day so in one month l get 900 liters. Brooke Side buy my milk @ 30 Kenya shilling per liter.
Apart from the dairy cows l have also introduced layers .l have 60 day old chicks that are now four weeks old and will start laying in the next two weeks. The high demand for eggs in Eldoret town informed my decision to keep the layers.
INCOME GENERATION FROM THE COWS
30 liters per day x 30 days =900x 30 shilling per liter=27000/=($300)
EXPENDITURE
Dairy meal=2 bags @4000/=
Spray twice a month @ 400/=
De-worming once a month @ 400/=
Vaccines @1000/=
Transport @2000/=
Herds Boy @2000/=
Miscellaneous @1000/=
Total 10800/=($120)
Profit =$180
EXPECTED INCOME FROM THE LAYERS
2 trays of eggs per day @ 450/= per each=900/= x 30 days =27000/=
EXPENDITURE
Layers mash 2 bags a month @ 4000/=
Vaccines @1000/= 1000/=
Heating system (Kerosene)@ 2000/= a month
Transport 2000/=
Miscellaneous 1000/=
Total 10000/= ($111)
Profit $180+$111=$291 per month
The risks involved in this business include epidemic out breaks, theft eggs breakages and lack of transport during wet seasons.

Loan Proposal

l will buy another cow at the cost of $390 and use the balance $56 for feeds and veterinary services.l need anther Fresian cow which is high in milk production as compared to jersey.lt will add 20 liters of milk per day and this will boost the production by my other three cows.
There is a possibility of Brook side to improve the price of milk per litre from $4 to $4.5 and this will be a big boost to my income.
l am also shopping for a good herds boy who will assist me with the now increasing work on my farm.l can now clearly see myself buying a piece of land sooner than l had anticipated

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$469.00

Date disbursed

Sep 22, 2014

Repayment status

Late

Projected term

53 months

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Summary

Amount repaid

$473.47

Amount remaining

$248.18

Expected completion

Feb 16, 2019

Status

Repaying late

Installment amount

$2.30

Repayment History

Expected Payments Actual Payments
Oct 4, 2014 $5.85 Oct 4, 2014 $5.85
Oct 11, 2014 $5.85 Oct 18, 2014 $2.57
Oct 25, 2014 $3.28
Oct 18, 2014 $5.85 Oct 25, 2014 $0.06
Nov 2, 2014 $5.79
Oct 25, 2014 $5.85 Nov 2, 2014 $0.07
Nov 8, 2014 $5.78
Nov 1, 2014 $0.08 Nov 8, 2014 $0.07
Nov 22, 2014 $0.01
Nov 8, 2014 $0.00
Nov 15, 2014 $3.31 Nov 22, 2014 $2.98
Nov 30, 2014 $0.33
Nov 22, 2014 $3.31 Nov 30, 2014 $3.31
Nov 29, 2014 $3.31 Nov 30, 2014 $3.31
Dec 6, 2014 $3.31 Nov 30, 2014 $3.31
Dec 13, 2014 $3.31 Nov 30, 2014 $2.98
Dec 13, 2014 $0.33
Dec 20, 2014 $3.29 Dec 13, 2014 $3.28
Jan 24, 2015 $0.01
Dec 27, 2014 $0.00
Jan 3, 2015 $0.00
Jan 10, 2015 $6.90 Jan 24, 2015 $6.89
Jan 31, 2015 $0.01
Jan 17, 2015 $0.00
Jan 24, 2015 $0.00
Jan 31, 2015 $3.31 Jan 31, 2015 $3.30
Feb 14, 2015 $0.01
Feb 7, 2015 $3.22 Feb 14, 2015 $3.21
Mar 31, 2015 $0.01
Feb 14, 2015 $0.00
Feb 21, 2015 $0.00
Feb 28, 2015 $1.15 Mar 31, 2015 $1.15
Mar 7, 2015 $1.15 Mar 31, 2015 $1.15
Mar 14, 2015 $1.15 Mar 31, 2015 $1.15
Mar 21, 2015 $1.15 Mar 31, 2015 $1.14
Apr 18, 2015 $0.01
Mar 28, 2015 $0.00
Apr 4, 2015 $0.00
Apr 11, 2015 $0.00
Apr 18, 2015 $3.45 Apr 18, 2015 $2.00
Apr 26, 2015 $1.45
Apr 25, 2015 $3.45 Apr 26, 2015 $2.00
May 6, 2015 $1.45
May 2, 2015 $2.01 May 6, 2015 $2.00
May 24, 2015 $0.01
May 9, 2015 $0.00
May 16, 2015 $0.00
May 23, 2015 $0.00
May 30, 2015 $1.15 May 24, 2015 $1.15
Jun 6, 2015 $1.15 May 24, 2015 $1.15
Jun 13, 2015 $1.15 May 24, 2015 $1.15
Jun 20, 2015 $1.15 May 24, 2015 $0.33
Jun 1, 2015 $0.82
Jun 27, 2015 $1.15 Jun 1, 2015 $1.15
Jul 4, 2015 $1.15 Jun 1, 2015 $0.33
Aug 18, 2015 $0.82
Jul 11, 2015 $1.15 Aug 18, 2015 $1.15
Jul 18, 2015 $1.15 Aug 18, 2015 $1.15
Jul 25, 2015 $1.15 Aug 18, 2015 $1.15
Aug 1, 2015 $1.15 Aug 18, 2015 $1.15
Aug 8, 2015 $1.15 Aug 18, 2015 $0.91
Aug 29, 2015 $0.24
Aug 15, 2015 $1.15 Aug 29, 2015 $1.15
Aug 22, 2015 $1.15 Aug 29, 2015 $1.15
Aug 29, 2015 $0.92 Aug 29, 2015 $0.91
Oct 11, 2015 $0.01
Sep 5, 2015 $2.30 Oct 11, 2015 $0.91
Oct 17, 2015 $1.39
Sep 12, 2015 $2.30 Oct 17, 2015 $2.30
Sep 19, 2015 $2.30 Oct 17, 2015 $2.06
Oct 25, 2015 $0.24
Sep 26, 2015 $2.30 Oct 25, 2015 $2.06
Nov 9, 2015 $0.24
Oct 3, 2015 $2.30 Nov 9, 2015 $2.30
Oct 10, 2015 $2.30 Nov 9, 2015 $2.30
Oct 17, 2015 $2.30 Nov 9, 2015 $0.91
Nov 14, 2015 $1.39
Oct 24, 2015 $2.30 Nov 14, 2015 $2.30
Oct 31, 2015 $2.30 Nov 14, 2015 $2.30
Nov 7, 2015 $2.30 Nov 14, 2015 $2.30
Nov 14, 2015 $2.30 Nov 14, 2015 $2.06
Nov 20, 2015 $0.24
Nov 21, 2015 $2.30 Nov 20, 2015 $2.30
Nov 28, 2015 $2.30 Nov 20, 2015 $2.30
Dec 5, 2015 $2.30 Nov 20, 2015 $0.91
Dec 6, 2015 $1.39
Dec 12, 2015 $2.30 Dec 6, 2015 $0.91
Dec 13, 2015 $1.39
Dec 19, 2015 $2.30 Dec 13, 2015 $0.33
Dec 19, 2015 $1.97
Dec 26, 2015 $2.30 Dec 19, 2015 $1.71
Dec 26, 2015 $0.59
Jan 2, 2016 $2.30 Dec 26, 2015 $0.56
Jan 2, 2016 $1.72
Jan 17, 2016 $0.01
Jan 9, 2016 $2.30 Jan 17, 2016 $2.30
Jan 16, 2016 $2.30 Jan 17, 2016 $2.29
Jan 30, 2016 $0.01
Jan 23, 2016 $2.30 Jan 30, 2016 $2.30
Jan 30, 2016 $2.30 Jan 30, 2016 $2.30
Feb 6, 2016 $2.30 Jan 30, 2016 $1.14
Feb 6, 2016 $1.15
Feb 18, 2016 $0.01
Feb 13, 2016 $2.30 Feb 18, 2016 $2.29
Feb 28, 2016 $0.01
Feb 20, 2016 $2.30 Feb 28, 2016 $2.30
Feb 27, 2016 $2.30 Feb 28, 2016 $2.29
Mar 5, 2016 $0.01
Mar 5, 2016 $2.30 Mar 5, 2016 $2.29
Mar 15, 2016 $0.01
Mar 12, 2016 $2.30 Mar 15, 2016 $2.29
Mar 27, 2016 $0.01
Mar 19, 2016 $2.30 Mar 27, 2016 $2.29
May 7, 2016 $0.01
Mar 26, 2016 $2.30 May 7, 2016 $2.29
May 16, 2016 $0.01
Apr 2, 2016 $2.30 May 16, 2016 $2.30
Apr 9, 2016 $2.30 May 16, 2016 $2.30
Apr 16, 2016 $2.30 May 16, 2016 $2.30
Apr 23, 2016 $2.30 May 16, 2016 $2.30
Apr 30, 2016 $2.30 May 16, 2016 $2.30
May 7, 2016 $2.30 May 16, 2016 $1.14
Jun 18, 2016 $1.16
May 14, 2016 $2.30 Jun 18, 2016 $2.30
May 21, 2016 $2.30 Jun 18, 2016 $1.14
Jul 1, 2016 $1.16
May 28, 2016 $2.30 Jul 1, 2016 $1.14
Jul 9, 2016 $1.16
Jun 4, 2016 $2.30 Jul 9, 2016 $1.14
Jul 23, 2016 $1.16
Jun 11, 2016 $2.30 Jul 23, 2016 $1.14
Aug 20, 2016 $1.16
Jun 18, 2016 $2.30 Aug 20, 2016 $2.30
Jun 25, 2016 $2.30 Aug 20, 2016 $2.30
Jul 2, 2016 $2.30 Aug 20, 2016 $2.30
Jul 9, 2016 $2.30 Aug 20, 2016 $2.30
Jul 16, 2016 $2.30 Aug 20, 2016 $2.30
Jul 23, 2016 $2.30 Aug 20, 2016 $2.30
Jul 30, 2016 $2.30 Aug 20, 2016 $2.30
Aug 6, 2016 $2.30 Aug 20, 2016 $2.30
Aug 13, 2016 $2.30 Aug 20, 2016 $2.30
Aug 20, 2016 $2.30 Aug 20, 2016 $1.14
Sep 10, 2016 $1.16
Aug 27, 2016 $2.30 Sep 10, 2016 $2.30
Sep 3, 2016 $2.30 Sep 10, 2016 $2.30
Sep 10, 2016 $2.30 Sep 10, 2016 $2.30
Sep 17, 2016 $2.30 Sep 10, 2016 $2.30
Sep 24, 2016 $2.30 Sep 10, 2016 $1.14
Oct 22, 2016 $1.16
Oct 1, 2016 $2.30 Oct 22, 2016 $1.14
Nov 13, 2016 $1.16
Oct 8, 2016 $2.30 Nov 13, 2016 $1.14
Nov 16, 2016 $1.15
Nov 19, 2016 $0.01
Oct 15, 2016 $2.30 Nov 19, 2016 $2.29
Nov 28, 2016 $0.01
Oct 22, 2016 $2.30 Nov 28, 2016 $2.29
Dec 3, 2016 $0.01
Oct 29, 2016 $2.30 Dec 3, 2016 $2.30
Nov 5, 2016 $2.30 Dec 3, 2016 $2.30
Nov 12, 2016 $2.30 Dec 3, 2016 $1.14
Jan 1, 2017 $1.16
Nov 19, 2016 $2.30 Jan 1, 2017 $1.14
Jan 21, 2017 $1.16
Nov 26, 2016 $2.30 Jan 21, 2017 $1.14
Feb 4, 2017 $1.16
Dec 3, 2016 $2.30 Feb 4, 2017 $1.14
Feb 27, 2017 $1.16
Dec 10, 2016 $2.30 Feb 27, 2017 $2.30
Dec 17, 2016 $2.30 Feb 27, 2017 $1.14
Mar 12, 2017 $1.16
Dec 24, 2016 $2.30 Mar 12, 2017 $1.14
Mar 18, 2017 $1.16
Dec 31, 2016 $2.30 Mar 18, 2017 $1.14
Nov 1, 2018 $1.16
Jan 7, 2017 $2.30 Nov 1, 2018 $2.30
Jan 14, 2017 $1.15 Nov 1, 2018 $1.14
Nov 13, 2018 $0.01
Jan 21, 2017 $0.00
Jan 28, 2017 $0.00
Feb 4, 2017 $0.00
Feb 11, 2017 $0.00
Feb 18, 2017 $0.00
Feb 25, 2017 $0.00
Mar 4, 2017 $0.00
Mar 11, 2017 $0.00
Mar 18, 2017 $0.00
Mar 25, 2017 $0.00
Apr 1, 2017 $0.00
Apr 8, 2017 $0.00
Apr 15, 2017 $0.00
Apr 22, 2017 $0.00
Apr 29, 2017 $0.00
May 6, 2017 $0.00
May 13, 2017 $0.00
May 20, 2017 $0.00
May 27, 2017 $0.00
Jun 3, 2017 $0.00
Jun 10, 2017 $0.00
Jun 17, 2017 $0.00
Jun 24, 2017 $0.00
Jul 1, 2017 $0.00
Jul 8, 2017 $0.00
Jul 15, 2017 $0.00
Jul 22, 2017 $0.00
Jul 29, 2017 $0.00
Aug 5, 2017 $0.00
Aug 12, 2017 $0.00
Aug 19, 2017 $0.00
Aug 26, 2017 $0.00
Sep 2, 2017 $0.00
Sep 9, 2017 $0.00
Sep 16, 2017 $0.00
Sep 23, 2017 $0.00
Sep 30, 2017 $0.00
Oct 7, 2017 $0.00
Oct 14, 2017 $0.00
Oct 21, 2017 $0.00
Oct 28, 2017 $0.00
Nov 4, 2017 $0.00
Nov 11, 2017 $0.00
Nov 18, 2017 $0.00
Nov 25, 2017 $0.00
Dec 2, 2017 $0.00
Dec 9, 2017 $0.00
Dec 16, 2017 $0.00
Dec 23, 2017 $0.00
Dec 30, 2017 $0.00
Jan 6, 2018 $0.00
Jan 13, 2018 $0.00
Jan 20, 2018 $0.00
Jan 27, 2018 $0.00
Feb 3, 2018 $0.00
Feb 10, 2018 $0.00
Feb 17, 2018 $0.00
Feb 24, 2018 $0.00
Mar 3, 2018 $0.00
Mar 10, 2018 $0.00
Mar 17, 2018 $0.00
Mar 24, 2018 $0.00
Mar 31, 2018 $0.00
Apr 7, 2018 $0.00
Apr 14, 2018 $0.00
Apr 21, 2018 $0.00
Apr 28, 2018 $0.00
May 5, 2018 $0.00
May 12, 2018 $0.00
May 19, 2018 $0.00
May 26, 2018 $0.00
Jun 2, 2018 $0.00
Jun 9, 2018 $0.00
Jun 16, 2018 $0.00
Jun 23, 2018 $0.00
Jun 30, 2018 $0.00
Jul 7, 2018 $0.00
Jul 14, 2018 $0.00
Jul 21, 2018 $0.00
Jul 28, 2018 $0.00
Aug 4, 2018 $0.00
Aug 11, 2018 $0.00
Aug 18, 2018 $0.00
Aug 25, 2018 $0.00
Sep 1, 2018 $0.00
Sep 8, 2018 $0.00
Sep 15, 2018 $0.00
Sep 22, 2018 $0.00
Sep 29, 2018 $0.00
Oct 6, 2018 $0.00
Oct 13, 2018 $0.00
Oct 20, 2018 $0.00
Oct 27, 2018 $0.00
Nov 3, 2018 $0.00
Nov 10, 2018 $0.00
Nov 17, 2018 $58.62 Nov 13, 2018 $58.61
Nov 24, 2018 $0.01
Nov 24, 2018 $58.62 Nov 24, 2018 $58.61
Dec 1, 2018 $0.01
Dec 1, 2018 $58.62 Dec 1, 2018 $58.61
Dec 9, 2018 $0.01
Dec 8, 2018 $44.83 Dec 9, 2018 $44.82
Dec 15, 2018 $0.01
Dec 15, 2018 $2.30 Dec 15, 2018 $2.29
Dec 22, 2018 $2.30
Dec 29, 2018 $2.30
Jan 5, 2019 $2.30
Jan 12, 2019 $2.30
Jan 19, 2019 $58.62
Jan 26, 2019 $58.62
Feb 2, 2019 $58.62
Feb 9, 2019 $58.62
Feb 16, 2019 $4.51

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