Purchase of a hp core i5 laptop

Joyce Wangari

Njoro, Kenya

39% repaid

Entrepreneur

Name

Joyce Wangari

Member since

August 2013

On-time repayments

289 installments  •  59%

About Me

My name is Joyce W. Kamau, third born in a family of eight. I am a Kenyan, born and raised in Njoro in Nakuru County formerly in the Rift Valley Province. I am 36yrs old. I live within Njoro town. I run a Computer Bureau opposite Njoro Police Station that involves photocopying, typing, printing, binding, scanning, lamination and stationery selling. I am a teacher by profession and also have trained on computer applications. I started the computer bureau because of various primary and secondary schools within the area hence the need for computer services. Also the district and division headquarters of Njoro are situated near the area about 200m away, creating an opportunity to serve more customers within the area due to high demand of the same services. The business is located in a strategic position because it is near the main road which is easily accessible and the place is highly populated. From the earnings of the business I am able buy printing papers, lamination porches, other stationeries like envelopes and pens, paying for repair and maintenance cost of the copier machine and computers, pay salary to my two dear assisting staff and any other expenditure that may arise. I am a committed lady, time conscious and passionate in whatever I do. Also considers myself to be a risk taker and a fast learner who loves challenges in life.

My Business

My business name is Blessed Hands Computer Services situated within Njoro town. I offer majorly typing, printing and photocopying services to my customers. Also other services offered includes; lamination, binding, scanning and selling of office stationeries. There is demand for these services because the business is surrounded by both private and public primary and secondary schools. Also there is a polytechnic within the area. There is also a public university in the same region. All these institutions require my business services like exams and manual photocopying, printing and binding of assignments and projects. My customers prefer my business over the others in the region because of good customer services offered by me and my two employees, fast and efficient services, good communication skills and reasonable charges to services offered. The business is profitable because it caters for all my needs at all the times. My business risk is breakdown of the machines where sometimes the technicians take a longer time to avail themselves in repairing them. Also the cost of buying stationeries varies with hard economic times. Security is taken care because we are directly opposite the police station. Also the work premises are taken care of by a night watchman. From the earnings of my business am able to pay my rent, cater for my basic needs and assist in paying my nephew’s school fees who is in college. I would like to expand my business by adding two computers that will help my customers to browse efficiently without any interruptions. If given the loan I will repay it using the earnings from my business.

Loan Proposal

Blessed Hands Computer Services wishes to convey its sincere gratitude to all its amazing Lenders who have enabled the growth of the business in various ways through lending me the first to third loan that assisted me in buying Two Computers, an Epson Printer and a Book Binding Machine respectively. To that I say “Long Live Zidisha Team”. My business is continuing to flourish and hope for more and more increment as we grow together as a community. May God bless you richly.
My next task is to acquire a HP Core i5 laptop which costs $563. Am requesting for a fourth loan of $495 to enable me buy the laptop. The remaining $68 will come from my business savings. Due to moving around to digital era, most services are being online like renewal of driving licenses, vehicles searches and transfer of ownership (logbooks), access to good conduct certificates, application of passports, registration of businesses etc. All these government services are now done online hence the need for an extra machine. I settled for a laptop instead of a desktop because through the laptop, I can do my extra work anywhere I want. I can use the laptop without electricity at home. For the reason that these services mentioned above are online, during the day the internet connection is mostly congested and hence delays in delivery of the expected results. I wish to be carrying the laptop at home to do these extra online assignment and this will reduce the workload so that am able to fulfill my customers expectations and timely delivery of their needs.
I promise to faithfully pay my loan installments on time and on regular basis as on previous loans. Thank you for your continued support and may the Almighty God continue to bless you as you help the community to expand. Thank you once again.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$534.47

Date disbursed

Sep 23, 2017

Repayment status

Late

Projected term

26 months

Cost to entrepreneur

Service fee: $22.40

Credit risk payment: $22.40

Lenders

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marvin24

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cyrus0302

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AltruisticSelfishnes

Chicago, United States

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Oxfall

Gothenburg, Sweden

Straetman

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AndreaBravi

London, UK, Canada

Pere

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J

JakeA

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J

Jessica

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josh50

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G

glomardor

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Cloudways

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P

PhilACK

Brampton, Canada

G

Goodwill

Oakland, United States

L

leniwiec

Poznan, Poland

ads68

Melbourne, Australia

Y

Yevrahs

Dallas, Texas, United States

A

Andy

Berlin, United States

G

glh25

Winooski, United States

fairspirit

Utrecht, Netherlands

BF

Bob Fitzjohn

Fontvielle, Monaco, Yemen

A

asmoris

Toronto, Canada

A

AndrewC

London, United Kingdom

gseletko

South Perth, Australia

JonB

London, United Kingdom

O

osterqvist

Linköping, Sweden

C

cranejoad

cazenovia, United States

G

Gdrvasc

Frederick, United States

O

ormung13

Christchurch, New Zealand

C

Clben7

Cincinnati, United States

Evan Lamos

Brussels, Belgium

sderickson

Berkeley, CA, United States

John Makongo

Kitale, Kenya

M

microlender

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C

ColoradoEmac

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L

lenders

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DavidHS

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S

sarah4d2

Saint Louis, United States

SimonD

Lincoln, Uk, United Kingdom

E

expatri

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johnhudson

Washington, DC, United States

J

jsbisa

New Orleans, Louisiana, United States

B

bscent

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Grant Xavier Storer

Seattle, Wa, United States

K

Keith

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E

enigmatic

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Per Dahl

Norrköping, Sweden

T

twm3823

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SuperMario28

Cudahy, United States

F

Falk

Germany

E

Erich

Zurich, Switzerland

M

Marcus86257

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Dave Bogard

New York, United States

SC

Sarnia Cherie Ralsto

south coast nsw australia, Australia

jtreyes

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DF

Daniel Fehr-Krahn

Winnipeg, Canada

E

erica

antwerpen, Belgium

M

Marc

Newcastle upon Tyne, United Kingdom

YM

Yelka Mikolji

United States

MR

Michiel Rauws

San Francisco, Netherlands

Pedro R-C

Cambridge, United States

PG

Paul Graham

United States

Rose Rodent

Scotland, United Kingdom

N

Nick

United States

Aran Dunlop

United States

Joe Lamantia

Reston, Virginia, United States

Heidy

N J, United States

JO

Johan O

Borlänge, Sweden

Thomas

Sweden, Sweden

Gabriel Fenili

Santo André, Brazil

V

Vidar

Oslo, Norway

P

Phips

Switzerland

H

Huub

Switzerland

I

isaac

United Kingdom

JC

juli camrud

United States

RC

Rudi Chen

United States

KK

karl kerksiek

United States

MB

Mark Blatter

United States

FA

Felipe Ardila

United States

SV

Salim Virji

United States

E

Elynne

United States

JB

John Brown

United States

A

Amy

United States

B

Brett

Australia

Bill Ballew

Kansas City, Missouri, United States

GA

Giovanni and Yelena

New York, Ny, United States

JA

Jan Andresen

Hamburg, Germany

Sinan Taifour

Munich, Germany, Germany

Ryan Keller

Hong Kong, Hong Kong

J

jeananne

United States

J

Jon

United States

L

Lucy

Australia

Craig Travis Provyn

Bradenton, Florida, United States

Benjamin Kniaz

Boston, United States

Humble Bundle Community

San Francisco, United States

Marius Lohri

Switzerland

JS

Jason Strauss

United States

Cora and Andi

Frankfurt, Germany

JA

Joshua Axtell

United States

J

Jan

Netherlands

RG

Ryan Gough

United States

K

Kyle

Durban, United Kingdom

D

Dalton

San Francisco, United States

HCPSPIRIT

Helsinki, Finland

Dean Suminski

Portland, Oregon, United States

GS

Gary Sinard

Franklin, TN, United States

A

Ania

Switzerland

GC

Gabriel Collins

United Kingdom

Philipp Lehmann

Zurich, Switzerland

R

RMIM

United States

Paul Buchheit

Mountain View, United States

A

Anonymous

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Nethanel Kohen

NYC, United States

MW

Matt Winkler

United States, Canada

H

Haley

United States

JN

Julie Noel

United States

MB

MW Brown

United Kingdom

MN

Mau NA

United Arab Emirates

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