Purchase of a hp core i5 laptop

Joyce

Njoro, Kenya

39% repaid

Entrepreneur

Name

Joyce

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

$534.00

Date disbursed

Sep 23, 2017

Repayment status

Late

Projected term

26 months

Lenders

M

marvin24

Giessen, Germany

cyrus0302

San Francisco, United States

AltruisticSelfishnes

Chicago, United States

O

Oxfall

Gothenburg, Sweden

Straetman

Kaarst, Germany

AndreaBravi

London, UK, Canada

Pere

Barcelona, Spain

johnandmoliehi

Canton, New York, United States

J

JakeA

Wellington, New Zealand

J

Jessica

Patagonia, Argentina

J

josh50

United States

G

glomardor

Leonardtown, United States

Cloudways

Malta, Malta

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

United States

C

ColoradoEmac

United States

L

lenders

United States

DavidHS

United Kingdom

S

sarah4d2

Saint Louis, United States

SimonD

Lincoln, Uk, United Kingdom

E

expatri

United States

johnhudson

Washington, DC, United States

J

jsbisa

New Orleans, Louisiana, United States

B

bscent

Hong Kong

Grant Xavier Storer

Seattle, Wa, United States

K

Keith

Luxembourg

E

enigmatic

United Kingdom

Per Dahl

Norrköping, Sweden

T

twm3823

United States

SuperMario28

Cudahy, United States

F

Falk

Germany

E

Erich

Zurich, Switzerland

M

Marcus86257

United States

Dave Bogard

New York, United States

SC

Sarnia Cherie Ralsto

south coast nsw australia, Australia

jtreyes

United States

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

United States

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

Ask Joyce 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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  • Joyce    Jan 13, 2018

    My reason for change in the installment is that I cannot afford to do for now because am assisting my sister in paying schools for her daughter who is joining secondary school in form one. Immediately I stabilize i promise to get back to my payment installments. Thanks Zidisha.

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  • Joyce    Nov 11, 2017

    I bought a HP laptop. Am now able to reduce my workload. Thank you Zidisha Team.

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  • Joyce    Sep 22, 2017

    I will buy HP Core i5 laptop. I can do my extra work anywhere I want. I can use the laptop without electricity at home. I wish to be carrying the laptop at home to do extra online assignment and this will reduce the workload so that am able to fulfill my customers expectations and timely delivery of their needs. Thank you so much to all my Lenders. I promise not to fail you in my repayments schedule. May God bless you.

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  • Joyce    Sep 15, 2017

    With my heavy duty "Atlas" Book Binding Machine am able to bind faster and more books at a shorter period because the binder is able to hold large number of papers at once unlike the small binding machine. As a result more and more customer are being referred to me hence my daily earnings increase day by day. The binder is still in good condition and well taken care of. Thank you lenders.

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  • Joyce    Jul 5, 2017

    I plan to change the payment installments because i have been paying school fees for my nephew who is in a boarding school. Trying to balance the payments and the day to day basic needs have been difficult due to economic hard times. When things get well i will definitely revert to my usual installments. Thanks you.

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  • Joyce    Jun 20, 2016

    Thanks to all my seventy three(73 No.) Lenders. I am grateful to you all. I promise to be punctual and faithful in paying the loan. God bless you all.

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  • Joyce    Jun 14, 2016

    Thank you Wissam. I promise not to fail you

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  • Joyce    Jun 9, 2016

    My 1½ yrs Epson Stylus Photo R290 series colour printer has helped me and the customers in printing out good quality proposals, letters, reviews and other important documents like photos, wedding cards, funeral programs etc. It produces sharper images. It is fast and outputs clean. The cost of maintaining it is cheaper on ink usage compared to the small printer which was using ink cartridges that were not refilled. With 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 still in college third year (Grade III) doing Electrical and Electronics. Also as the business flourishes am able to save more for investment such as buying shares. Moreover am able to visit my parent (mother) often who lives upcountry. Thanks again to you all Zidisha lenders.

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  • Joyce    May 17, 2016

    Wow! I am almost finishing paying my second loan. Quite a good effort. Am many steps ahead.

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  • Joyce    Apr 5, 2016

    Dear all Lenders, God has been faithful so far. My family and business are doing alright. I can now be able to purchase my stock conveniently due to increase in sales. Thanks to Zidisha Team for the support.

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  • Joyce    Oct 8, 2015

    To all my lenders. Thanks for the support so far. I am fairing well with my work. God is continuing showering blessings upon our life day by day.

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  • Joyce    Mar 18, 2015

    My business is doing fine. My Epson Printer is still working on well without any problems. Thanks again to Zidisha

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  • Henry    Feb 23, 2015

    congratulation joyce wangari in your business.

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  • Joyce    Jan 17, 2015

    Hello to all my lenders. Thanks for the support so far. I was able to purchase an Epson Printer with the cash rendered. I am now able to print quality print outs and my customers are more happy. I promise to be faithful in the repayment of the loan as was with the first loan. God bless you all

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  • Joyce    May 16, 2014

    The business is doing fine. With more customers am able to have a increase in the income.

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  • Joyce    Mar 20, 2014

    Thanks so much to all my lenders. God bless you abundantly. I was able to buy the two computers i desired. I topped up the given loan with my savings. Now my customers are able to browse more efficiently and without interruptions.

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