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
Positive
1
Neutral
None
Negative
None
Loan Info
Project Type
Classic Loan
Disbursed amount
$534.00
Date disbursed
Sep 23, 2017
Repayment status
Late
Projected term
26 months
Other loans
Lenders
Fontvielle, Monaco, Yemen
Linköping, Sweden
Ireland
United States
Winnipeg, Canada
United States
United States
Brazil
Switzerland
United States
Bologna, Italy
United States
Germany
Germany
Sweden
United States
Germany
United States
United States
United States
Hong Kong
Germany
United States
Franklin, TN, United States
Nigeria
United Kingdom
United States
Australia
Jake Gibson and Beverly Picardo
San Francisco, United States
Ireland
United States, Canada
United States
Ask Joyce a question about this project, share news and photos of your own, or send a simple note of thanks or inspiration.
Summary
Amount repaid
$206.06
Amount remaining
$328.40
Expected completion
Dec 1, 2019
Status
Repaying late
Installment amount
$3.96
Repayment History
| Expected Payments | Actual Payments | ||
|---|---|---|---|
| Oct 1, 2017 | $9.91 | Sep 28, 2017 | $9.91 |
| Oct 8, 2017 | $9.91 | Sep 28, 2017 | $9.91 |
| Oct 15, 2017 | $9.91 | Sep 28, 2017 | $9.91 |
| Oct 22, 2017 | $9.91 | Sep 28, 2017 | $9.91 |
| Oct 29, 2017 | $9.91 | Sep 28, 2017 | $1.98 |
| Oct 10, 2017 | $7.93 | ||
| Nov 5, 2017 | $9.91 | Oct 10, 2017 | $9.91 |
| Nov 12, 2017 | $9.91 | Oct 10, 2017 | $1.98 |
| Nov 12, 2017 | $7.93 | ||
| Nov 19, 2017 | $9.91 | Nov 12, 2017 | $1.49 |
| Dec 5, 2017 | $8.42 | ||
| Nov 26, 2017 | $9.91 | Dec 5, 2017 | $9.91 |
| Dec 3, 2017 | $9.91 | Dec 5, 2017 | $1.49 |
| Dec 14, 2017 | $8.42 | ||
| Dec 10, 2017 | $9.91 | Dec 14, 2017 | $9.91 |
| Dec 17, 2017 | $9.91 | Dec 14, 2017 | $1.49 |
| Dec 29, 2017 | $8.42 | ||
| Dec 24, 2017 | $9.91 | Dec 29, 2017 | $9.91 |
| Dec 31, 2017 | $9.91 | Dec 29, 2017 | $6.44 |
| Jan 9, 2018 | $3.47 | ||
| Jan 7, 2018 | $6.44 | Jan 9, 2018 | $6.44 |
| Jan 14, 2018 | $3.96 | Jan 13, 2018 | $3.96 |
| Jan 21, 2018 | $3.96 | Feb 4, 2018 | $3.96 |
| Jan 28, 2018 | $3.96 | Feb 4, 2018 | $3.96 |
| Feb 4, 2018 | $3.96 | Feb 25, 2018 | $3.96 |
| Feb 11, 2018 | $3.96 | Feb 25, 2018 | $0.50 |
| Mar 25, 2018 | $3.47 | ||
| Feb 18, 2018 | $3.96 | Mar 25, 2018 | $0.99 |
| Jun 3, 2018 | $2.97 | ||
| Feb 25, 2018 | $3.96 | Jun 3, 2018 | $2.97 |
| Jun 24, 2018 | $0.99 | ||
| Mar 4, 2018 | $3.96 | Jun 24, 2018 | $3.96 |
| Mar 11, 2018 | $3.96 | Jun 24, 2018 | $2.97 |
| Jun 30, 2018 | $0.99 | ||
| Mar 18, 2018 | $3.96 | Jun 30, 2018 | $3.96 |
| Mar 25, 2018 | $3.96 | Jun 30, 2018 | $3.96 |
| Apr 1, 2018 | $3.96 | Jun 30, 2018 | $0.50 |
| Jul 6, 2018 | $3.47 | ||
| Apr 8, 2018 | $3.96 | Jul 6, 2018 | $1.49 |
| Aug 18, 2018 | $2.48 | ||
| Apr 15, 2018 | $3.96 | Aug 18, 2018 | $3.96 |
| Apr 22, 2018 | $3.96 | Aug 18, 2018 | $3.96 |
| Apr 29, 2018 | $3.96 | Aug 18, 2018 | $1.49 |
| May 6, 2018 | $3.96 | ||
| May 13, 2018 | $3.96 | ||
| May 20, 2018 | $3.96 | ||
| May 27, 2018 | $3.96 | ||
| Jun 3, 2018 | $3.96 | ||
| Jun 10, 2018 | $3.96 | ||
| Jun 17, 2018 | $3.96 | ||
| Jun 24, 2018 | $3.96 | ||
| Jul 1, 2018 | $3.96 | ||
| Jul 8, 2018 | $3.96 | ||
| Jul 15, 2018 | $3.96 | ||
| Jul 22, 2018 | $3.96 | ||
| Jul 29, 2018 | $3.96 | ||
| Aug 5, 2018 | $3.96 | ||
| Aug 12, 2018 | $3.96 | ||
| Aug 19, 2018 | $3.96 | ||
| Aug 26, 2018 | $3.96 | ||
| Sep 2, 2018 | $3.96 | ||
| Sep 9, 2018 | $3.96 | ||
| Sep 16, 2018 | $3.96 | ||
| Sep 23, 2018 | $3.96 | ||
| Sep 30, 2018 | $3.96 | ||
| Oct 7, 2018 | $3.96 | ||
| Oct 14, 2018 | $3.96 | ||
| Oct 21, 2018 | $3.96 | ||
| Oct 28, 2018 | $3.96 | ||
| Nov 4, 2018 | $3.96 | ||
| Nov 11, 2018 | $3.96 | ||
| Nov 18, 2018 | $3.96 | ||
| Nov 25, 2018 | $3.96 | ||
| Dec 2, 2018 | $3.96 | ||
| Dec 9, 2018 | $3.96 | ||
| Dec 16, 2018 | $3.96 | ||
| Dec 23, 2018 | $3.96 | ||
| Dec 30, 2018 | $3.96 | ||
| Jan 6, 2019 | $3.96 | ||
| Jan 13, 2019 | $3.96 | ||
| Jan 20, 2019 | $3.96 | ||
| Jan 27, 2019 | $3.96 | ||
| Feb 3, 2019 | $3.96 | ||
| Feb 10, 2019 | $3.96 | ||
| Feb 17, 2019 | $3.96 | ||
| Feb 24, 2019 | $3.96 | ||
| Mar 3, 2019 | $3.96 | ||
| Mar 10, 2019 | $3.96 | ||
| Mar 17, 2019 | $3.96 | ||
| Mar 24, 2019 | $3.96 | ||
| Mar 31, 2019 | $3.96 | ||
| Apr 7, 2019 | $3.96 | ||
| Apr 14, 2019 | $3.96 | ||
| Apr 21, 2019 | $3.96 | ||
| Apr 28, 2019 | $3.96 | ||
| May 5, 2019 | $3.96 | ||
| May 12, 2019 | $3.96 | ||
| May 19, 2019 | $3.96 | ||
| May 26, 2019 | $3.96 | ||
| Jun 2, 2019 | $3.96 | ||
| Jun 9, 2019 | $3.96 | ||
| Jun 16, 2019 | $3.96 | ||
| Jun 23, 2019 | $3.96 | ||
| Jun 30, 2019 | $3.96 | ||
| Jul 7, 2019 | $3.96 | ||
| Jul 14, 2019 | $3.96 | ||
| Jul 21, 2019 | $3.96 | ||
| Jul 28, 2019 | $3.96 | ||
| Aug 4, 2019 | $3.96 | ||
| Aug 11, 2019 | $3.96 | ||
| Aug 18, 2019 | $3.96 | ||
| Aug 25, 2019 | $3.96 | ||
| Sep 1, 2019 | $3.96 | ||
| Sep 8, 2019 | $3.96 | ||
| Sep 15, 2019 | $3.96 | ||
| Sep 22, 2019 | $3.96 | ||
| Sep 29, 2019 | $3.96 | ||
| Oct 6, 2019 | $3.96 | ||
| Oct 13, 2019 | $3.96 | ||
| Oct 20, 2019 | $3.96 | ||
| Oct 27, 2019 | $3.96 | ||
| Nov 3, 2019 | $3.96 | ||
| Nov 10, 2019 | $3.96 | ||
| Nov 17, 2019 | $3.96 | ||
| Nov 24, 2019 | $3.96 | ||
| Dec 1, 2019 | $0.98 | ||
Loading...