Entrepreneur
Name
Anthony
Member since
December 2015
On-time repayments
255 installments • 85%
About Me
I grew up in a humble background in a family of five. I went to school at my nearest village primary school, where I did exceptionally well and joined a provincial level high school (Meru school), which currently has been converted to a national school. After my high school education, I began CPA (certified public accountant) classes before joining Kenyatta University to pursue a bachelor's degree in economics and finance. I am now awaiting graduation in the field of economics and finance from Kenyatta University.
Entrepreneurship as always been my driver to overcome hardships throughout my college life. I could buy clothes in large quantities and sell them to students, making a significant profit to facilitate my upkeep at the university. I started my daily farming business during my last long vacation at the university. My motivation was the financial hardships. My finance source was working in a milk production company for those few months.
In my culture people are less innovative because of plenty of food. Due to increased food insecurity in the entire country, alternative sources of income will soon become a necessity in the region, and with this forecast I decided to practice my entrepreneurial skills and start my own business. Currently I have no children, but I believe that I will grow to have a promising future come that time.
My hobby is research: I always spend my leisure time raising problem statements and business ideas to ascertain my next most viable venture to undertake besides dairy farming.
My Business
My business is dairy farming: I have two dairy cows. From my business I am able to sell milk, a commodity which has a very high demand in the market because many households have migrated to the town ("rural urban migration") and milk consumption by these households have increased, calling for more milk production by dairy farmers to sustain this overwhelming demand for milk. I choose this kind of business because I noticed there was a high shortage of milk in the market.
During my industrial university attachment, I worked in a milk processing industry in the field of internal audit. I discovered that every morning the CEO urges the employees to help the industry acquire higher milk intake from farmers due to idle machinery that could not get enough milk to process 24 hours a day. I decided therefore I could start daily production and advance it in the future to large-scale farming in order to enjoy the advantages of economies of scale and also supply raw milk to the industry.
My typical costs are costs of artificial insemination, concentrates, fodder, labour, and veterinary services of treatment. My greatest source of revenue is milk selling. I also sell accumulated manure that remains after I have used some on my fodder. I use the profits to increase my business by reinvesting it back in business and registering for my Certified Public Accountant examinations.
Loan Proposal
I will use the loan to upgrade the breeds of my dairy cows by purchase of a pedigree incalf heifer. With this addition i expect my production to increase by 35 litres a day leading to more revenue and profit.
About Me
I grew up in a humble background family of five i went to school in my nearest village primary school where i did exceptionally well and joined a provincial level high school.
(Meru school) which currently as been converted to a national school. After my high school education i began CPA (certified public accountant) classes before joining Kenyatta University to pursue bachelor of economics and finance. Am now a first class honours graduate in the field of economics and finance from Kenyatta University and i have also completed my CPA (Certified Public Accountant) examination . Entrepreneurship as always been by driver to overcome hardships throughout my college life. I could buy clothes in large quantities and sell to students making a significant profit to facilitate my upkeep in the university. I started my daily farming business during my last long vacation in the university my motivation was the financial hardships. My finance source was working in a milk production company for those few months. In my culture people are less innovative because of plenty of food. Due to increased food insecurity in the entire country alternative source of income will soon become a necessity.in the region and with this forecast i decided to practice by entrepreneurial skills and start my own business. Currently i have no children but i believe that will grow to have a promising future come that time. My hobby is research i always spend my leisure time raising problem statement and business ideas to ascertain my next most viable venture to undertake besides dairy farming.
My Business
My business is dairy farming i have seven dairy cows. from my business i am able to sell milk a commodity which as a very high demand in the market because many households have migrated to the town "rural urban migration" and milk consumption by these households have increased calling for more milk production by dairy farmers to sustain this overwhelming demand for milk. I choose this kind of business because I noticed there was a high shortage of milk in the market. During my industrial university attachment I worked in a milk processing industry in the field of internal audit. I discovered that every morning the CEO urges the employees to help the industry acquire higher milk intake from farmers due to idle machinery that could not get enough milk to process 24hrs a day. I decided therefore I could start daily production and advance it in future to large-scale farming in order to enjoy the advantages of economies of scale and also supply raw milk to the industry. My typical costs are costs of artificial insemination. Concentrates, fodder, Lab our, and veterinary services of treatment. Greatest source of revenue is milk selling. I also sell accumulated manure that remains after I have used some on my fodder. i use the profits from business to increase my business by reinvesting it back in business.
Loan Proposal
I will use the loan to upgrade the breeds of my dairy cows by purchase of a pedigree incalf heifer. With this addition i expect my production to increase by 35 litres a day leading to more revenue and profit.
Feedback
Positive
3
Neutral
None
Negative
None
Loan Info
Project Type
Classic Loan
Disbursed amount
$1,300.00
Date disbursed
Sep 9, 2019
Repayment status
Late
Projected term
21 months
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Summary
Amount repaid
$251.33
Amount remaining
$1,049.40
Expected completion
Jul 4, 2021
Status
Repaying late
Installment amount
$11.12
Repayment History
| Expected Payments | Actual Payments | ||
|---|---|---|---|
| Sep 22, 2019 | $9.85 | Oct 1, 2019 | $9.85 |
| Sep 29, 2019 | $0.00 | ||
| Oct 6, 2019 | $9.85 | Oct 8, 2019 | $9.85 |
| Oct 13, 2019 | $9.85 | Oct 14, 2019 | $9.85 |
| Oct 20, 2019 | $9.85 | Oct 24, 2019 | $9.85 |
| Oct 27, 2019 | $9.85 | Oct 30, 2019 | $9.85 |
| Nov 3, 2019 | $9.85 | Nov 5, 2019 | $9.85 |
| Nov 10, 2019 | $9.85 | Nov 12, 2019 | $9.85 |
| Nov 17, 2019 | $9.85 | Nov 20, 2019 | $9.85 |
| Nov 24, 2019 | $2.96 | Nov 24, 2019 | $2.96 |
| Dec 1, 2019 | $2.96 | Dec 3, 2019 | $2.96 |
| Dec 8, 2019 | $2.96 | Dec 3, 2019 | $1.97 |
| Dec 10, 2019 | $0.99 | ||
| Dec 15, 2019 | $2.96 | Dec 10, 2019 | $1.97 |
| Dec 17, 2019 | $0.99 | ||
| Dec 22, 2019 | $2.96 | Dec 17, 2019 | $2.96 |
| Dec 29, 2019 | $2.96 | Dec 31, 2019 | $2.96 |
| Jan 5, 2020 | $2.96 | Jan 7, 2020 | $2.96 |
| Jan 12, 2020 | $2.96 | Jan 7, 2020 | $2.96 |
| Jan 19, 2020 | $2.96 | Jan 21, 2020 | $2.96 |
| Jan 26, 2020 | $2.96 | Jan 21, 2020 | $2.96 |
| Feb 2, 2020 | $1.97 | Feb 3, 2020 | $1.97 |
| Feb 9, 2020 | $1.97 | Feb 3, 2020 | $1.97 |
| Feb 16, 2020 | $1.97 | Feb 3, 2020 | $1.97 |
| Feb 23, 2020 | $1.97 | Feb 24, 2020 | $1.97 |
| Mar 1, 2020 | $1.97 | Feb 24, 2020 | $1.97 |
| Mar 8, 2020 | $0.00 | ||
| Mar 15, 2020 | $1.97 | Mar 10, 2020 | $1.97 |
| Mar 22, 2020 | $1.97 | Mar 10, 2020 | $1.97 |
| Mar 29, 2020 | $1.97 | Mar 10, 2020 | $1.97 |
| Apr 5, 2020 | $1.97 | Mar 10, 2020 | $1.97 |
| Apr 12, 2020 | $1.97 | Mar 10, 2020 | $1.97 |
| Apr 19, 2020 | $98.54 | Apr 29, 2020 | $98.54 |
| Apr 26, 2020 | $0.00 | ||
| May 3, 2020 | $0.50 | May 5, 2020 | $0.50 |
| May 10, 2020 | $0.50 | May 13, 2020 | $0.50 |
| May 17, 2020 | $0.50 | May 19, 2020 | $0.50 |
| May 24, 2020 | $0.50 | May 29, 2020 | $0.50 |
| May 31, 2020 | $0.50 | May 29, 2020 | $0.02 |
| Jun 3, 2020 | $0.48 | ||
| Jun 7, 2020 | $0.00 | ||
| Jun 14, 2020 | $0.00 | ||
| Jun 21, 2020 | $0.50 | Jun 21, 2020 | $0.50 |
| Jun 28, 2020 | $0.50 | Jun 30, 2020 | $0.50 |
| Jul 5, 2020 | $0.50 | Jul 8, 2020 | $0.50 |
| Jul 12, 2020 | $0.50 | Jul 16, 2020 | $0.50 |
| Jul 19, 2020 | $0.50 | Jul 21, 2020 | $0.50 |
| Jul 26, 2020 | $0.50 | Jul 29, 2020 | $0.50 |
| Aug 2, 2020 | $0.50 | Aug 18, 2020 | $0.50 |
| Aug 9, 2020 | $0.50 | Aug 18, 2020 | $0.50 |
| Aug 16, 2020 | $0.50 | Aug 18, 2020 | $0.50 |
| Aug 23, 2020 | $0.00 | ||
| Aug 30, 2020 | $0.50 | Sep 2, 2020 | $0.50 |
| Sep 6, 2020 | $0.50 | Sep 23, 2020 | $0.50 |
| Sep 13, 2020 | $0.50 | Sep 23, 2020 | $0.50 |
| Sep 20, 2020 | $0.50 | Sep 23, 2020 | $0.50 |
| Sep 27, 2020 | $0.00 | ||
| Oct 4, 2020 | $0.00 | ||
| Oct 11, 2020 | $0.00 | ||
| Oct 18, 2020 | $0.00 | ||
| Oct 25, 2020 | $0.50 | Nov 25, 2020 | $0.50 |
| Nov 1, 2020 | $0.50 | Nov 25, 2020 | $0.50 |
| Nov 8, 2020 | $0.50 | Nov 25, 2020 | $0.50 |
| Nov 15, 2020 | $0.50 | Nov 25, 2020 | $0.50 |
| Nov 22, 2020 | $0.50 | Nov 25, 2020 | $0.50 |
| Nov 29, 2020 | $0.00 | ||
| Dec 6, 2020 | $0.50 | Dec 2, 2020 | $0.50 |
| Dec 13, 2020 | $0.50 | Dec 2, 2020 | $0.50 |
| Dec 20, 2020 | $0.50 | Dec 2, 2020 | $0.50 |
| Dec 27, 2020 | $0.50 | Dec 2, 2020 | $0.50 |
| Jan 3, 2021 | $0.00 | ||
| Jan 10, 2021 | $0.00 | ||
| Jan 17, 2021 | $0.00 | ||
| Jan 24, 2021 | $0.00 | ||
| Jan 31, 2021 | $11.12 | Mar 10, 2021 | $11.12 |
| Feb 7, 2021 | $0.00 | ||
| Feb 14, 2021 | $0.00 | ||
| Feb 21, 2021 | $0.00 | ||
| Feb 28, 2021 | $0.00 | ||
| Mar 7, 2021 | $11.12 | ||
| Mar 14, 2021 | $11.12 | ||
| Mar 21, 2021 | $11.12 | ||
| Mar 28, 2021 | $11.12 | ||
| Apr 4, 2021 | $11.12 | ||
| Apr 11, 2021 | $98.54 | ||
| Apr 18, 2021 | $98.54 | ||
| Apr 25, 2021 | $98.54 | ||
| May 2, 2021 | $11.12 | ||
| May 9, 2021 | $11.12 | ||
| May 16, 2021 | $11.12 | ||
| May 23, 2021 | $11.12 | ||
| May 30, 2021 | $11.12 | ||
| Jun 6, 2021 | $98.54 | ||
| Jun 13, 2021 | $98.54 | ||
| Jun 20, 2021 | $98.54 | ||
| Jun 27, 2021 | $101.43 | ||
| Jul 4, 2021 | $95.66 | ||
| Jul 4, 2021 | $98.54 | ||
| Jul 4, 2021 | $51.36 | ||
Vicki Stewart Jun 18, 2019
Maggie and M Dec 24, 2018
Mary Nov 28, 2017
Anthony Dec 6, 2017
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