Loan to purchase an egg incubator

Jayne Muruga

Nairobi, Kenya

21% repaid



Jayne Muruga

Member since

February 2014

On-time repayments

111 installments  •  71%

About Me

I am the fourth born in a family of seven, where my dad was a teacher.My family is from Njoro in Nakuru County.I learnt to do business as young as 14yrs where we wd go for casual labour in other peoples farms and from the earnings we would buy farm produce at lower prices and take to the market for a small profit margin.This way i would have my pocket money in school.After I got married I had to leave working and join my husband who was in a different town, it was then I started my first business of selling second hand clothes. However I have been separated for 9yrs now.I have 2 diplomas,Electronics and Information Systems.At the time we separated I dint have a regular job but a small cosmetic/ beauty soap which was all I had to rely on.About 5 months down the line I sold the business and left for the neighboring country Sudan to explore for better business opportunity.My stay there was however terminated due to hostility in the area i was located, just before the Country was declared independent.I have since been doing supplies in stationery mostly in schools but only occasionally.I have thus indulged in poultry farming to diversify just to supplement what I manage to get from supplies.I have a chicken farm house for local chicken which I have been supplying to a hotel.I have 2 children aged 16 and 11 yrs whom am taking care of. My girl desires to be a lawyer while the boy wants to be an engineer.
I love visiting farms and learning new things at every opportunity.

My Business

My business of poultry has been doing great and the school uniform supply is still on. Thanks to Zidisha for the three loans i have gotten from them. I ve continued to do supplies at the hotel and I just secured another supply order in a 3 star hotel for 120 pieces per week. Every other week I manage to bring in new chicks between 50 to 80.Out of the proceeds from this business, I did a course in sales and marketing costing 235US Dollars. This course I took so as to allow me be able to do proper marketing and learn the sales skills, this will go a long way in helping me do business more professionally.
From my initial involvement with schools, in stationery supplies, I have managed to source for school uniform supply from two schools, which I will do every beginning of the year.
Being a single parent is not an easy task,it requires me to work extra hard to manage with the ever rising living standards. Globally the economic crises is biting in all countries Kenya not being an exception.I thus have to stay open to available opportunities.

Loan Proposal

I wish to apply for a loan to fund the purchase of an egg incubator from one of my chicken suppliers as he wishes to upgrade to a larger incubator of 1500 egg capacity!
He is being fair to me offering the incubator @ $470 a capacity of 180 eggs and efficiency upto 85%,while a new one would cost me @$700. He has used the incubator for 18 months.
I ve been his regular customer for chicken for over 3 years and I had expressed my interest to him for hatching my own chicks since orders are delayed upto over 4 months for any new chick orders from the hatchery farms for local chicks with which I deal with and he too does not meet the orders I make.
My consideration to do own hatching is because it will tremendously impact on cost since am able to collect not less than 60 eggs in a week from my poultry farm, thus assured of 150 chicks every month less of my initial regular orders from the farms.
An egg costs $0.2, while a one week old chick has been costing me $1.0.
150*$0.2= $30 own production
Electricity= $12
Total........= $42
150*$1.0= $150 if from hatchery farms.
Saving........$108 on hatching..
Vaccines & feeds to maturity.....$327
Total cost from hatching $42 + $ 327= $369
Miscellaneous $$ 419
Grown chicken @ $5.5 average depending on size
150*$5.5= $825
Total saving $ 406 for every 150 chicken
This will save me alot from my regular orders..
It's for the above reason that am pleading my case for consideration for the funding towards the purchase of this incubator. The urgecy being he has already identified the incubator he wishes to purchase , and he plans to use this money from his sale to top up for the new purchase, he has however given me a week to organize payment, else he sells to any other who pays first...Thanking my lenders in advance for a positive consideration. I remain optimistic.
Having done a down payment commitment of $105 to him. My humble request for funding is beacause of the COST REDUCTION itit will impact from my own hatching and cut on the DELAY whenever I order for the chicks. Saving on grown chicken will beupto almost $450 for every 150 chicks hatched and layered.






Loan Info

Project Type

Classic Loan

Disbursed amount


Date disbursed

Aug 18, 2016

Repayment status


Projected term

8 months

Cost to entrepreneur

Service fee: $14.96



Charleston, United States

Matching Fund

Sterling, United States



Austin, United States


Cheltenham, United Kingdom


Neil Barnes

Molalla, United States


Jeddah, Saudi Arabia

Carl D Patterson

United Kingdom


Mike Sutherland

United Kingdom

The Zinc Team

San Francisco, United States

Seppo Ruohonen

Vantaa, Finland

Humble Bundle Community

San Francisco, United States


Mike Frawley

United States



United States

Ask Jayne a question about this loan project, share news and photos of your own, or send a simple note of thanks or inspiration.