Purchase quality printer for cybercafe


Kongoni, Kenya

23% repaid




Member since

January 2014

On-time repayments

172 installments  •  9%

About Me

I am Grace Wambui Mbathi and aged 26 years. I am second born in our family. I have two brothers (john Muthama Mbathi and David Gitau) and one sister (Mary Waruinu). All of us stay in different places. I stay in Kongoni, Naivasha whereas John stays in Molo and David in Nairobi. Mary stays with my father and mother at a place called Maraigushu in Naivasha.
I have a college certificate that I was given by Kenya Teachers Service Commission in 2010. After completing my college education, I joined my uncle in assisting him carry out his mali-mali business that sells household items. In February 2011, I managed to get a teaching job in a private primary school. However, I stayed there for one year and had no motivation to sign another contract. The salary that I was getting was low (Kshs 8,000) and I had to find greener pastures. With the support of my parents, I decided to study computer packages and information technology courses. I studied them for 6 month and had completed the certificate levels by August 2012. Since it has been always my passion to carry out business, I decided to apply my knowledge in business. With little savings, I had to seek support of relatives and friends. With the amount that I raised, I eventually managed to come up with a cyber café by December 2012. The Cyber had only two computers and a printer. I was good enough to invest in a place where the market was untapped. I had to move from Naivasha town to interior, remote area called Kongoni, around 16 kilometers from Naivasha town. Kongoni center did not have a cyber café and the residents around there used to travel around 6 kilometers to the place where they could find one. As a result, my business easily and quickly became a success. By June 2013, I managed to add two more computers and a photocopier machine. Still, the demand in the area was not satisfied. I am in need of adding more computers so as to satisfy the demand.
In addition, there was no business offering instant photographs and passport-size photographs services near Kongoni. Thus, I decided to purchase a digital camera worth Kshs 10,000 in December 2013 so that I can invest in the service. Unfortunately, my current printer does not have ability to print quality photographs. Thus, on top of the need to purchase additional computers, I have a need to purchase a good machine that can produce quality photographs and other products that the current printer is unable, such as wedding cards. I am considering the printer as a priority since there is a chance to expand my revenue within a short period of time. The only challenge is that the machine is costly. I have consulted and noted that a quality printer for the mentioned purposes costs around Kshs. 30,000. Thus, I am trying to save from my earnings but it might take some time to raise the total amount. I currently use part of the profits (around Kshs. 8,000 per month) in supporting personal expenses and save the rest (around Kshs 6,000 per month) in order to be able to support my business in the future. I have intention of expanding my business to include a computer college in the future. Thus, I welcome lenders to support me in realizing my future plans.

My Business

I will be able to pay my loan from the income I get from my business. I have so far managed to clear loans and debts that I incurred initially when starting my business. My business offers cyber cafe services (typesetting, printing, internet, computer games) and other computer-related services to the local community at Kongoni area. At the moment, my business is stable and demand is high since there is no other cyber cafe located at Kongoni. The nearest cyber cafe offering competitive services is located approximately five kilometers from Kongoni. There are persons who provide photogragh services to persons in need in the area but they do not have the machines to print them. They travel to Naivahsa (16 kilometers away) to print quality photos. If I acquire a good machine, I will be able to tap such individuals and expand my business. The good thing with the cyber cafe business is that the risk of failure or incurring a loss is very low. The only running costs are electricity cost, rent, cost of cartridges, dyes, machines maintenance costs, salary for one assistant and other small cost. The only problem with the business is that it requires machines that are costly. But after purchasing a quality machine, the risk of failure or loss is quite low. I set aside money for maintenance of machines for my business to run well without any risk of failure. My average running cost over the last five months (without the cost of purchasing machines) has been 17,250. The cost may increase slightly after purchasing the quality printer. However, the machine will highly help to boost my revenue. My average revenue for the past five years has been Ksh. 31,615. Thus, my average revenue has been around Kshs. 14,365 over the months. I estimate that the new machine can help to boost my profit by more than Kshs 5,000. Thus, I am sure that I will be able to repay the loan and I am consfident to seek support from lenders.

Loan Proposal

Thank you lenders and Zidisha staff for your overall support. I am now applyinh for a second loan. My first loan supported me to add another computer dsesktop machine. I have always wanted to upgrade my business and take advantage of the available opportunity through purchasing a quality printer that will be capable of printing quality photos. There are photographers around but they move to Naivasha town (arounbd 16 kilometers away) to have their photos printed. I will use the loan plus my savings to purchase a qulity printer called Epson that produces quality photos. The machine currently costs $322 dollars in Nairobi city. I already have a plan to add my savings to the amount thaat Zidisha will lend to me to purchase the machine. If I manage to purchase the machine, I expect my net profit to move up by approximately $85 dollars every month. Step by step, I am approaching to a point where my future ambitions are becoming real. Please lenders, I will not frustrate you and I still need you in the future. I welcome your support. Thank you






Loan Info

Project Type

Classic Loan

Disbursed amount


Date disbursed

May 10, 2014

Repayment status


Projected term

37 months

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  • Mårten    Aug 6, 2017

    Hello Grace!
    how is everything going?

    All the best,

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  • bileiro    Oct 28, 2014

    Grace, we're glad that you are back to business!
    Thanks for your message.

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  • Laparo    Oct 28, 2014

    Hi Grace,
    you invited Samwel Mwangi to Zidisha. Unfortunately, he hasn't started repaying his loan yet and doesn't communicate about it. Would you please contact him and share his feedback with the community?

    Thanks a lot

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  • bileiro    Oct 12, 2014

    Hi Grace, please let us know how your business is going. Thank you. Bileiro

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    • Grace    Oct 28, 2014

      Hello, I am good. i will be making repayment from the end of this week. I had paused working for a while due to some issues but am back and aiming to catch up. Thank you

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  • Grace    Aug 22, 2014

    Hi, there is a bit of lowdown in my business, although this is usual during the month of june to August. I will be back on track to making my payments on time soon during the coming month. I still appreciate your support and I will not let you down at all. I have been through some challenges but the business is doing well. Am sure taht i will be able to complete my oan payment soon.

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  • Grace    Jul 25, 2014

    Thank you my lenders for your support so far. I beg to inform you that you have helped boost my business, and I am going to clear the loan as promised as soon as possible. Thank you a lot

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  • Pavane    Jul 8, 2014

    Hello Grace,
    How are you and your business doing?
    Regards, Pavane

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    • Grace    Jul 16, 2014

      Hello, I am doing well Pavane. I gave birth to a baby girl who is one month old..I have been out of the business for a while but will be back soon. Thank you for the support and concern

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      • Pavane    Jul 20, 2014

        Many congratulations for your baby, Grace! I hope you and she are fine!
        Best regards, Pavane

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  • Grace    Jun 16, 2014

    Hi lenders, thanks a lot for the support you offered to me. My business is thriving well and I am able to repay my loan within the period of time that I promised. Zidisha staff have also been supportive to me. The I have decided increase the amount that I pay every week since my income is high enough to support me and the repayment. I am still focussing on co-operation with the staff and lenders.

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    • Pavane    Jul 4, 2014

      Hello Grace,
      I hope you are doing well. You are a couple of weeks behind in your repayments. What are your plans?
      Regards, Pavane

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  • Grace    Jun 10, 2014

    I am doing well, thanks a lot to zidisha and all lenders for your support. Thanks much

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  • Grace    May 3, 2014

    Thank you lenders for the support you have been giving me. I will take the opportunity to lay a fertile ground for the growth of my business. I hope Zidisha will last long

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  • Grace    Apr 16, 2014

    Hi lenders, thanks a lot for the support you offered to me. My business is thriving well and I am able to repay my loan within the period of time that I promised. Zidisha staff have also been supportive to me. The I have decided increase the amount that I pay every week since my income is high enough to support me and the repayment. I am still focussing on co-operation with the staff and lenders.

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  • Grace    Feb 7, 2014

    Hi, I am planning to repay my loan. I was informed that there is a grace period and I expected to start repaying it this week. But I found that calculation started during the first week. But that is no big problem. I am going to send the repayment funds today. I am rescheduling the the loan so that i can have adequate time to pay and also to ensure that I will be in position to raise the amount every week. My business has is still going on well and I have been able to acuire an additional computer. I am willing to have a good relationship with the lenders and zidisha now and in the future and therefore, I am ready to pay all the loan. As I had said, I do not want this good opportunity to go away. I have a chance to expand my business and earn well in the near future. Thank you all for your understanding.

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    • TuveTheDog    Feb 17, 2014


      Thanks for your update. You might be doing something wrong, since no payments has been received yet. Contact your mentor in case of a assistance.

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      • Grace    Mar 26, 2014

        I am doing well. TuveTheDog my business is doing good and I look forward to benefit from the support that you and other lenders have given me.

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