Purchasing an electric water for irrigation

Virginiah Gathoni

Subukia, Kenya

8% repaid



Virginiah Gathoni

Member since

November 2012

On-time repayments

127 installments  •  18%

About Me

I am a single lady aged 30 year old by the name Virginia Gathoni ,I was born on year 1982 at Rift valler provice Nakuru Disrtict in Maji Tamu location in Kenya.I join my primary education until class eight and completed in year 1997 were I got my primary education certificate in the year 1997,after completing my primary education I joined a secondary school at Wei secondary at Subukia near Maseno town in year 1998 but I did not managed to compleate up to form four due to school fees problem, after that we migrated from Maji to Wiyumiririe farm after 2002 general election due to tribal ethinic,after that I was blessed with four kid my first born being a boy Peter Murage , and my last born being Patrick Gatimu who is now three month old , after my second born I decided to stay with my sister who live at Kiptangwanyi and while I was there I decided to rent a shamba for farming and after two year I was able to raise some money for me to start a business for my self at Ngashura near maili sita of selling cereals which at that time was very profitable to me while being at Ngashura I joined Bright Light self help group where I have been a member till now, and after collecting some money from the bissiness I was able to raise money enough for me to buy a plot (plot number 91) Maseno at a price of ksh60000) where i live in Maseno tranding shopping center which is approximately 7km from Subukia town which is our nearest town. Subukia town is our nearest major town within this area. The shopping center is also 7km from Subukia shopping Center, where we pass as we move to and from Nakuru.I am single and born again Christian and a follower of Full Gospel Church of Kenya which is within our locality at Maseno, After been exposed to the area I decided to start my own business and rented a piece of land (half an acre) near the river Subukia of which I will be producing my own farm product and sell to within our area and its environs, but I lack money to rent a bigger piece of land thus I decided to have some money from our group and applied a loan of 900000 on 17 Feb 2010 which I have fully repaid. I live in plot number 91 at the shopping center where I carry out my business of selling the product I get from my piece of land I rent. My business include selling tomato and othe vegetable like sukumawiki ,cabbage and other in large quantity within Gagumo and its environs.

My Business

My business is mixed farming
My business includes mixed farming,i.e planting of tomatoes and green vegetable eg sukumawiki cabbages ,carrot and maize,my business entail renting of shambas near river bank of subukia river where by many people here usually rent shambas near the river which is well known at our place for production of this product especially tomatoes,where by usally rely on the river in watering their plantation using pumping machine by connecting pipes from the river up to your shamba . I decided to start the business of mixed farming after realize there is a ready market for this product especially tomatoes and vegetable because the place is well know in Riftvalley in producing tomatoes and distributing in various part of our country and there is no season for planting tomatoes even in dry season because we always rely on the river subukia in watering tomatoes and other vegetable and the river is ever with water and have so many small river all of them joining to river subukia thus giving us chance to cultivate and plant all season after season and the place is fertile. The businesses capture 80 percent of the market share in our area and in Subukia in general due availability of many rives thus making our place famous in producing tomatoec, also the business is expected to grow due to the ready market of the product especially for tomatoes because many people from far town such as from Nakuru ,Eldoret and other big town come to buy tomatoes at this area and the mean of transport is available and the climate is favorable They is a lot of demand of the product such as tomatoes,vegetable and maize and fresh vegetable, also so many people here rely on this variety for livelihood because they buy at low price direct from our farm.
Most of the farmer in Subukia relies with maize and beans crop thus making few of us to benefit from our business. The business will be profitable because climate is fovourable to us enabling us to produce much farm produce even in during dry season. The risk facing the business is poor price and tomato diseases during the rainy season which hinders many farmers to plant tomatoes especially if one does not have money to buy chemicals for spraying these kind of plant when affected by a disease ,main challage facing these bissiness is lack of money starting from lenting the shamba up to harvesting time need one to have alot of money . The goal of the business will to get profit and to satisfy the customer needs, the business fall under agriculture industry which has been growing very fast for past few years and it is expecting to have a bright future in term of modern farming. My vision about my business is expand from small farming to large scale farming whereby most of the farmers have been in large scale farming thus giving motivation to practice the type of farming. My typical monthly cost is khs 600000, sale revenue is around ksh 30000 and profit is above 25000 but I am planning to earning more from the business.

Loan Proposal

Dear lenders,
It is my hope that you are all well and doing great. My case is ok and am doing fine. I wish to use this loan that I will be offered do the following,
Firstly,I wish to purchase an electric water pump
secondly I wish to purchase six sprinklers. The electric water pump will be used to pump water from the river to the shamba where I grow my short term crops. In the wake of drought and failed rain in the country I wish to take advantage of my land that is near the river. The water pump will cost 30000ksh(about 341 US dollars). Water pipes from the river to my land which is 70meters from the river will cost 4000ksh(about 46 US dollars). The sprinklers will cost 1500ksh each(about 17 US dollars). In total 9000ksh(about 102US dollars) for the sprinklers.
My targeted income is as follows,
Growing half an acre of tomatoes and half an acre of onions. The half an acre of tomatoes will give me a net income of 90000ksh( about 1023 US dollars) within three months and the half an acre of onions will give me 120000ksh(about 1364 US dollars) net profit within 5months. The total net profit will be 210000ksh( about 2386 US dollars). Thanks in advance.






Loan Info

Project Type

Classic Loan

Disbursed amount


Date disbursed

Nov 24, 2014

Repayment status


Projected term

24 months

Cost to entrepreneur

Lender interest: $491.19 at 6.38% annual rate over 24 months = $64.40

Service fee: $36.89




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

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  • Valentine Mongola    Mar 8, 2015

    Dear lenders,
    I was not able to reach Virginia through her mobile phone so i contacted his community leader mr.Karanja who promised he will try to look for him when she come to church and let me know what's wrong with her.

    Thank you

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  • John Altimate    Jan 7, 2015

    Hi Virginiah. Well done. You are keeping a good payment record! Keep up the good work.

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  • Virginiah Gathoni    Jan 4, 2015

    Dear zidisha team and all my lenders, as i start this year and as i plan for my resolution for this year , i would like to change this my installment that i was making from 700 to 500 ,this is because i have been confusing this amount and making less money which is making me to be in arreas all time.and to avoid this i see it better to remain

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    • Dennis Furr    Jan 4, 2015

      My part in this loan is small but I'm happy to support this decision. I'd rather have you pay what you can afford than to struggle needlessly. Best of luck in the new year.

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  • Virginiah Gathoni    Dec 8, 2014

    Hallo zidisha and all my lenders who supported my loan bid ,i was not able to pay my loan yesterday for i was expecting to pay by tomorrow but i have decided to reschedule it because the money i was to start paying the loan ,i use part of that money to do some wiring so as to start my new eletricity machine.thanks

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  • humblehumanity    Nov 19, 2014

    Good luck acquiring the loan Virginiah

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  • KirstenShute    Nov 17, 2014

    Thank you for repaying your loan! I hope you are doing well. All the best,


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  • Virginiah Gathoni    Nov 16, 2014

    Dear lenders,
    I hope you are well. I am doing fine and progressing on well. My business is doing well too and am planning to clear my loan and be able to post another one. I am hoping to expand my business during this time of the holidays as the business is usually good. I am hoping for the best and hope my loan will be funded fast.

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  • williamjacobs    Oct 28, 2014

    I see payments are down to $5.97
    Tough times?
    I appreciate the efforts to pay it down.
    I hope business improves soon.

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  • Virginiah Gathoni    Sep 3, 2014

    dear lenders and my lovely lenders may i take this chance to say thanks for being patient to me as i continue to pay my loan although i am paying it at a slow pace,this time as i had targeted that i would sell my tomatoes that i had just planted were invaded by pest which i have tried to prevent it from the damage but all in vain thus i have spent alot of money as i was doing that,this have made me to reschedule my loan again

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  • Virginiah Gathoni    Aug 4, 2014

    Dear zidisha and all my lenders who supported my loan bid, i am also fine though my business is currently undergoing some hardship due to chargers in climate , thus i would like to reschedule my loan profile because my tomatoes that i had just planted have been affected by pest which lend me to a loss,for now i am planing to start afresh

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  • James Morara Onchangu    Jun 29, 2014

    Hello Virginia. I am impressed by your business .I am from Mombasa and i deal in handicrafts..

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  • Virginiah Gathoni    Jun 25, 2014

    Dear lenders and zidisha fraternity, i wish to take this chance to thank you for your financial support till this far,i wish to reschedule my loan this time round, this is due to some small family issue which they need money to solve them and i am not in good position to solve and pay the loan at the same time ,again my agri business that i do rely on have also gone down due to changes in climate,but i hope for the best very soon.Thankou

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  • Virginiah Gathoni    Nov 6, 2013

    Dear zidisha,i would like to change and reschedule that period of paying that loan from two years to one year ,this is because here at our place most farmers are harvesting thier maize and in my case my tomatoes are just to be taken to market thus i have many sources of getting money which will enable me to pay the loan within a short period

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    • KirstenShute    Nov 7, 2013

      Hello Virginiah,
      I'm glad your business is doing well. I see that the loan schedule has been updated. I appreciate people who pay back their loans on time or early, because I can use that money to lend to others. Thank you and best wishes,

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  • Virginiah Gathoni    Oct 27, 2013

    Dear zidisha, i wish to thank you very much for this far i have come,my bussiness is doing well now i am in good position of paying the loan without hassling.here at our place most farmers are preparing their pieces of land to plant tomatoes , for me iam lucky i will start getting some money from my tomatoes and God wish i will reschedule my loan and instead of paying it with two years i would rather preferred to pay the loan with the shortest time possible.

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    • KirstenShute    Nov 2, 2013

      Hello Virginiah,
      Thank you for the update. I see you're already ahead of schedule, and I hope your farm continues to do well. I also share a small vegetable garden, but the tomatoes stopped growing in September, since it's colder where I live. All the best,

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  • Elinor    Sep 16, 2013

    It is wonderful that you are doing well enough to repay your loan early. I really appreciate it!

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  • Virginiah Gathoni    Jul 29, 2013

    hi lenders, iwish to change my reparment and pay the loan withine six months,the reason beside this is because here at our place are busy preparing theiy pices of land to pmlant tomatoes to harvest on November were by we normay sell them at better price.i would also want to make my profile better than before by paying on time.

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  • Dschejwoulff    Apr 17, 2013

    How is your project going Virginiah?

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  • Aggul    Dec 24, 2012

    Good luck with your project Virginiah!

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