Add printing services for cybercafé

Josphat Mwiti

Umoja 3 In Nairobi [mugunda], Kenya

78% repaid

Entrepreneur

Name

Josphat Mwiti

Member since

December 2014

On-time repayments

370 installments  •  98%

About Me

My names are Josphat mwiti from eastern side of Kenya in Meru county,I am 32 years now married with two children .I am first born in a family of five,my dad died 9 years ago after a short illness when i was in form 3 and my mum who is peasant farmer continued paying my school fees which was hard for her but we were assisted by my local Methodist church in the village.After i did my final exam, i came to Nairobi city to look for a job and i was employed as a loader and i was able to help my mum to cater for my 2 sisters and 2 brothers .I also saved small and bought 5 second hard computers and in July 2014 i bought a small hp desk jet printer 1551 a second hard as on my photo and a hp 3 in one printer 1512 and i started my small cyber and money transfer services (Mpesa )in the Estate[NE TECH CYBER CAFE AND PHOTO STUDIO ]the name of my cyber where i offer services like printing ,typing ,laminating,binding ,photo printing and PC games for children.I also offer computer packages training but under someone college name because i have not registered my cyber as a college but is in the process by June 2015.I my self love computers ,i went to a college and did an IT course ,from there i interacted with more learned peoples especially my mentor in business who teach me a lot including basic computer repair,formatting [software and hardware] and business management. I love children's ,that's why i gave them opportunity to play on my PC but in future i will buy play game station.I live a neighborhood being a slum (KOROGOCHO) where some peoples lives is not good.I want in future to see my children living a good live and be future business peoples.My vision is to teach people entrepreneurship through IT. . By that i think there will no cry of unemployment in Kenya and entire world.

My Business

My business is mostly MONEY TRANSFER SERVICES (MPESA) A PHOTO STUDIO AND CYBER CAFE where i offer COMPUTER SERVICES like typing ,printing ,games and internet services.I also offer computer basic training for both young and old by what one can afford to pay e.g one can pay through affordable installment as agreed.Other services include online government applications like payslips,ticketing ,k.r.a pin number,passport application and driving license and more.
Computer services ,training is in demand because schools are around and my cyber is at the entrance of the estate,also schools make photocopy more demand.I choose this business to help society and make profit to help my mum to educate by brothers.In the last nine months my profit has increased by40,000ksh[400 ($) US DOLLARS] per month which is 70% growth monthly . I have used this profit to expand my business with the help of loan i get from Zindisha lenders and pay school fees for my brother.For now want to introduce sponsorship for computer training in my cyber for less able like the slums boys and girls and also to the street children because i live within a slum.MY GOD HELP ME.

Loan Proposal

Hello lenders,when i get the loan i will use it to buy an Epson Px 660 3 in 1 printer which is capable.of printing passport and photos direct from phones,cameras,USB, memory cards e.t.c.This printer is approximate 4500 Ksh(450 dollars).

The remaining cash will be used to add float on Mpesa, Equity and cooperative bank agent. This will add more profit to my business as it will be bringing a 7,000 Ksh (70 Dollars) a week equivalent to approximately 21,000 Ksh (200 Dollars) a month.

The profit that i will be getting will help me paying back the loan on time and also help in paying my son and the daughter school fees.Also it will help me cater for my Mum who is widowed back in rural areas.

The profit will increase at about 30% which will add up to 32,000 (320 Dollars ) a month after expenses.

Kindly lenders,do lend me again to pursue my dreams.

Thank you very much.

Income Source

My business mainly is for money agency ,in Kenya money agency is one of the crucial business which will remain opened during this time because we are bank agency and government is giving priority to cashless money transaction.
I have Mpesa (mobile money agency) Equity and Cooperative banks agency.
some of the transactions are ,deposits,withdraw,paying bills e.t.c.
I do also computer services,now that students are all at home I am offering Exam printing and photocopying as schools are sending exams online at a lower cost.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$1,811.76

Date disbursed

Apr 3, 2020

Repayment status

On Time

Projected term

33 months

Cost to entrepreneur

Service fee: $152.68

Credit risk payment: $305.36

Lenders

joerg

Berlin, Germany

M

marvin24

Giessen, Germany

Brian

Midhurst, Canada

C

Christian

Saarbruecken, Germany

davelowe100

Perryville, United States

AltruisticSelfishnes

Chicago, United States

S

Simmo

Sydney, Australia

S

soren

Göteborg, Sweden

ErikN

Stockholm, Sweden

LA

United States

Scott

Oregon, United States

F

FHult

Stockholm, Sweden

johnandmoliehi

Canton, New York, United States

L

lujabe

Melbourne, Australia

O

OneSummer

Muenster/Westphalia, Germany

L

Ladysmom

Dallas, United States

H

hanh352

Homosassa, United States

Laurie

Sry, Canada

Myrar

Aarau, Switzerland

Cloudways

Malta, Malta

Andreas1974

Fristad, Sweden

Namaste250

Pittsford, United States

G

Goodwill

Oakland, United States

ads68

Melbourne, Australia

P

Prysdahl

Marshall, United States

IM

Isak Maaseide

Tromso, Norway, Norway

ShaneS

Port Pirie, Australia

M

miriamg

Toronto, Canada

JFais

Atlanta, United States

R

run426

DeBary, United States

JOKer

Weisendorf, Germany

JonB

London, United Kingdom

ShaneHeneghan

Galway, Ireland, Belgium

lizandsteve

guelph, Canada

MrMichigander

Marquette, United States

mikeice

Kohler, United States

A

akshu71

Ottawa, Canada

M

martyb

United States

A

axienjii

Amsterdam, United Kingdom

M

Mullagh

United Kingdom

R

roozbeh

United States

J

jsbisa

New Orleans, Louisiana, United States

B

bscent

Hong Kong

Suman

Gold Coast, Australia

martinw

Stockholm, Sweden

S

sarahb

United States

K

Keith

Luxembourg

Otto Barten

Amsterdam, Netherlands

TheGoodData

London, United Kingdom

Y

Yanque

Madrid, Spain

OllieOladele

London, United Kingdom

Kyle Hoback

Jersey City, NJ, United States

D

djlayton4

United States

Mike and Jacqui

United Kingdom

JL

Joao Leal

United Kingdom

Becky Thompson

Leeds, United Kingdom

Jeroen Decock

Gent, Belgium

Dave Bogard

New York, United States

R

Robert

Berlin, Germany

Elias

Ulm, Germany

W

Wade

United States

Kai

Nuremberg, Germany

anne

Cologne, Germany

Kate Courteau

United States

SK

Stefan Kruell

Muenster, Germany

Craig

Memphis, TN, United States

Lou Kaucic

Sanbornton, NH, United States

E

erica

antwerpen, Belgium

Daniel Hammarberg

Gothenburg, Sweden

Kristin Rhodes

Kansas City, Kansas, United States

moursund

Beaver Nation, United States

Kevin

San Francisco, United States

JC

JD Conley

United States

I

Ian

United Kingdom

Jennifer Weber

Canandaigua, Ny, United States

Mouhamed

United States

KL

Ket Lin

United States

C

cota

United States

JD

Jeff DePree

United States

John Prendiville

Portland, United States

YM

Yelka Mikolji

United States

N

nprad

United States

Jorgen V

Mol, Belgium

Z

zaroastra

somewhere over the rainbow, Portugal

ME

Manaal Eisa

Washington DC, United States

PT

Paul T

Amsterdam, Netherlands

TH

tom hd

United Kingdom

MR

Michiel Rauws

San Francisco, Netherlands

Carla

Amsterdam, Netherlands

Bryan B

Calgary, Canada

H

Harry

Florida, United States

Pedro R-C

Cambridge, United States

P

Paul

Netherlands

F

Frits

Rotterdam, Netherlands

M

Margaret

United States

Isabella

UK, United Kingdom

Mark Grey

Redding, CT, United States

AH

ajay hampapur

United States

E

eriklonnroth

United Kingdom

Aran Dunlop

United States

Abdullah

United States

Akirahugo

Dortmund, Germany

A

Andrei

United States

A

Adam

United Kingdom

Eugen Stamm

Zurich, Switzerland

MC

United States

SH

Steven Huntington

London, United Kingdom

Rory McLaughlin

Dallas, United States

Carlo Cruz

Cincinnati, OH, United States

Thomas

Sweden, Sweden

Gabriel Fenili

Santo André, Brazil

V

Vyas

United States

V

Vidar

Oslo, Norway

P

Phips

Switzerland

D

derek

United States

LK

Leslie Kelly

United States

I

isaac

United Kingdom

RC

Rudi Chen

United States

Madeleine

Switzerland

SB

Sue Bucholz

Sacramento, United States

NG

Nick Gorrell

Surfers Paradise, Queensland, Australia

SA

Steve A

Newbury, United Kingdom

GC

Greger Cronquist

Göteborg, Sweden

J

James

United States

SS

Steve Smith

Winchester, Ma, United States

Jes-c

United States

RG

Ravi Gadad

United States

Bill Ballew

Kansas City, Missouri, United States

Zack Stein

United States

RC

Roy Chicky Arad

tel aviv, Israel, Israel

I

ixeldog

atlanta, United States

GA

Giovanni and Yelena

New York, Ny, United States

JA

Jan Andresen

Hamburg, Germany

L

Linn

United Kingdom

Dirk

Penang, Malaysia

Sinan Taifour

Munich, Germany, Germany

SM

Sachet Marion

United States

DF

D F

United States

James

London, United Kingdom

SA

Shar Alamdari

Los Angeles, United States

L

Lucy

Australia

Evan Metzner

United States

LS

Leah Stemeroff

Toronto, Canada, Canada

Martin Kraus

Traiskirchen, Austria

M

Marama

Australia

Benjamin Kniaz

Boston, United States

RR

Rory Rohloff

United States

SH

Stephanie He

United States

WS

Warren Shen

United States

R

Robert

Chicago, United States

Gerrit

Palm Harbor, FL, United States

JA

Joshua Axtell

United States

Richard Benyon

United States

Katie

United States

NM

Nitya Marepally

San Ramon, CA, United States

Day Family

Melbourne, Australia

VC

Victor Chong

United States

KL

Karen L Brown

United States

HD

Hardik Desai

United Kingdom

BE

Bob Ewing

United States

Shane Bugeja

Mankato, Minnesota, United States

R

Ralf

Germany

BP

Bill Piper

United States

Ellen

Michigan, United States

AL

Ada L

Boston, MA, USA, United States

WM

Wei Min

Kuala Lumpur, Malaysia

SS

Sara Sobota

United States

K

Kyle

Durban, United Kingdom

AD

Amy Dinh

United States

PC

Peter Cordier

United States

NK

Navid Kiassat

United States

M

Mark

Toulouse, France, France

D

Dalton

San Francisco, United States

CJ

Chris Jones

Seattle, United States

AV

Andrew van der Watt

Johannesburg, South Africa, United States

hervey liu

United States

Haroon S

United States

The X2AI Team

San Francisco, United States

DW

David Westmoreland

Colorado Springs, Colorado, United States

Melissa K

Portland, Oregon, United States

Dean Suminski

Portland, Oregon, United States

Diane U

Olympia, Wa, Usa, United States

Samuel

Ottawa, Canada, Canada

GS

Gary Sinard

Franklin, TN, United States

M

Mack

Harbor, Oregon, United States

PZ

Phillip Zink

United States

Doron Elinav

Ramat Gan, Israel

JF

J Fister

United States

Salvatore Martello

New York, New York, United States

France

Emily

San Francisco, United States

R

RMIM

United States

KA

Khaled Asmri

Saudi Arabia

Mike

Indianapolis, United States

DW

Dan Winetsky

United States

Martha Fleury

Bethesda, MD, United States

WC

Walter Clarke

Phoenix, United States

Paul Buchheit

Mountain View, United States

M

Mary

United States

Shervin

San Francisco, United States

Kevin Kong

San Francisco, CA, United States

Sayuri

United Kingdom

Frank

Germany

Ask Josphat 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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