Name
Gabriel
Member since
January 2015
On-time repayments
329 installments • 83%
My name is Gabriel Kariuki,i am a marketer by profession,I hold a masters degree in business administration (operations management option (UON) a bachelor degree in business management- marketing option (MKU) I describe myself as a honest,aggressive & an ambitious person,generally am an achiever.
I come from Kirinyaga county in central KENYA,My constituency Mwea is known for rice production,85% supply of rice in east Africa comes from this region.
Currently in solar lighting business as an LME(last mile entrepreneur).
I have noted that many Kenyans in the village interiors live below the poverty line and can hardly afford to pay for electricity connections in their home.
I note that most of the village dwellers lack information and end up spending a lot on paraffin for lighting which despite having high cost on them its also have health implications.
My main motivation to solar business was triggered by my relentless efforts in advocating for use of green products and the need to embrace the green concept in the community.
I note that solar lamp lighting has no negative implications on the environment in its generation,manufacturing and use and also solar lamps are health conscious to the users unlike normal lanterns which emit a sharp smoke which hurts children eyes when they study and also cause serious chest complications if inhaled for a prolonged period.
Solar lighting provides a long term benefit in a cost effective way.
Recently i introduced energy saving cook stoves to my product line.
I have noted that 90% of Rural homes rely on open fire for their cooking,where research has proved that every home spends between $1.5-2 dollars on firewood daily on their cooking, i noted increase in expenditure/costs on firewood which seems very unfavorable to the rural homes most of whom who leave below poverty line and can hardly bare any further increase on firewood costs.As a way of giving back to the society & caring for the enviroment i decided to introduce the philips energy saving jiko which can reduce the daily spending on firewood for rural homes to costs of between $0.2 to 0.5 dollars daily thus about 80% reduction in costs on firewood.Generally philips jiko uses Biomass i.e dried cow dung,rice husks,wood pellets(complessed sawdust) to burn hence does not rely wholly on firewood.
I note that through the philips Jiko the traditional norm of deforestation by charcoal burners will be reduced by 80% hence benefiting/saving the enviroment.
Also unlike the open fires which pose serious health and safety hazards implications to the Rural homes users ,i note that the Philips energy saving Jiko has an inbuilt fan that blows in air in the jiko thus ensuring complete combustion and eliminating 96% of smoke,this makes the jiko user friendly,safe and healthy to use because unlike the open fire where the user is exposed to smoke which is not healthy and also hazard of open fire has been past associated with burning of houses.With Philips energy saving Jiko all these hazards have been controlled.hence I find the jikos not only effective but also efficient to use interms of cost saving,health, safety but also in saving our enviroment from illegal tree cutting by charcoal burners.
My main selling points is based on emphasis on the benefits thus a cost effective,quality,safety,health and enviromentally friendly products with long term benefits.
.
My business activity revolves around buying solar lamps from major distributors in town and selling these solar lamps to the customers in the village interiors.My main target groups include investment groups in the village,women merry go round groups etc.Upon confirming when these groups are meeting i usually request for time allocation.Where i do my presentations, this involve introducing the products and training them on the benefits of using solar products.
In a week am able to sell 4-7 pieces with each piece making a profit of ksh 500.
With now energy cook stoves in my product line my profit margins have grown to $3500 dollars in a month.
My business is now fully incorporated into a private limited company, This has given me an upper hand in business since i am currently able to apply and target bulk orders from corporate s and government organizations
I intend to use the loan to facilitate my rice farming business in mwea irrigation scheme.The Demand for pure Pishori rice tend to be high in Kenya with an estimated national demand of 950000 metric tonnes annually against the actual production of 180000 metric tonnes annually.
I have identified the scarcity in rice supply as a gap & an tapped business opportunity as the country continues to work towards achieving food security as part of the government big four agenda.
Currently an acre of rice produces at least 2.5 tonnes with an estimated market value $ 1625 (dollars) hence making a profit of at least $725 dollars per acre. I intend to facility my loan repayments from my current existing solar lighting businesses and also from the profits earned from the project
I consider paddy rice non-perishable with a storage shelve life of over 2 years,i plan to speculate the market after harvest to enable me sell the rice at the best price possible of between sh 65-70 per kg. In the meantime I plan to facilitate loan repayments through my other existing solar lighting business.
Positive
9
Neutral
None
Negative
None
Project Type
Classic Loan
Disbursed amount
$1,113.00
Date disbursed
Sep 13, 2020
Repayment status
Late
Projected term
16 months
Other loans
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Amount repaid
$636.06
Amount remaining
$400.92
Expected completion
Jan 23, 2022
Status
Repaying late
Installment amount
$10.35
Expected Payments | Actual Payments | ||
---|---|---|---|
Sep 20, 2020 | $18.36 | Sep 19, 2020 | $18.36 |
Sep 27, 2020 | $0.93 | Sep 27, 2020 | $0.93 |
Oct 4, 2020 | $0.93 | Sep 27, 2020 | $0.93 |
Oct 11, 2020 | $0.93 | Sep 27, 2020 | $0.93 |
Oct 18, 2020 | $0.93 | Sep 27, 2020 | $0.93 |
Oct 25, 2020 | $4.60 | Oct 24, 2020 | $4.60 |
Nov 1, 2020 | $4.60 | Oct 24, 2020 | $4.60 |
Nov 8, 2020 | $4.60 | Oct 24, 2020 | $4.60 |
Nov 15, 2020 | $4.60 | Oct 24, 2020 | $4.60 |
Nov 22, 2020 | $4.60 | Nov 22, 2020 | $4.60 |
Nov 29, 2020 | $4.60 | Nov 22, 2020 | $4.60 |
Dec 6, 2020 | $4.60 | Nov 22, 2020 | $4.60 |
Dec 13, 2020 | $4.60 | Nov 22, 2020 | $4.60 |
Dec 20, 2020 | $4.60 | Dec 19, 2020 | $4.60 |
Dec 27, 2020 | $4.60 | Dec 19, 2020 | $4.60 |
Jan 3, 2021 | $4.60 | Dec 19, 2020 | $4.60 |
Jan 10, 2021 | $4.60 | Dec 19, 2020 | $4.60 |
Jan 17, 2021 | $10.35 | Jan 17, 2021 | $10.35 |
Jan 24, 2021 | $10.35 | Jan 17, 2021 | $10.35 |
Jan 31, 2021 | $10.35 | Feb 3, 2021 | $4.59 |
Feb 7, 2021 | $5.76 | ||
Feb 7, 2021 | $0.00 | ||
Feb 14, 2021 | $10.35 | Feb 19, 2021 | $5.17 |
Mar 1, 2021 | $5.17 | ||
Feb 21, 2021 | $5.17 | Mar 12, 2021 | $5.17 |
Feb 28, 2021 | $0.00 | ||
Mar 7, 2021 | $0.00 | ||
Mar 14, 2021 | $0.00 | ||
Mar 21, 2021 | $7.01 | Mar 22, 2021 | $5.17 |
Apr 9, 2021 | $0.92 | ||
Apr 9, 2021 | $0.92 | ||
Mar 28, 2021 | $0.00 | ||
Apr 4, 2021 | $3.67 | Apr 12, 2021 | $0.92 |
Apr 12, 2021 | $0.92 | ||
Apr 18, 2021 | $0.92 | ||
Apr 18, 2021 | $0.92 | ||
Apr 11, 2021 | $10.35 | Apr 25, 2021 | $0.92 |
Apr 27, 2021 | $0.92 | ||
May 10, 2021 | $0.92 | ||
May 10, 2021 | $0.92 | ||
May 17, 2021 | $0.92 | ||
May 17, 2021 | $0.92 | ||
Jun 4, 2021 | $0.92 | ||
Jun 4, 2021 | $0.92 | ||
Jun 16, 2021 | $0.92 | ||
Jun 16, 2021 | $0.92 | ||
Jun 16, 2021 | $0.92 | ||
Jun 16, 2021 | $0.26 | ||
Apr 18, 2021 | $10.35 | Jun 16, 2021 | $0.66 |
Jun 16, 2021 | $0.92 | ||
Jun 26, 2021 | $0.92 | ||
Jun 26, 2021 | $0.92 | ||
Jun 26, 2021 | $0.92 | ||
Jul 4, 2021 | $0.92 | ||
Jul 4, 2021 | $0.92 | ||
Jul 4, 2021 | $0.92 | ||
Jul 4, 2021 | $0.92 | ||
Jul 11, 2021 | $0.92 | ||
Jul 11, 2021 | $0.92 | ||
Jul 11, 2021 | $0.51 | ||
Apr 25, 2021 | $10.35 | Jul 11, 2021 | $0.40 |
Jul 11, 2021 | $0.92 | ||
Jul 18, 2021 | $0.92 | ||
Jul 18, 2021 | $0.92 | ||
Jul 18, 2021 | $0.92 | ||
Jul 18, 2021 | $0.92 | ||
Jul 25, 2021 | $0.92 | ||
Jul 25, 2021 | $0.92 | ||
Jul 25, 2021 | $0.92 | ||
Jul 25, 2021 | $0.46 | ||
Aug 1, 2021 | $0.92 | ||
Aug 1, 2021 | $0.92 | ||
Aug 1, 2021 | $0.31 | ||
May 2, 2021 | $10.35 | Aug 1, 2021 | $0.61 |
Aug 1, 2021 | $0.46 | ||
Aug 23, 2021 | $0.92 | ||
Aug 23, 2021 | $0.92 | ||
Aug 29, 2021 | $0.92 | ||
Aug 29, 2021 | $0.92 | ||
Sep 6, 2021 | $0.92 | ||
Sep 6, 2021 | $0.92 | ||
Sep 6, 2021 | $0.92 | ||
Sep 10, 2021 | $2.86 | ||
May 9, 2021 | $10.35 | Sep 10, 2021 | $10.35 |
May 16, 2021 | $62.39 | Sep 10, 2021 | $62.39 |
May 23, 2021 | $62.39 | Sep 10, 2021 | $62.02 |
Sep 19, 2021 | $0.37 | ||
May 30, 2021 | $10.35 | Sep 19, 2021 | $4.22 |
Sep 25, 2021 | $6.13 | ||
Jun 6, 2021 | $62.39 | Sep 25, 2021 | $62.39 |
Jun 13, 2021 | $10.35 | Sep 25, 2021 | $10.35 |
Jun 20, 2021 | $10.35 | Sep 25, 2021 | $8.29 |
Oct 4, 2021 | $2.06 | ||
Jun 27, 2021 | $10.35 | Oct 4, 2021 | $2.53 |
Oct 10, 2021 | $0.92 | ||
Oct 10, 2021 | $0.92 | ||
Oct 10, 2021 | $0.92 | ||
Nov 19, 2021 | $4.59 | ||
Nov 29, 2021 | $0.48 | ||
Jul 4, 2021 | $10.35 | Nov 29, 2021 | $4.11 |
Dec 26, 2021 | $0.92 | ||
Dec 26, 2021 | $0.92 | ||
Dec 26, 2021 | $0.92 | ||
Dec 26, 2021 | $0.92 | ||
Jan 6, 2022 | $0.92 | ||
Jan 6, 2022 | $0.92 | ||
Jan 6, 2022 | $0.73 | ||
Jul 11, 2021 | $10.35 | Jan 6, 2022 | $0.18 |
Jan 6, 2022 | $0.92 | ||
Jan 30, 2022 | $0.92 | ||
Jan 30, 2022 | $0.92 | ||
Jan 30, 2022 | $0.92 | ||
Jan 30, 2022 | $0.21 | ||
Feb 10, 2022 | $0.92 | ||
Feb 10, 2022 | $0.92 | ||
Feb 10, 2022 | $0.92 | ||
Feb 10, 2022 | $0.28 | ||
Feb 16, 2022 | $0.92 | ||
Feb 16, 2022 | $0.92 | ||
Feb 16, 2022 | $0.92 | ||
Feb 28, 2022 | $0.50 | ||
Jul 18, 2021 | $10.35 | Feb 28, 2022 | $0.41 |
Feb 28, 2022 | $0.92 | ||
Feb 28, 2022 | $0.92 | ||
Mar 5, 2022 | $0.92 | ||
Mar 5, 2022 | $0.92 | ||
Mar 5, 2022 | $0.92 | ||
Mar 12, 2022 | $0.92 | ||
Mar 12, 2022 | $0.92 | ||
Mar 12, 2022 | $0.92 | ||
Mar 21, 2022 | $0.92 | ||
Mar 21, 2022 | $0.92 | ||
Mar 21, 2022 | $0.76 | ||
Jul 25, 2021 | $10.35 | Mar 21, 2022 | $0.16 |
Mar 29, 2022 | $0.92 | ||
Mar 29, 2022 | $0.92 | ||
Mar 29, 2022 | $0.92 | ||
Apr 3, 2022 | $0.92 | ||
Apr 3, 2022 | $0.92 | ||
Apr 3, 2022 | $0.92 | ||
Apr 11, 2022 | $0.92 | ||
Apr 11, 2022 | $0.92 | ||
Apr 11, 2022 | $0.92 | ||
May 1, 2022 | $0.92 | ||
May 1, 2022 | $0.92 | ||
May 1, 2022 | $0.10 | ||
Aug 1, 2021 | $10.35 | May 1, 2022 | $0.82 |
May 8, 2022 | $0.92 | ||
May 8, 2022 | $0.92 | ||
May 8, 2022 | $0.92 | ||
May 15, 2022 | $0.92 | ||
May 15, 2022 | $0.92 | ||
May 15, 2022 | $0.92 | ||
May 22, 2022 | $0.92 | ||
May 30, 2022 | $0.92 | ||
May 30, 2022 | $0.92 | ||
May 30, 2022 | $0.92 | ||
Jun 5, 2022 | $0.36 | ||
Aug 8, 2021 | $10.35 | Jun 5, 2022 | $0.56 |
Jun 5, 2022 | $0.92 | ||
Jun 5, 2022 | $0.92 | ||
Jun 12, 2022 | $0.28 | ||
Jun 12, 2022 | $0.92 | ||
Jun 12, 2022 | $0.92 | ||
Jun 19, 2022 | $0.92 | ||
Jun 19, 2022 | $0.92 | ||
Jun 26, 2022 | $0.92 | ||
Jun 26, 2022 | $0.92 | ||
Jun 26, 2022 | $0.92 | ||
Jul 3, 2022 | $0.92 | ||
Jul 3, 2022 | $0.34 | ||
Aug 15, 2021 | $62.39 | Jul 3, 2022 | $0.58 |
Jul 3, 2022 | $0.92 | ||
Jul 10, 2022 | $0.92 | ||
Jul 10, 2022 | $0.92 | ||
Jul 10, 2022 | $0.92 | ||
Jul 17, 2022 | $0.92 | ||
Jul 17, 2022 | $0.92 | ||
Jul 17, 2022 | $0.92 | ||
Jul 24, 2022 | $0.92 | ||
Jul 24, 2022 | $0.92 | ||
Jul 24, 2022 | $0.92 | ||
Jul 31, 2022 | $0.92 | ||
Jul 31, 2022 | $0.92 | ||
Jul 31, 2022 | $0.92 | ||
Aug 7, 2022 | $0.92 | ||
Aug 7, 2022 | $0.92 | ||
Aug 7, 2022 | $0.92 | ||
Aug 14, 2022 | $0.92 | ||
Aug 14, 2022 | $0.92 | ||
Aug 14, 2022 | $0.92 | ||
Aug 14, 2022 | $0.55 | ||
Aug 19, 2022 | $0.28 | ||
Aug 21, 2022 | $0.92 | ||
Aug 21, 2022 | $0.92 | ||
Aug 21, 2022 | $0.92 | ||
Aug 28, 2022 | $0.92 | ||
Aug 28, 2022 | $0.92 | ||
Aug 28, 2022 | $0.92 | ||
Sep 4, 2022 | $0.92 | ||
Sep 4, 2022 | $0.92 | ||
Sep 4, 2022 | $0.92 | ||
Sep 11, 2022 | $0.92 | ||
Sep 11, 2022 | $0.92 | ||
Sep 11, 2022 | $0.92 | ||
Sep 18, 2022 | $0.92 | ||
Sep 18, 2022 | $0.92 | ||
Sep 18, 2022 | $0.92 | ||
Sep 25, 2022 | $0.92 | ||
Sep 25, 2022 | $0.92 | ||
Sep 25, 2022 | $0.92 | ||
Oct 2, 2022 | $0.92 | ||
Oct 2, 2022 | $0.92 | ||
Oct 2, 2022 | $0.92 | ||
Oct 2, 2022 | $0.92 | ||
Oct 9, 2022 | $4.59 | ||
Oct 16, 2022 | $0.92 | ||
Oct 16, 2022 | $0.92 | ||
Oct 23, 2022 | $0.92 | ||
Oct 30, 2022 | $0.92 | ||
Oct 30, 2022 | $0.92 | ||
Oct 30, 2022 | $0.92 | ||
Nov 6, 2022 | $0.92 | ||
Nov 6, 2022 | $0.92 | ||
Nov 6, 2022 | $0.92 | ||
Nov 13, 2022 | $0.92 | ||
Nov 13, 2022 | $0.92 | ||
Nov 13, 2022 | $0.92 | ||
Nov 20, 2022 | $0.92 | ||
Nov 20, 2022 | $0.92 | ||
Nov 20, 2022 | $0.92 | ||
Nov 27, 2022 | $0.92 | ||
Nov 27, 2022 | $0.92 | ||
Nov 27, 2022 | $0.92 | ||
Dec 4, 2022 | $0.92 | ||
Dec 4, 2022 | $0.92 | ||
Dec 4, 2022 | $0.43 | ||
Aug 22, 2021 | $10.35 | Dec 4, 2022 | $0.49 |
Dec 11, 2022 | $0.92 | ||
Dec 11, 2022 | $0.92 | ||
Dec 11, 2022 | $0.92 | ||
Dec 18, 2022 | $0.92 | ||
Dec 18, 2022 | $0.92 | ||
Dec 18, 2022 | $0.92 | ||
Dec 25, 2022 | $0.92 | ||
Dec 25, 2022 | $0.92 | ||
Dec 25, 2022 | $0.92 | ||
Jan 1, 2023 | $0.92 | ||
Jan 1, 2023 | $0.69 | ||
Aug 29, 2021 | $10.35 | Jan 1, 2023 | $0.23 |
Jan 1, 2023 | $0.92 | ||
Jan 8, 2023 | $0.92 | ||
Jan 8, 2023 | $0.92 | ||
Jan 8, 2023 | $0.92 | ||
Jan 15, 2023 | $0.92 | ||
Jan 15, 2023 | $0.73 | ||
Jan 16, 2023 | $0.92 | ||
Jan 16, 2023 | $0.18 | ||
Jan 16, 2023 | $0.92 | ||
Jan 22, 2023 | $0.92 | ||
Jan 29, 2023 | $0.92 | ||
Jan 29, 2023 | $0.92 | ||
Jan 29, 2023 | $0.03 | ||
Sep 5, 2021 | $10.35 | Jan 29, 2023 | $0.89 |
Feb 5, 2023 | $0.92 | ||
Feb 5, 2023 | $0.92 | ||
Feb 5, 2023 | $0.92 | ||
Feb 12, 2023 | $0.92 | ||
Feb 12, 2023 | $0.92 | ||
Feb 12, 2023 | $0.92 | ||
Feb 19, 2023 | $0.92 | ||
Feb 19, 2023 | $0.92 | ||
Feb 19, 2023 | $0.92 | ||
Feb 26, 2023 | $0.92 | ||
Feb 26, 2023 | $0.28 | ||
Sep 12, 2021 | $10.35 | Feb 26, 2023 | $0.63 |
Feb 27, 2023 | $0.92 | ||
Mar 5, 2023 | $0.92 | ||
Mar 12, 2023 | $0.92 | ||
Mar 19, 2023 | $0.92 | ||
Mar 26, 2023 | $0.92 | ||
Apr 2, 2023 | $0.92 | ||
Apr 9, 2023 | $0.92 | ||
Apr 9, 2023 | $0.92 | ||
Apr 16, 2023 | $0.92 | ||
Apr 16, 2023 | $0.92 | ||
Apr 23, 2023 | $0.54 | ||
Sep 19, 2021 | $10.35 | Apr 23, 2023 | $0.38 |
Apr 23, 2023 | $0.92 | ||
Apr 30, 2023 | $0.92 | ||
Apr 30, 2023 | $0.92 | ||
Apr 30, 2023 | $0.92 | ||
Apr 30, 2023 | $0.46 | ||
May 7, 2023 | $0.92 | ||
May 8, 2023 | $0.92 | ||
May 8, 2023 | $0.46 | ||
May 14, 2023 | $0.92 | ||
May 14, 2023 | $0.92 | ||
May 21, 2023 | $0.92 | ||
May 21, 2023 | $0.80 | ||
Sep 26, 2021 | $10.35 | May 21, 2023 | $0.12 |
May 28, 2023 | $0.92 | ||
May 28, 2023 | $0.92 | ||
Jun 4, 2023 | $0.92 | ||
Jun 4, 2023 | $0.92 | ||
Jun 11, 2023 | $0.92 | ||
Jun 18, 2023 | $0.92 | ||
Jun 25, 2023 | $0.92 | ||
Jul 4, 2023 | $0.92 | ||
Jul 9, 2023 | $0.92 | ||
Jul 16, 2023 | $0.92 | ||
Jul 30, 2023 | $0.92 | ||
Aug 6, 2023 | $0.14 | ||
Oct 3, 2021 | $10.35 | Aug 6, 2023 | $0.78 |
Aug 13, 2023 | $0.92 | ||
Aug 20, 2023 | $0.92 | ||
Aug 27, 2023 | $0.92 | ||
Sep 4, 2023 | $0.92 | ||
Sep 10, 2023 | $0.92 | ||
Oct 1, 2023 | $0.92 | ||
Oct 8, 2023 | $0.92 | ||
Oct 15, 2023 | $0.92 | ||
Oct 15, 2023 | $0.92 | ||
Oct 22, 2023 | $1.31 | ||
Oct 10, 2021 | $10.35 | Oct 22, 2023 | $0.52 |
Oct 29, 2023 | $0.92 | ||
Nov 5, 2023 | $0.92 | ||
Nov 5, 2023 | $0.92 | ||
Nov 12, 2023 | $0.92 | ||
Nov 19, 2023 | $0.92 | ||
Nov 26, 2023 | $0.92 | ||
Dec 3, 2023 | $0.92 | ||
Dec 10, 2023 | $0.92 | ||
Dec 17, 2023 | $0.92 | ||
Dec 24, 2023 | $0.92 | ||
Dec 31, 2023 | $0.65 | ||
Oct 17, 2021 | $10.35 | Dec 31, 2023 | $1.18 |
Jan 8, 2024 | $0.92 | ||
Jan 14, 2024 | $0.92 | ||
Jan 21, 2024 | $0.92 | ||
Feb 4, 2024 | $0.92 | ||
Feb 11, 2024 | $0.92 | ||
Feb 18, 2024 | $0.92 | ||
Feb 25, 2024 | $0.92 | ||
Mar 3, 2024 | $1.83 | ||
Mar 10, 2024 | $0.91 | ||
Oct 24, 2021 | $10.35 | Mar 10, 2024 | $0.01 |
Mar 20, 2024 | $0.92 | ||
Mar 24, 2024 | $0.92 | ||
Mar 31, 2024 | $0.92 | ||
Apr 14, 2024 | $0.92 | ||
Oct 31, 2021 | $10.35 | ||
Nov 7, 2021 | $10.35 | ||
Nov 14, 2021 | $10.35 | ||
Nov 21, 2021 | $10.35 | ||
Nov 28, 2021 | $10.35 | ||
Dec 5, 2021 | $62.39 | ||
Dec 12, 2021 | $62.39 | ||
Dec 19, 2021 | $62.39 | ||
Dec 26, 2021 | $62.39 | ||
Jan 2, 2022 | $62.39 | ||
Jan 9, 2022 | $10.35 | ||
Jan 16, 2022 | $10.35 | ||
Jan 23, 2022 | $9.88 |
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