Judy
Nairobi Utawala/githunguri, Kenya
100% repaid
Name
Judy
Member since
October 2012
On-time repayments
321 installments • 56%
My name are Judy Waruguru Mburu. I am a permanent resident of Utawala -ruai, Iam married to Mathew Kamau and we are blessed with two children. I finished my o level in 2004. In the year 2005 i joined EPZ as a clerk. I worked there upto the year 2009 when we were retrenched by the management. I decided to venture into business of selling new and second hand clothes. Later as the business grew i stocked rubber shoes and slippers. The earning that i get i plough it back to the business and the rest is used to support the daily expenses of a house hold
My name are Judy Waruguru Mburu. I am a permanent resident of Utawala -ruai, Iam married to Mathew Kamau and we are blessed with two children. I finished my o level in 2004. In the year 2005 i joined EPZ as a clerk. I worked there upto the year 2009 when we were retrenched by the management. I decided to venture into business of selling new and second hand clothes. Later as the business grew i stocked rubber shoes and slippers. The earning that i get i plough it back to the business and the rest is used to support the daily expenses of a house hold
My business deals with the new clothes, second hand clothes, rubber shoes and slippers. There is demand for this goods especially the second hand clothes due to the government regulation of the cotton industry. The demand is also due to the competitive price i sell them to the customers. Customers prefers my business because of the ideal location of the business. They prefer my business because of the polite and courteous way i interact with them. The business is profitable because am able to add stocks and i can see it grow each and every month. The risk that i face is that to theft and bulgary though we have joined with my neighbours and we have managed to employ two watchmen who keep watch at night.
My monthly cost of sales isKsh 70,000.00
Monthly revenue Ksh 100,000.00
Transport cost and other expenses Ksh 8000.000
Rent Ksh 2000.00
Electricity bills Ksh 500.00
Total expenses ksh 10500.00
My montly net profit Ksh 19,500.00
When I get the loan, am planning to expand my business further. This will be done by adding stock and also adding floats to my Mpesa services. Am also planning to add , Equity agents, Co-operative agents and KCB mtaani agents to my business so that i can maximize profit.
If the money will be enough, am planning also to introduce computer services where i will be doing printing and photocopying services.
Positive
8
Neutral
None
Negative
None
Project Type
Classic Loan
Disbursed amount
$1,879.00
Date disbursed
Feb 9, 2015
Repayment status
On Time
Projected term
24 months
Other loans
Ask Judy a question about this project, share news and photos of your own, or send a simple note of thanks or inspiration.
Amount repaid
$2,283.08
Amount remaining
$0.00
Date repaid
Nov 12, 2016
Status
Fully repaid
Expected Payments | Actual Payments | ||
---|---|---|---|
Feb 22, 2015 | $21.94 | Feb 23, 2015 | $21.94 |
Mar 1, 2015 | $21.94 | Mar 2, 2015 | $21.94 |
Mar 8, 2015 | $21.94 | Mar 11, 2015 | $21.94 |
Mar 15, 2015 | $21.94 | Mar 16, 2015 | $21.94 |
Mar 22, 2015 | $21.94 | Apr 2, 2015 | $21.94 |
Mar 29, 2015 | $21.94 | Apr 2, 2015 | $21.94 |
Apr 5, 2015 | $21.94 | Apr 2, 2015 | $21.94 |
Apr 12, 2015 | $21.94 | Apr 2, 2015 | $17.50 |
Apr 15, 2015 | $4.44 | ||
Apr 19, 2015 | $21.94 | Apr 15, 2015 | $8.89 |
May 4, 2015 | $13.06 | ||
Apr 26, 2015 | $21.94 | May 4, 2015 | $21.94 |
May 3, 2015 | $21.94 | May 4, 2015 | $21.94 |
May 10, 2015 | $21.94 | May 9, 2015 | $21.94 |
May 17, 2015 | $21.94 | May 9, 2015 | $21.94 |
May 24, 2015 | $21.94 | Jun 11, 2015 | $21.94 |
May 31, 2015 | $21.94 | Jun 11, 2015 | $21.94 |
Jun 7, 2015 | $21.94 | Jun 11, 2015 | $21.94 |
Jun 14, 2015 | $21.94 | Jun 11, 2015 | $21.94 |
Jun 21, 2015 | $21.94 | Jun 11, 2015 | $21.94 |
Jun 28, 2015 | $21.94 | Jun 11, 2015 | $21.94 |
Jul 5, 2015 | $21.94 | Jun 11, 2015 | $1.11 |
Jul 8, 2015 | $20.83 | ||
Jul 12, 2015 | $21.94 | Jul 8, 2015 | $21.94 |
Jul 19, 2015 | $21.94 | Jul 8, 2015 | $21.94 |
Jul 26, 2015 | $21.94 | Jul 8, 2015 | $21.94 |
Aug 2, 2015 | $21.94 | Jul 8, 2015 | $21.94 |
Aug 9, 2015 | $21.94 | Jul 8, 2015 | $1.11 |
Aug 7, 2015 | $20.83 | ||
Aug 16, 2015 | $21.94 | Aug 7, 2015 | $21.94 |
Aug 23, 2015 | $21.94 | Aug 7, 2015 | $21.94 |
Aug 30, 2015 | $21.94 | Aug 7, 2015 | $21.94 |
Sep 6, 2015 | $21.94 | Aug 7, 2015 | $2.22 |
Sep 6, 2015 | $19.72 | ||
Sep 13, 2015 | $21.94 | Sep 6, 2015 | $21.94 |
Sep 20, 2015 | $21.94 | Sep 6, 2015 | $21.94 |
Sep 27, 2015 | $21.94 | Sep 6, 2015 | $21.94 |
Oct 4, 2015 | $21.94 | Sep 6, 2015 | $2.22 |
Oct 3, 2015 | $19.72 | ||
Oct 11, 2015 | $21.94 | Oct 3, 2015 | $21.94 |
Oct 18, 2015 | $21.94 | Oct 3, 2015 | $21.94 |
Oct 25, 2015 | $21.94 | Oct 3, 2015 | $21.94 |
Nov 1, 2015 | $21.94 | Oct 3, 2015 | $2.78 |
Nov 2, 2015 | $19.17 | ||
Nov 8, 2015 | $21.94 | Nov 2, 2015 | $21.94 |
Nov 15, 2015 | $21.94 | Nov 2, 2015 | $21.94 |
Nov 22, 2015 | $21.94 | Nov 2, 2015 | $21.94 |
Nov 29, 2015 | $21.94 | Nov 2, 2015 | $3.89 |
Dec 3, 2015 | $18.06 | ||
Dec 6, 2015 | $21.94 | Dec 3, 2015 | $21.94 |
Dec 13, 2015 | $21.94 | Dec 3, 2015 | $21.94 |
Dec 20, 2015 | $21.94 | Dec 3, 2015 | $21.94 |
Dec 27, 2015 | $21.94 | Dec 3, 2015 | $5.00 |
Jan 7, 2016 | $16.94 | ||
Jan 3, 2016 | $21.94 | Jan 7, 2016 | $21.94 |
Jan 10, 2016 | $21.94 | Jan 7, 2016 | $21.94 |
Jan 17, 2016 | $21.94 | Jan 7, 2016 | $21.94 |
Jan 24, 2016 | $21.94 | Jan 7, 2016 | $21.94 |
Jan 31, 2016 | $21.94 | Jan 7, 2016 | $5.00 |
Feb 9, 2016 | $16.94 | ||
Feb 7, 2016 | $21.94 | Feb 9, 2016 | $21.94 |
Feb 14, 2016 | $21.94 | Feb 9, 2016 | $21.94 |
Feb 21, 2016 | $21.94 | Feb 9, 2016 | $21.94 |
Feb 28, 2016 | $21.94 | Feb 9, 2016 | $5.00 |
Mar 10, 2016 | $16.94 | ||
Mar 6, 2016 | $21.94 | Mar 10, 2016 | $21.94 |
Mar 13, 2016 | $21.94 | Mar 10, 2016 | $21.94 |
Mar 20, 2016 | $21.94 | Mar 10, 2016 | $21.94 |
Mar 27, 2016 | $21.94 | Mar 10, 2016 | $6.11 |
Apr 6, 2016 | $15.83 | ||
Apr 3, 2016 | $21.94 | Apr 6, 2016 | $21.94 |
Apr 10, 2016 | $21.94 | Apr 6, 2016 | $21.94 |
Apr 17, 2016 | $21.94 | Apr 6, 2016 | $21.94 |
Apr 24, 2016 | $21.94 | Apr 6, 2016 | $7.22 |
May 1, 2016 | $14.72 | ||
May 1, 2016 | $21.94 | May 1, 2016 | $21.94 |
May 8, 2016 | $21.94 | May 1, 2016 | $21.94 |
May 15, 2016 | $21.94 | May 1, 2016 | $21.94 |
May 22, 2016 | $21.94 | May 1, 2016 | $8.33 |
Jun 4, 2016 | $13.61 | ||
May 29, 2016 | $21.94 | Jun 4, 2016 | $21.94 |
Jun 5, 2016 | $21.94 | Jun 4, 2016 | $21.94 |
Jun 12, 2016 | $21.94 | Jun 4, 2016 | $21.94 |
Jun 19, 2016 | $21.94 | Jun 4, 2016 | $9.44 |
Jul 4, 2016 | $12.50 | ||
Jun 26, 2016 | $21.94 | Jul 4, 2016 | $21.94 |
Jul 3, 2016 | $21.94 | Jul 4, 2016 | $21.94 |
Jul 10, 2016 | $21.94 | Jul 4, 2016 | $21.94 |
Jul 17, 2016 | $21.94 | Jul 4, 2016 | $21.94 |
Jul 24, 2016 | $21.94 | Jul 4, 2016 | $9.44 |
Aug 6, 2016 | $12.50 | ||
Jul 31, 2016 | $21.94 | Aug 6, 2016 | $21.94 |
Aug 7, 2016 | $21.94 | Aug 6, 2016 | $21.94 |
Aug 14, 2016 | $21.94 | Aug 6, 2016 | $21.94 |
Aug 21, 2016 | $21.94 | Aug 6, 2016 | $9.44 |
Sep 4, 2016 | $12.50 | ||
Aug 28, 2016 | $21.94 | Sep 4, 2016 | $21.94 |
Sep 4, 2016 | $21.94 | Sep 4, 2016 | $21.94 |
Sep 11, 2016 | $21.94 | Sep 4, 2016 | $21.94 |
Sep 18, 2016 | $21.94 | Sep 4, 2016 | $10.56 |
Sep 22, 2016 | $11.39 | ||
Sep 25, 2016 | $21.94 | Sep 25, 2016 | $21.94 |
Oct 2, 2016 | $21.94 | Oct 2, 2016 | $21.67 |
Oct 9, 2016 | $0.28 | ||
Oct 9, 2016 | $21.94 | Oct 9, 2016 | $21.94 |
Oct 16, 2016 | $21.94 | Oct 15, 2016 | $21.94 |
Oct 23, 2016 | $21.94 | Oct 22, 2016 | $21.94 |
Oct 30, 2016 | $21.94 | Oct 30, 2016 | $21.94 |
Nov 6, 2016 | $21.94 | Nov 5, 2016 | $21.94 |
Nov 13, 2016 | $21.94 | Nov 12, 2016 | $21.94 |
Nov 20, 2016 | $21.94 | Nov 12, 2016 | $21.94 |
Nov 27, 2016 | $21.94 | Nov 12, 2016 | $21.94 |
Dec 4, 2016 | $21.94 | Nov 12, 2016 | $21.94 |
Dec 11, 2016 | $21.94 | Nov 12, 2016 | $21.94 |
Dec 18, 2016 | $21.94 | Nov 12, 2016 | $21.94 |
Dec 25, 2016 | $21.94 | Nov 12, 2016 | $21.94 |
Jan 1, 2017 | $21.94 | Nov 12, 2016 | $21.94 |
Jan 8, 2017 | $21.94 | Nov 12, 2016 | $21.94 |
Jan 15, 2017 | $21.94 | Nov 12, 2016 | $21.94 |
Jan 22, 2017 | $21.94 | Nov 12, 2016 | $21.94 |
Jan 29, 2017 | $21.94 | Nov 12, 2016 | $21.94 |
Feb 5, 2017 | $21.94 | Nov 12, 2016 | $21.94 |
Feb 12, 2017 | $22.80 | Nov 12, 2016 | $22.80 |
Loading...