Selling cereals in bulk to schools and businesses

Rose

Weru, Kenya

100% repaid

Entrepreneur

Name

Rose

Member since

September 2013

On-time repayments

393 installments  •  87%

About Me

My names are Rose Mumbi Wagema born in the year 1984, in Nakuru county of Rift valley Province in Kenya. I went through my Primary education in Nakuru. After my KCSE in the year 2004 I worked partime in Nakuru at the then common telephone bureaus ‘Simu ya Jamii’ until year 2006 where I joined Egoji TTC and graduated with P1 Certificate in Primary education. I am seventh in a family of 8 and am married with two children aged 7 and 2 years. I have worked as a teacher in Rugongo Primary school and currently Centre Primary school.

My Business

Currently I operate a Grocery Shop at Weru Town which since September2013, I have been operating with help of my sister due to the fact that I got a teaching job (not employed by government) as a teacher at Centre Primary School and I have been working there since then. I was introduced to Zidisha by three family friends who are already beneficiaries of the same and developed interest out of the same. In a good day, the business makes sales of about Ksh 2000 where profit ranges between sh 300 – sh 500. In a good month then the total profit is approximately sh. 10 000 which helps me pay rent and family upkeep. I would therefore wish to borrow from you so that I can have additional stock in the grocery shop where I can assign my sister to handle variety of items.
With Zidisha loan, I will be able to obtain the groceries from Naivasha on Wednesdays and Saturdays and this will go long way to ensuring that am full of stock throughout the week. The weather around has drastically changed and there is no question about dry spell in the months of October, December, January onwards unless it just rains soon. This is a clear indication that food stuffs will be costly and I would wish to bring them near this place where they are not available. Its my wish that as time goes by I will able to obtain the produce cheaply where my parents are farmers and distribute the same to areas around Weru. At my home place, sometimes my parents sell tomatoes, cereals and kales at throw away price and would wish to take advantage of the low cost, however most of these products are perishable and my interest is on the cereals which are a bit durable. At the same times the weather condition for this place favours production of potatoes and peas, I will ensure that I do also deliver such commodities at my home place where its scarce. This may not be immediate because of high transport costs involved but its in the pipeline and will start small to see prospect of increasing the volume and probably hiring a car for the same.

Loan Proposal

With my second loan, i want to increase my stock in cereals. the business is so far doing well and since i am dealing with cereals which are not perishable, i have been able to penetrate the market. i want also to explore possibility of supplying the same in large scale so as to reduce the cost of operation. with increased stock, i will also look for customers who can buy in bulk e.g. nearby schools. This will done when tenders for the same are announced. i would also wish to expand the premises that i am currently operating on since i need a store to ensure continuous supply of the same.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$296.00

Date disbursed

Apr 10, 2014

Repayment status

On Time

Projected term

13 months

Lenders

J

jjonas

berlin, Germany

IM

Isak Maaseide

Tromso, Norway, Norway

Treesforpeople

Oxfordshire, United Kingdom

S

Serene

Philadelphia, United States

silyara

United States

Sarasota

Sarasota, Fl, United States

dmirpuri

Bangkok, Thailand

Richard Griebe

La Jolla, United States

B

bradydo

United States

M

marcof

Netherlands

A

ammahaffey

United States

V

velouria

United States

Z

zeppyfish

United States

G

ganj2

United States

J

joelinatx

United States

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

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Summary

Amount repaid

$312.94

Amount remaining

$0.00

Date repaid

Dec 5, 2014

Status

Fully repaid

Repayment History

Expected Payments Actual Payments
Apr 19, 2014 $5.59 Apr 19, 2014 $5.59
Apr 26, 2014 $5.59 Apr 19, 2014 $5.59
May 3, 2014 $5.59 Apr 19, 2014 $0.02
May 2, 2014 $5.56
May 10, 2014 $5.59 May 2, 2014 $0.08
May 10, 2014 $5.51
May 17, 2014 $5.59 May 10, 2014 $0.12
May 17, 2014 $5.47
May 24, 2014 $5.59 May 17, 2014 $0.06
May 25, 2014 $5.53
May 31, 2014 $5.59 May 25, 2014 $0.07
Jun 2, 2014 $5.52
Jun 7, 2014 $5.59 Jun 2, 2014 $0.11
Jun 8, 2014 $5.48
Jun 14, 2014 $5.59 Jun 8, 2014 $0.16
Jun 15, 2014 $5.42
Jun 21, 2014 $5.59 Jun 15, 2014 $0.20
Jun 22, 2014 $5.39
Jun 28, 2014 $5.59 Jun 22, 2014 $0.24
Jun 29, 2014 $5.35
Jul 5, 2014 $5.59 Jun 29, 2014 $0.27
Jul 5, 2014 $5.32
Jul 12, 2014 $5.59 Jul 5, 2014 $0.31
Jul 13, 2014 $5.28
Jul 19, 2014 $5.59 Jul 13, 2014 $0.34
Jul 18, 2014 $5.25
Jul 26, 2014 $5.59 Jul 18, 2014 $0.38
Jul 27, 2014 $5.21
Aug 2, 2014 $5.59 Jul 27, 2014 $0.41
Aug 2, 2014 $5.18
Aug 9, 2014 $5.59 Aug 2, 2014 $0.45
Aug 9, 2014 $5.14
Aug 16, 2014 $5.59 Aug 9, 2014 $0.48
Aug 17, 2014 $5.11
Aug 23, 2014 $5.59 Aug 17, 2014 $0.52
Aug 24, 2014 $5.07
Aug 30, 2014 $5.59 Aug 24, 2014 $0.55
Aug 30, 2014 $5.04
Sep 6, 2014 $5.59 Aug 30, 2014 $0.59
Sep 5, 2014 $5.00
Sep 13, 2014 $5.59 Sep 5, 2014 $0.62
Sep 14, 2014 $4.96
Sep 20, 2014 $5.59 Sep 14, 2014 $0.66
Sep 20, 2014 $4.93
Sep 27, 2014 $5.59 Sep 20, 2014 $0.69
Sep 27, 2014 $4.89
Oct 4, 2014 $5.59 Sep 27, 2014 $0.73
Oct 4, 2014 $4.86
Oct 11, 2014 $5.59 Oct 4, 2014 $0.76
Oct 12, 2014 $4.82
Oct 18, 2014 $5.59 Oct 12, 2014 $0.80
Oct 19, 2014 $4.79
Oct 25, 2014 $5.59 Oct 19, 2014 $0.84
Oct 22, 2014 $4.75
Nov 1, 2014 $5.59 Oct 22, 2014 $4.31
Oct 25, 2014 $1.28
Nov 8, 2014 $5.59 Oct 25, 2014 $5.59
Nov 15, 2014 $5.59 Oct 25, 2014 $5.22
Nov 1, 2014 $0.36
Nov 22, 2014 $5.59 Nov 1, 2014 $5.26
Nov 11, 2014 $0.33
Nov 29, 2014 $5.59 Nov 11, 2014 $5.59
Dec 6, 2014 $5.59 Nov 11, 2014 $5.59
Dec 13, 2014 $5.59 Nov 11, 2014 $5.59
Dec 20, 2014 $5.59 Nov 11, 2014 $5.59
Dec 27, 2014 $5.59 Nov 11, 2014 $0.59
Nov 17, 2014 $5.00
Jan 3, 2015 $5.59 Nov 17, 2014 $5.59
Jan 10, 2015 $5.59 Nov 17, 2014 $5.59
Jan 17, 2015 $5.59 Nov 17, 2014 $5.59
Jan 24, 2015 $5.59 Nov 17, 2014 $0.59
Nov 24, 2014 $5.00
Jan 31, 2015 $5.59 Nov 24, 2014 $5.59
Feb 7, 2015 $5.59 Nov 24, 2014 $5.59
Feb 14, 2015 $5.59 Nov 24, 2014 $5.59
Feb 21, 2015 $5.59 Nov 24, 2014 $1.76
Nov 30, 2014 $3.82
Feb 28, 2015 $5.59 Nov 30, 2014 $5.59
Mar 7, 2015 $5.59 Nov 30, 2014 $5.59
Mar 14, 2015 $5.59 Nov 30, 2014 $5.59
Mar 21, 2015 $5.59 Nov 30, 2014 $2.94
Dec 5, 2014 $2.65
Mar 28, 2015 $5.59 Dec 5, 2014 $5.59
Apr 4, 2015 $5.59 Dec 5, 2014 $5.59
Apr 11, 2015 $5.59 Dec 5, 2014 $5.59
Apr 18, 2015 $5.59 Dec 5, 2014 $5.59
Apr 25, 2015 $5.59 Dec 5, 2014 $5.59
May 2, 2015 $5.59 Dec 5, 2014 $5.59
May 9, 2015 $5.59 Dec 5, 2014 $5.59

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