Adding books to my stationery shop

Mercy Jowi

Siaya, Kenya

100% repaid



Mercy Jowi


Siaya, Kenya

On-time repayments

69 weekly installments  •  100%

About Me

I am the first born in a family of five. I have worked before for 7 years as a teacher of ICT and Computer Studies. I realized that what I was doing did not give me room for self employment and i have always had a passion for graphic design. I enrolled for a design course and went ahead to get 1 year industrial experience as a Junior Graphic Designer in a design firm.

While growing up I worked in the family business (bookshop) during school holidays. Therefore getting into business almost came naturally for me. In 2014 I opened a stationery shop and did graphic design on the side. I used gratuity that I got from my job as a teacher. It was $1500 that I used as my capital.

I am a gifted cook in most meals, but I choose to call myself a chapati specialist. I also have a liking for fashion and much of what I wear is thrifted but upcycled and repurposed to fit varied styles I would want to have. In my judgement one outfit should give me at least 5 ways of styling it.

My Business

I run a stationery shop (school, office and personalized. I moved to a bigger office space and I have diversified and included bottled juices, water and milk in a partition of the business. I also run an MPESA within the stationery business. I have of late added Equity and Co-operative Bank Agency banking.

The goods I sell are always in season but the peak is usually when schools are in season which is 9 months in a year.

I chose selling stationery because the goods do not face the challenge of revision as textbooks which make one end with dead stock. Juices, milk and water was to meet the demand of customers who wanted alternative to sodas which are the popular soft drinks. The MPESA provided an 'easy' investment with capability to fit in the same premise without constrain in space.

The costs I incur in running the business is rent, salary, watchman fees and electricity bills. This comes to Kshs. 19700 per month. Though there are also annual fees of licence and accountant fees.

The profits I get I reinvest in the business and a little I set aside for personal development like currently I am working on building my own house.

If I get a loan it will enable me to have enough stock to meet my customer demands especially during the peak period when the supply from suppliers is usually stretched. With enough stock I can also gain from bulk purchasing and start offering sales at a wholesale too.

Loan Proposal

I will use the loan that I am requesting now to stock up on spring files - 2 cartons $50, bic pens - 2 cartons $240, hymn books - 1 carton $126, prayer books - 1 carton $50, Bibles - 1 carton $210. The books are a new introduction to the business and this loan will go a long way in enabling me to introduce them to my business. This means that I will have another stream of income from the books and my customers will also get something extra to minimize their walking around during school shopping.
I expect to make a profit of $300.





  • guenter    Dec 14, 2019

    Mercy payed back in advance! Very great borrower. Mercy kept uns informed, posted some updates, very appreciated!

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  • Angi    Apr 15, 2018

    People like you are the reason why I support zidisha. Regular payments, great communication. I am very happy that your business is doing well and wish you all the best for your future!

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  • David    Apr 15, 2018

    Made regular payments, finishing the six-month loan in less than four months. The regular updates and photos are also much appreciated. We wish you continued success.

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  • Jane    Jul 25, 2017

    Mercy paid off her loan in full and ahead of schedule and kept everyone informed of her progress. Great borrower, happy to lend again :)

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    • Mercy Jowi    Aug 2, 2017

      Thank you Jane for the great feedback. I am very grateful to the lenders who make my dreams possible. I look forward to your support in the future again.

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  • Jane    Jul 25, 2017

    Mercy paid off her loan in full and ahead of schedule and kept everyone informed of her progress. Great borrower, happy to lend again :)

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  • Jane    Jul 25, 2017

    Mercy paid off her loan in full and ahead of schedule and kept everyone informed of her progress. Great borrower, happy to lend again :)

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Loan Info

Project Type

Classic Loan

Disbursed amount


Date disbursed

Jan 5, 2018

Repayment status

On Time

Projected term

6 months

Cost to entrepreneur

Service fee: 5% of $658.65 = $29.60



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