Name
Douglas
Member since
January 2015
On-time repayments
82 installments • 23%
Am an industrious man full of energy with entrepreneurial skills despite that I have a professional life of being a lecturer while also a part time farmer which have done for now the fourth year running and am happy with being an entrepreneur.My farming has employed now since young people who are proud of their engagement in my business.
CAREER STATEMENT
I am a self-inspired strategic entrepreneur, mentor, business development consultant,
leader, and a human rights and gender advocate. I have a passion for mobilizing and
directing communities towards sustainable use of their resources to ensure social and
economic development.
I have been involved in work in various areas that include saving and improving lives,
and building community capacity, good governance and policy work. I am therefore
tenacious, organised, focused and analytical - always seeking to learn, grow and be
dependable.
In a nutshell, debt (borrowing money, with interest) allows us to accelerate our goals, turning dreams of tomorrow into realities of today. While borrowed money might buy us a tractor, a new barn, or even the land we’ll be farming, experience, the most valuable farming asset of all, cannot be purchased.
Experience doesn’t come with a Bachelor’s Degree in Agriculture, and it certainly doesn’t come from a book. Agriculture is fraught with uncertainties, surprises, and intellectual challenges. And that’s just before lunch. Adding monthly payments to this intimidating list financially handcuffs most people right from the start.
So does this mean ‘never take on debt’? Certainly not. There are plenty of times when leveraging assets makes sense. As you gain farming experience, and create reliable cash flow in your business, these opportunities (or necessities) will become cleare.In the meantime, however, embrace this generalization: avoid debt as much as possible.
Soap Making Supplies List
I will spend the money to purchase the following in order to boost my daily production I currently produce 40 boxes per day a box contains 12 bars hence I produce 12*40=480 bars per day translating to kes 50per bar*480=24,000 in gross-14,000 hence profit per day is at 8000.
Hence the loan will assist to boost the production.
1. A soap making scale that is accurate to the nearest gram or 1/10th of an ounce.
2. A stainless steel 8 - 12 quart/litre pot.
3. A 2 quart/litre plastic juice jug for mixing the lye and water into.
4. One or two mid-size plastic mixing containers for mixing color and a small amount of soap to create multi-coloured, marbled soaps (plastic beer cups will work)
5. Mixing and measuring utensils - a whisk and/or hand blender, silicon or rubber spatulas (2 would be best), plastic spoons (like the wooden ones) and measuring spoons.
6. Candy thermometer.
7. Small lightweight bowls for weighing liquid and solid materials on the scale. (Remember the margarine containers?)
8. Some Wooden soap molds or plastic soap moulds. (or empty milk carton to start)
9. Butchers paper to line the soap moulds. (if needed)
10. A piece of wood, Styrofoam or cardboard the size of the soap moulds' top opening.
11. Old wool blankets to insulate the soap with.
12. Safety equipment - rubber gloves, apron or old clothes and safety goggles.
13. A thin, sharp knife to cut the soap. You may find, like I did, that a knife tends to cut soap like it does cheese, leaving the bottom edge uneven, and decide to make or buy a proper soap cutter.
14. If you want your soap to have smooth bevelled corners, you might want to try your hand at building a soap beveller using a tutorial that Bernardo (unfortunately I never did get his last name) made and was kind enough to let me use for my site.
15. Plastic table cloth or something similar to protect your table, floor or counter-tops.
16. I also like to have a few ramekins and small jars on hand to put any additives in that I will be adding to the soap at the last minute
Positive
None
Neutral
None
Negative
None
Project Type
Classic Loan
Disbursed amount
$209.00
Date disbursed
Oct 18, 2017
Repayment status
Late
Projected term
13 months
Other loans
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