Sweet melons for a healthy life

Sarah Wahu

Juja, Highpoint, Kenya

100% repaid

Entrepreneur

Name

Sarah Wahu

Member since

March 2014

On-time repayments

297 installments  •  36%

About Me

I wish to pass my gratitude to the lenders who supported me with my previous loan which went a long way to boost '‘THE PAT’s BEAUTY CENTRE’. The business has expanded and we have contracted one more employee who is helping us with 'NAIL ART'. Besides stocking the beauty products, ‘THE PAT’s BEAUTY CENTRE’ have gone a ladder higher by introducing Nail Art services to our esteemed clients. We are doing the nail art at a subsidised rate for the Jomo Kenyatta University Students who form a base of clientelle.

My Business

I wish to thank the Zidisha team for their previous loan extended to me that I have just completed repaying. This amount helped us to boost our stock at the 'THE PAT’s BEAUTY CENTRE’. We are optimistic that given more loans by Zidisha community our business will prosper. We have a two years plan that we have laid down. At the end of the two years it is expected that THE PAT’s BEAUTY CENTRE’ will have expanded further.

Loan Proposal

In the recent past, there are many diseases that are affecting human beings world wide Kenya being no exception. However, medics through various researches have continued to encourage people to eat healthy and natural foods as this reduces the risks of acquiring such diseases like cancer, diabetes, hypertension, ulcers among others. This fruit is known to have very low Cholesterol. It is also a good source of Dietary Fiber, Niacin, Vitamin B6 and Folate, and a very good source of Vitamin A, Vitamin C and Potassium.


In is in this view that I was motivated to engage in farming of sweet and water melon. This will be done in the Eastern part of Kenya in Kitui County, Mwingi district. This is because water melon fruit does well in warm areas.

I am planning to hire out land for farming near a place that has borehole water and employ one young man who is a graduate of diploma in agriculture from Egerton University.

The whole project will cost $858.

I have savings of $665 already and therefore request for a loan of $192 to help me meet the cost of the project.

The anticipated expenses are as follows:

$107 for land hiring
$16 land preparation
$ 214 seeds and other farm inputs
$ 253 labour
$107 water and electricity
$161 transportation costs
TOTAL COST = $858
LOAN REQUESTED FOR $192
SAVINGS $665

I look forward to getting the loan so that I get started.

Show original English  

About Me

I am a lady aged 32. I live in Juja town, 40 KM from the Kenyan capital Nairobi. I have a permanent job in one the Kenyan Private University. I wish to thank Zidisha for giving me my first loan which I used to boost my beauty products business. I have been able to increase stock at the ‘THE PAT’s BEAUTY CENTRE’. Currently we are selling earrings, bracelets, hair buds, necklaces, hair extensions, hand and body lotions, perfumes, nail polish among other beauty products. I am determined to see ‘THE PAT’s BEAUTY CENTRE’ blossom to greater heights in future. I have also enrolled for short course at Jomo Kenyatta University. The course title is ‘ENTREPRENUERSHIP’. This course will go a long way to polish my business management skills and also help realize my dream of opening a beauty products supermarket in Juja town.

My Business

At ‘THE PAT’s BEAUTY CENTRE’ (The business name) our motto is ‘VARIETY with QUALITY’. As the business blossoms, we are still increasing stock using our net profit which is currently at 92USD after paying USD33 rent, 5USD electricity bill and 22USD transport. I will commit to pay the loan with part of the net profit and use the remaining to plough it back to the business. The business has been in operation since December 2013 and the trend of profits has been encouraging. It is our sincere hope that if given consecutive loans offered at Zidisha, we shall be able to achieve our motto. As the business progresses, we are hoping to expand more and eventually open a beauty products supermarket in Juja town which will be one of its kind in the locality. ‘The Pats Beauty Centre’ aims at being a supermarket of ot its kind taking care of the modern woman by providing her with ‘classy complementary looks’ and outfits
The beauty market among women is a venture that is long term as women continue having the urge to look good and more presentable. A well dressed lady can only complement this with her jewelry which we offer at THE PAT’s BEAUTY CENTRE.

Loan Proposal

In the recent past, there are many diseases that are affecting human beings world wide Kenya being no exception. However, medics through various researches have continued to encourage people to eat healthy and natural foods as this reduces the risks of acquiring such diseases like cancer, diabetes, hypertension, ulcers among others. This fruit is known to have very low Cholesterol. It is also a good source of Dietary Fiber, Niacin, Vitamin B6 and Folate, and a very good source of Vitamin A, Vitamin C and Potassium.


In is in this view that I was motivated to engage in farming of sweet and water melon. This will be done in the Eastern part of Kenya in Kitui County, Mwingi district. This is because water melon fruit does well in warm areas.

I am planning to hire out land for farming near a place that has borehole water and employ one young man who is a graduate of diploma in agriculture from Egerton University.

The whole project will cost $858.

I have savings of $665 already and therefore request for a loan of $192 to help me meet the cost of the project.

The anticipated expenses are as follows:

$107 for land hiring
$16 land preparation
$ 214 seeds and other farm inputs
$ 253 labour
$107 water and electricity
$161 transportation costs
TOTAL COST = $858
LOAN REQUESTED FOR $192
SAVINGS $665

I look forward to getting the loan so that I get started.

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Loan Info

Project Type

Classic Loan

Disbursed amount

$201.30

Date disbursed

Jan 20, 2015

Repayment status

On Time

Projected term

3 months

Cost to entrepreneur

Lender interest: $201.30 at 4.58% annual rate over 3 months = $2.79

Service fee: $2.25

Lenders

ErikN

Stockholm, Sweden

L

Leonora

TÄBY, Sweden

somuchjackson

Boston, United States

stroi08

Odense C, Denmark

E

Esseni

Cincinnati, United States

M

mallika

Laguna Niguel, United States

Y

yunfangjuan

Palo Alto, United States

C

Catch22

The Colony, United States

B

Budgie81

Norwalk, United States

J

jebediahFND

Oslo, Norway

R

rosebo

Bend, United States

Parkmobile

Fort Bragg, United States

G

Gdrvasc

Frederick, United States

H

happytrailsjpd

South Bend, United States

M

markus61

cologne, Germany

S

Sunflower

116 Taylor Drive, United States

M

mibrahim51

Mountain View, United States

A

adelias

plymouth, United States

J

JudoGlenn

North Olmsted, United States

A

Armeij

Veendam, Netherlands

D

dmartink

Maryland, United States

A

Alizar

Toms River, United States

S

SanderBeckers

Brussel, Belgium

mfrost3

Dakar, Senegal

A

akshu71

Ottawa, Canada

T

Texikan

Fort Worth, United States

A

AandCfromCanada

Spruce Grove, Canada

R

RohitSingh

Montreal, Canada

SE

Sven E

Mannheim, Germany

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