Talk time inventory

Kariuki Thande

Nairobi, Kenya

100% repaid



Kariuki Thande

Member since

May 2016

On-time repayments

4 installments  •  100%

About Me

My name is Kariuki Thande.
I run PBS Ltd a company I founded that deals in telephony consumables.
My vocation, however, is in the Agribusiness field where I dedicate some of my time and other resources.
I have consulted in the telecoms sector for a little over ten years building a suit of products that usually connects consumers with their need(s).
A large percentage of my clients are in individuals and a smaller percentage are corporates/SMEs.
The field of business I engage in is based on my passion to connect people with their needs in the most economical and efficient manner.

My Business

The products that PBS Ltd deals in are phones, tablets, laptops, repair services, hardware accessories and airtime which make up the bulk of our sales
Our strength is in designing talk time plans for both individuals and groups i.e corporates.
Our value proposition guarantees EITHER to keep our client's current telephony bill constant while increasing the value derived OR reduce your spend whilst increasing the value derived.

Loan Proposal

The loan will be used to purchase talk time stock for onward sale.
Talk time (otherwise referred to as airtime) is now a common household expense item.

The inventory will be used to service my current clients and cover fees to onboard new clients.
Since airtime is classified as a Fast Moving Consumer Good, the product retails at a high frequency with modest margins.

The target is to launch a customer acquisition plan to rope in delinquent and new clients. Since this is a product consumed by a majority of the population, every (new) client counts.

Income Source

The revenues are generated from repeat business.
Many phone users do not know or otherwise understand the various tariffs that are on offer and so end up paying the highest rates despite alternative cheaper products being available to them.
We do not just sell talk time but educate clients on their calling patterns and what products are available that can be incorporated into their budget to increase their disposable income at NO EXTRA COST.

Delighting our clients and guaranteeing a decrease in their monthly phone costs ensures that we have our clients' business month on month. This builds our revenues and turns our happy clients into ambassadors.





Loan Info

Project Type

Classic Loan

Disbursed amount


Date disbursed

Aug 19, 2020

Repayment status

On Time

Projected term

1 week




United Kingdom

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